Showing posts with label Saving and Money Matters. Show all posts
Showing posts with label Saving and Money Matters. Show all posts

Sunday, June 4, 2017

Good Housekeeping Money Matters

Most moms are the ones in charge with money matters at home. It is a saying na maswerte ang mga lalaking makakapag-asawa ng babaeng masinop sa salapi. I am not saying that I am close to perfect when it comes to handling our expenses but I am confident to say that I am learning. Just last year, Paps and I decided to save through Unit Investment Trust Fund (UITF). His bank automatically deducts an ample amount from his account monthly and that money is being invested by the bank and not just being deposited to earn interest. Through this, we feel that we are able to save more and earn not just less than one percent a year. We also availed health insurance to have peace of mind in case that any family member gets sick, we know that everything is getting covered. Just the same, a few years of working as a teacher, Paps decided to save through the cooperative which he can't withdraw his principal savings unless he resigns as a member and annually he receives a dividend aside from getting an interest. 

We are doing all these for our family's future. Despite living on a pay check, we do our best to set aside a few pesos and hopefully more because in the long run, it will benefit us and we will have something to spend when we are not capable of working anymore. But I think, it's not enough. We are looking for other ways to save and we don't know how.

Yesterday morning, it was my chance to learn about more about money matters and the questions in my mind were finally answered. It made me realize that saving alone and UITF weren't enough for us to sustain our finances in the future.  Life is very uncertain and as parents it is our duty to keep our kids and ourselves secured. 

I was privileged to be part of Good Houdekeeping Money Matters held in Cafe 1771 in Ortigas. Together with Insular Life, the Philippines' leading and largest Filipino life insurance company, the talk aims to help modern moms make informed choices about money through learning more about financial literacy, investment, and insurance. This empowers moms to have more ideas on how to gain financial freedom and security.

The talks were led by two knowledgeable financial speakers. Aya Laraya, an investment advocate for more than 25 years of experience in different financial literacy and host of the TV show Pesos and Sense, spoke from his personal experience of improving financial literacy and finding out the best investment for a family.

Insular Life financial advisor and educator Maria Rosanna Sevilla also spoke about the benefits of savings, investments, ans financial literacy, and how insurance can work for moms. 

Here are the key points that should be kept in mind:

- We should not focus on saving in banks alone because we earn low interest through it but rather choose investing money through mutual fund or Unit Investment Trust Fund (UITF) where we become part of the company as investors and not as consumers alone.

- Insurance protects us financially in cases of death, sickness, and retirement. We can also secure our kid's future through availing an education plan. If we want to have the home of our own, a plan for estate is one of the best options. 

Insular Life can be our best partner to secure our future. For 106 years, its integrity and strength are unquestionable. Undeniably, this multi-awarded Filipino owned and managed company is truly trustworthy. If we know our financial goals, click HERE to know how much we should build up towards a better future.

- Never be afraid to avail insurance policies or invest in mutual fund or Unit Investment Trust Fund (UITF). Sa lahat naman ng pagkakataon pwede tayong matalo o manalo. Hindi porke't naloko tayo noon hindi na ba tayo susubok ulit?

- Start now. Kung hindi ngayon, kailan pa? 

In choosing a financial product...

1. Know what you want.

We can't just call a financial advisor and set a meeting with him/her without us knowing where we want to put our money. 

2. Put it  in writing.

Investing starts with short term no matter how our life status is. Starting it earlier the better. Changing our behavior is a must for us to do it consistently. 

3. Talk about budget.
Don't sell the product, sell the behavior. There are many ways to secure our future and invest to earn more but we need to change or improve our perception and habits to achieve financial stability.

4. Shop around for products.
When we buy, we  should know what we want and what's important to us. What is applicable to someone may or may not be applicable to us or vice versa. Investment depends on our need or situation.

5. Sign only after reading and understanding the product or ask someone who understands.

6. Keep checking.
We should participate because it's our money that is involved here. We should talk about it with our family members. Our  beneficiaries should know about our investments.

Good Housekeeping never fails to bring a wealth of reliable information on motherhood and everything in between. Thanks, Miss Tisha Alvarez and your team, for hosting this event.

Aside from our fruitful learning experience, indulging ourselves with a scrumptious brunch, six attendees were able to win Php100,000 worth of accident insurance policy from Insular Life. Yay! Wonderful!

