Author: Belle

Categories
Adulting

Full List of Valid IDs in the Philippines

As a young adult in the Philippines, you must have a valid government-issued identity document. Having one grants you access to a variety of services and activities, from processing documents, applying for a job, opening a bank account, getting a loan, and even voting. We will provide you a list of the most generally recognized IDs in the Philippines as primary and secondary.

Here is a list of valid identification documents in the Philippines:

Primary IDs

ID TypeValidityGovernment Agency
Philippine Passport10 years DFA (Department of Foreign Affairs)
UMID (Unified Multi-Purpose ID)LifetimeSingle ID Card of all SSS, GSIS, Philhealth and PAG-IBIG Members
SSS Card LifetimeSSS (Social Security System)
GSIS CardLifetimeGSIS (Government Service Insurance System)
PRC ID 3 yearsPRC (Professional Regulation Commission)
Driver’s License Student Permit for 1 year
Non-Professional for 3 years
Professional for 5 years or 10 years		LTO (Land Transportation Office)
National IDLifetimePSA (Philippine Statistics Authority)
Voter’s ID LifetimeCOMELEC (Commission on Election)
Senior Citizen IDLifetimeOffice for Senior Citizens Affairs

Secondary IDs

ID TypeValidityGovernment Agency
NBI Clearance1 yearNBI (National Bureau of Investigation)
Police Clearance6 monthsPNP (Philippine National Police)
Barangay Certification6 monthsBarangay Hall
Community Tax Certificate (Cedula)1 yearBarangay Hall
TIN ID Lifetime BIR (Tax Identification Number ID)
PhilHealth IDLifetime Philhealth
Voter’s IDLifetime COMELEC
Postal ID3 yearsPHLPost (Philippine Postal Corporation)
Solo Parent ID LifetimeDSWD (Department of Social Welfare and Development)
PWD ID Card5 yearsPDAO (Persons with Disability Office)
Seaman’s Book10 yearsMARINA (Maritime Industry Authority)
Seafarer’s ID5 yearsMARINA (Maritime Industry Authority)
OFW IDLifetime POEA (Philippine Overseas Employment Association)
OWWA ID2 yearsOWWA (Overseas Workers Welfare Administration)
Student IDDependsSchools
Company IDDependsPrivate companies

Whether you’re looking for a convenient all-in-one ID or a more specialized one for a specific purpose, there’s a valid ID out there for everyone. Select the one that best meets your need and be ready to take the first step towards it. Take your time conducting research, gathering essential paperwork, and making the application process as stress-free as possible.

Categories
Finance

Latest Pag-IBIG Contribution 2023

The Pag-IBIG Fund, commonly known as the Home Development Mutual Fund (HDMF), is a government-run savings program aimed at providing Filipinos with affordable homes and loans.

Here’s the new Pag-ibig Contribution Table for 2023:

For Employed Members and Employers

For Self-Employed

For Kasambahay

For Non-Working Spouse

For OFW Employers Subjected to HDMF

For OFW Employers Not Subjected to HDMF

Source: Pag-ibig Fund

Categories
Finance Life Hacks

How to Shop and Earn with Shopback

Shopback Philippines is a cashback service that allows customers to earn money when they buy from partner stores via the Shopback website or mobile app.

Shopback collaborates with a wide range of companies, including Shopee, Lazada, Foodpanda, Agoda, Zalora, SHEIN, Watsons, and many more. Customers may save money by receiving rewards on their purchases that can then be withdrawn as cash or you can use to make future purchases.

Simply follow these steps to shop and earn money with Shopback:

  1. Create a Shopback account by visiting their website or downloading their mobile app.
  2. Search through numerous merchants and select the one from whom you want to make a purchase and the cashback percentage will be shown.
  3. Click the “Shop Now” button and it will redirect you to the store’s website or app, where you can complete with your usual transaction.
  4. A portion of your purchase value will be credited to your Shopback account as cashback, and after confirmation by the merchant, it will be available for withdrawal.
  5. You can withdraw your earnings to your chosen bank account or e-wallet transfer for a minimum of P200.

Sign up now and earn P100 using our link.

Categories
Adulting

Lifestyle Inflation: Keeping up with everyone

From food delivery, online budols, travels, concerts, dining out, and unnecessary expenses. And you’re still thinking, where did my money go?

Image by gonghuimin468 via Pixabay

Your lifestyle improves as your salary rises; do you believe it is still insufficient? This is referred to as lifestyle inflation.

When our income rises, we often experience lifestyle inflation. We tend to spend more money on luxury things and services without even noticing it as our salaries rise. This can boost our living expenses while decreasing our savings.

When our pay raises, it’s simple to overspend on things we don’t truly need. We might start upgrading our cars, buying more costly clothes, and eating out more frequently. We may also begin to indulge in more expensive pastimes, such as golfing or traveling. All of these items can quickly mount up, and before we know it, our spending have surpassed our income.

We constantly compare ourselves to other people, which is one of the main causes of lifestyle inflation. It may be simple to feel as though we need to keep up with our friends and coworkers when we see them eating in fancy restaurants, posting their budols online, traveling frequently, and buying expensive vehicles, and latest gadgets. This may make us feel inadequate and convince ourselves that we must spend more money in order to fit in.

What therefore can we do to prevent lifestyle inflation?

  1. The secret is to be aware of our spending patterns and to establish precise financial objectives.
  2. It’s critical to keep track of our spending and make a budget that supports our objectives.
  3. We must also be aware of and distinguish between our needs and desires.
  4. Realistically, we should budget for unforeseen costs.
  5. Setting a saving goal and working to save a particular portion of our income each month is another method to maintain our discipline and commitment to our long-term financial objectives.

Well, lifestyle inflation can be a real problem when our salary gets higher. It’s important to be mindful of our spending habits, set clear financial goals, and strive to save a certain percentage of our salary each month to avoid it. By taking these steps, we can ensure that our income increases don’t lead to a decrease in our savings and a higher cost of living.

Categories
Finance

How to Make Money Online in 2023

People now have a number of chances to generate money online thanks to the internet. There are various methods to make money in 2023 from the convenience of your home.

Here are a few ways to get started to make money online in 2023:

  1. Create a blog or website: If you enjoy writing, blogging might be a terrific way to earn money online. You may monetise your site by running advertisements, using affiliate marketing, or selling things or services.
  2. As an affiliate marketer, you may advertise other people’s items while earning a commission on each transaction. This might be an excellent approach to generate money without having to develop your own items.
  3. Sell things online: E-commerce is growing increasingly popular, and there are several sites where you may sell your own products online, such as Shopee and Lazada. This might be an excellent method to transform your pastime into a profitable company.
  4. Provide online services: If you have a talent or knowledge, you may sell it online. Virtual assistants are in great demand on freelancing platforms such as Upwork and OLJ.
  5. Invest in the stock market: Investing in the stock market may be a terrific long-term method to make money. With the development of internet trading platforms, investing in the stock market from the comfort of your own home is now easier than ever.
  6. Online tutoring or teaching: If you are an expert in a specific field, you can work as an online tutor or instructor. 51talk and Rarejob are excellent places to start.
  7. Create and sell online courses: If you have subject matter knowledge, you may create and sell online courses. Udemy and Coursera are two of the most popular e-learning platforms.

Finding something you are passionate about and turning it into a business is the key to making money online. You may make your desire of earning money online a reality with a little bit of time, effort, and perseverance.