To learn more about tips and great finds for home and living, Good Housekeeping is available in newsstands, bookstores, and supermarkets nationwide for only Php120. For more vital parenting information and relevant content 24/7, you may follow Good Housekeeping on Facebook via, Instagram via @goodhousekeepingph, and Twitter via @ghphils.

Wednesday, June 29, 2016

Mommy Money Tips by Money Max Philippines

My mom raised my brother and I to be frugal. She taught us to be wise spenders and live by our own means. She trained us to know the difference between "need" and "want'. 

We were not rich but our parents were able to send us to good schools and support our needs. We didn't grow up deprived or in excess. We enjoyed life in terms of things that were tangible but with responsibility. Thanks to my mom  who was practical ever since.

Money Max Philippines has Four Mommy Money Tips that I remember our mom always telling us. They still echo in our heads.

Now that my brother and I have our own families, we experience tough times though,  but we see to it that we put our mom's tips in mind. Honestly, we've been guilty of  having bought food going bad in the refrigerator and my mom gets furious. But we have improved. Change and good habits especially in terms of saving and money matters really start from within.

We teach our kids to save and be vigilant in their habits at an early age. They also practice frugality and due to this, they become more creative and smart in their choices. We also find time to save through mutual fund and cooperative so that later on when we are old and don't have the capacity to work, our kids and us are going to have something to use. Our ancestors are not rich. We don't want our kids and us to experience the same fate that they have. Our grandparents and parents have done their part in changing our lives and theirs and we want to pass it on to our kids, if not good, better or best.

Wednesday, May 20, 2015

My Zalora Philippines Shopping Experience

As promised, I would like to share with you my Zalora Philippines shopping experience. To sum it all up, it was A-M-A-Z-I-N-G! 

These are the reasons why I keep on shopping at Zalora Philippines:

1        I feel safe in doing my online shopping.

Zalora PH is a legitimate one stop online destination for everything fashion in the Philippines. It features most of my favorite international designers and the most relevant Filipino brands, bringing me an insight on global trends.

2        I have more choices.

There are lots of brands to choose from. Zalora PH is constantly tracking the latest fashion trends to make sure that it offers the most exciting products available. Its fashion tips and advice allows me to shop with more confidence. 

***See all Featured Brands HERE.

3        I can choose the most convenient payment scheme.

Zalora PH offers a number of payment methods:

  - Cash on Delivery (COD)
  - Credit and Debit Cards
  - Paypal
  - Bank Transfer
  - MePay

4        I'm always informed about the status of my order.

E-mail and text alerts are being sent from payment processing to shipping. This makes me always confident that my order is being processed.

5        I feel important as a customer.  

Aside from being always informed about the status of my order, Zalora PH never fails to please me because the packaging alone makes me feel very important. The plastic bag is properly sealed with  personalized sticker. All items are further sealed in a box or bubble wrapped to make sure that they arrive in good condition.

In case that I am not around to receive my parcel, it is required that I should leave an authorization letter to my representative. Zalora PH makes sure that my parcel goes straight to the me. Nobody else can receive my parcel except me or my representative.

I also receive vouchers or discounts so that I can get more perks on my next purchase aside from the flash sale alerts that it sends me through e-mail or iPrice Coupons. It also offers FREE SHIPPING on purchase Php995 and up!

6        I receive my parcel on time.

Zalora PH is committed to its clients and true to its words about delivering parcel on time. It has a very impressive logistics.

I already had two successful transactions with Zalora PH. I'll  surely shop again next time.

My First Zalora PH  Transaction- I got more discount coupons and and invite to be one of  its Brand Ambassadors.

My Second Zalora PH Transaction- I received my parcel in good condition again. All items were individually bubble wrapped.

7            I get the items perfectly and completely as expected.

What I see on the photos is what I get! 

In case that I am dissatisfied with the items or I need to change the size, Zalora PH offers free and easy returns. Here's the LINK for more information.

For Frequently Asked Questions, you may go to

NOTE: This is not a paid advertisement. The opinions expressed here are based on my personal experience. See my Disclosure Policy.         

Monday, December 8, 2014

Ready, Get Set, Shop at Online Revolution Culminating this 12.12!

It's Christmas time. I know that most of us have no plans yet on where to go or what tokens to give our friends and loved ones this Holiday season.  

It's the second week of December. We are very much aware of how busy shopping malls are, not to mention the heavy traffic that we are going to experience when we go there. Why not try online shopping on a budget? 

Here is Lazada Philippines' good news for bargain hunters who like to shop in the comfort of their homes:, the Philippines’ Biggest Online Shopping Mall is staging the biggest and grandest online shopping extravaganza this December 12 – with jaw-dropping discounts, mind-blowing deals, and incredible brand partnerships all happening as early as 12:00 AM of December 12 in! Night owls can log on in the early hours for special night promotions only available between 12am and 8am; while shoppers can take advantage of killer deals and unbeatable hourly flash sales from 8AM – 11.59PM

Find everything you’ll need this holiday season, from mobiles, tablets, gadgets and appliances to fashion, household goods, toys, and sports equipment and enjoy more than 80% discount on select best-selling items.

Inanc Balci, Co-Founder and CEO of Lazada Philippines said “We kicked off the month-long Online Revolution sale in November, but the best is yet to come. With 24 hours of unbeatable deals on 12 December, consumers are in for an unforgettable shopping experience!”
So we rounded up the Five S’s why you should be part of this year’s biggest online shopping event this 12.12 only at

1.    Shop Effortless

Say goodbye to traffic jams, crowded malls, long queues and the struggle to find a parking space. You can shop from the comfort of your home, and Lazada will bring your items to your doorstep! As if this wasn’t hassle-free enough, Lazada also offers free delivery for orders above PhP 1,000 and cash-on-delivery payment option.

2.    Something for Everyone

Need something for your loved ones and godchildren? Lazada has it. How about your nine month old nephew? Lazada has it too! With nine (9) virtual floors of goods ranging from consumer electronics to household goods, toys, fashion and sports equipment, you’ll find everything you need on your browser or mobile app.

3.    Save while you Shop

Sounds too good? Yes we mean it and we mean it very well. With special sales and competitive prices, Lazada promises great brands at affordable prices so you won’t break the bank this holiday (or all-year-round).

4.    Style Up for the Season
Philippines may be all sun and no snow but the newly launched in-house fashion label, LZD, offers you a colourful assortment of clothing and accessories suitable for our tropical climate. You can also surprise your loved ones with stylish gifts from UK and US high street fashion brands, available exclusively at Lazada.

5.    Shop on-the-go

Running on a tight schedule this December? Lazada offers an enviable mobile shopping experience via smartphone, tablet, iOS and Android apps so you can fill your stockings in the bath, on the train or on your lunch break!

Inanc Balci added, “More people than ever before will be shopping online this holiday season, as consumers want to beat crowds, queues and the inconvenience of shopping in malls and busy shopping districts. With a wide range of product offerings all under one digital roof, consumers can shop effortlessly at Lazada without having to leave their home.”

So how can you be part of the Online Revolution happening this 12.12? Simply log into to get the best deals of the year and subscribe to our Facebook Fanpage at

About Lazada

Lazada is Southeast Asia’s largest online shopping mall, with operations in Indonesia (, Malaysia (, Philippines (, Singapore ( Thailand ( and Vietnam (, with a sourcing center in Hong Kong that drives cross-border marketplace activities.

Launched in March 2012, Lazada has grown rapidly to include approximately 3,000 employees across Southeast Asia. The company has an online footprint of more than 2 million daily visits to its websites, and the largest Facebook following in Southeast Asia with over 9 million fans.

Lazada is pioneering eCommerce in the region by providing customers with an effortless shopping experience with multiple secure payment methods including cash on delivery, extensive customer care and free returns. Lazada features an extensive product offering in categories ranging from consumer electronics to household goods, toys, fashion and sports equipment. 

Lazada is part of the Lazada Group which also includes the C2C platform, Lamido.

About the Online Revolution

The Online Revolution is the Southeast Asian version of Black Friday, Cyber Monday or Singles Day. But compared to the other events, Online Revolution is a month-long sale at Lazada in Indonesia, Malaysia, Philippines, Singapore, Thailand and Vietnam. The event kicks off for the first time in Singapore on November 2014 and will be an annual event.

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