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Blog

Lessons I learned during these times

Lessons I learned during these times - Life Guide PH

Image by ANTHR_Photoblog via Pixabay

1. Life is unpredictable.

You may plan ahead for the year but one sudden event may change everything. It’s not that everything is canceled but it’s just put on hold for the meantime. From career growth, travel, family gathering, and the like. It seems everything is affected but hey you should be grateful to be alive and well.

2. If you want it so badly go get it and don’t wait.

I’ve been hunting for an oversized blazer for almost a year now but I can’t find the perfect fit for my petite body and frugal pocket but after one scroll on Instagram, I was able to score a Calvin Klein blazer that is at par with what my favorite influencers are wearing that would for sure elevate my outfit. It wasn’t my first choice yet I keep thinking that I waited for so long already and I don’t want to prolong the agony of hunting for a blazer across different shopping and social platforms. 

3. Connect with yourself.

Check on yourself first. Is there something bothering you? Do you consider yourself toxic? Do you want to heal from your past traumas? Being in isolation makes you even dwell on your problems more since your usual coping mechanism is no longer working in this time of quarantine. You just result facing it and apply all things your therapist told you.

4. Time to reconnect.

Get in touch with friends and ask them how they are coping. This situation is quite harsh to everyone’s mental health and we’re all trying our best to get through.

5. Work on something.

I’m not advocating being productive all the time because I know it’s not realistic even though I am having problems with getting it together. But you can start small like doing again the hobbies that you lost track of, start a business that is essential to the community, or you can even work on your dream body.

6. Be open to growth and possibilities.

In this uncertain time, try to explore the world in your bed or couch whether it’s learning new from online courses, TED talks, a simple catching up session with family and friends, or even meeting someone special. The possibilities are endless, it’s for you to explore the world.

7. Allocate resources wisely.

Use what you have at home before making an impulsive purchase that would just bring in clutter. Set a budget in every category since you can minimize your expenses by staying at home, you can also sell the things you don’t use, barter them within the community, donate it to the ones who are in need, and have fundraising to help the marginalized sector

8. Glow up and grow up.

This is the perfect time to glow up and grow up. We’ve all been thinking, maybe if I have time, I can do this or that… and now the universe gave it to us. Just imagine the time you spend getting ready for work and commuting, now we’re just in the comfort of our own homes. It’s in our hands if we’re going to use this time to better ourselves.

9. Life is not on pause.

You can use this time to do many things. Fixing and strengthening relationships with family, friends, and the love of your life. Heal yourself from all the traumas you’ve had. Finding your life purpose. Tick off the things you haven’t done for a long time on your to-do list. Set new goals for the new normal. Do the things you’ve been putting off for so long.

10. We can still be normal during the new times.

As we wear masks every time we go out, social distancing wherever we go, contactless transactions and our lives go to 360. We can still work from home, see our friends using video conferences and work on ourselves to be better.

Categories
Finance Life Hacks

How to Transfer Money for Free in the Philippines

Most online bank transactions have convenience fees now. Sometimes you need to be mindful of how you spend your money. There are times that a small amount could accumulate into a big expense. Lucky for us there are still free bank transfers in the Philippines.

Example:

You have 6 online transfers every week for your grocery, deliveries, and others paying a convenience fee of P10 per transaction depending on your bank’s Instapay and Pesonet fees.

Let us, calculate it:

Here’s a way how you can skip the bank fees every time you transfer money.

1. Banks

As of June 2022, here are the list of banks with waived INSTAPAY and PESONET fees

INSTAPAY

  • Equicom Savings Bank (retail clients)
  • Rural Bank of Guinobatan
  • ING Bank, N.V.

PESONET

  • Equicom Savings Bank (retail clients)
  • Rural Bank of Guinobatan
  • Bank of China
  • CIMB Bank Philippines
  • East West Bank
  • HSBC (retail clients)
  • ING Bank, N.V.
  • Philippine Business Bank, Inc.
  • Tonik Digital Bank, Inc.
  • Union Bank (retail clients)

2. Shopeepay

How to Transfer Money for Free in the Philippines - Life Guide PH

Shopee is now offering bank transfers in their Shopeepay via PESONET for free. Usually, it takes 1 or 2 working days for the amount to be credited to the nominated bank account.

Categories
Business Finance

Instapay and Pesonet Bank Transfer Fees Philippines 2022

Instapay and Pesonet Bank Transfer Fees Philippines 2022 - Life Guide PH

Image by mohamed_hassan via Pixabay

These days most payment transactions are now done online. Back then, it was a different process and a lengthy one, you need to go to Bank A to get your cash thru over counter or ATM withdrawal and deposit it to Bank B. Now thanks to the advancement of electronic fund transfer services we now have Instapay and Pesonet in just one tap you can transfer your money to another bank account.

Here is the full list of all convenience fees published by Bangko Sentral ng Pilipinas (BSP) for bank transfers for Instapay and Pesonet.

INSTAPAYFEES
AllBank, Inc.P15
Asia United Bank CorporationP8
Bank of CommerceP15 – P25
Bank of the Philippine Islands (BPI)P0 – P25
BDO Unibank, Inc.P25
BanKo, A Subsidiary of BPIP0 – P25
Card Bank, Inc.P12
Cebuana Lhuillier Rural Bank, Inc.P15
China Bank Savings, Inc. P10
China Banking CorporationP10 – P25
CTBC Bank Philippines Corporation P15
DCPay PhilippinesP10
Dungganon Bank, Inc. P10
East West Banking CorporationP10
East West Rural Bank, Inc.FREE
G-Xchange Inc. (GCash)P15
Land Bank of the PhilippinesP25
Malayan Savings Bank P15
Maybank Philippines, Inc.P10
Metropolitan Bank and Trust Company (Metrobank)P25
Philippine Bank of Communications (PBCOM)P20
Philippine National Bank (PNB) P15 – P20
Philippine Savings Bank (PSB)P15
Rizal Commercial Banking Corporation (RCBC)P8 – P25
Robinsons Bank CorporationP10 – P25
Security Bank CorporationP20 – P25
Standard Chartered BankP25
StarPay Corporation P15
Sterling Bank of AsiaP15
Sun Savings BankP10
Union Bank of the PhilippinesP10 – P30
Wealth Development Bank Corporation P15
Zybi Tech, Inc. P8
PESONET FEES
AllBank, Inc.P25
Asia United Bank CorporationP8
Australia and New Zealand Banking Group, Ltd.P0 – P400
Bangkok Bank Public Co. Ltd.P150 – P250
Bank of America, N.A.P20 – P2,100
Bank of China, Ltd. Manila BranchP30
Bank of CommerceP15 – P25
Bank of Florida, Inc.P50
Bank of Makati, Inc.P50 – P300
Bank of the Philippine Islands (BPI)P0 – P50
BDO Unibank, Inc.P0 – P50
BDO Network Bank, Inc.P100 – P500
BanKo, A Subsidiary of BPIP0 – P50
Camalig Bank, Inc.P20 – P500
Cathay United Bank Co., Ltd. Manila BranchP200
Cebuana Lhuillier Rural Bank, Inc.P50
China Bank Savings, Inc.P20 – P50
China Banking CorporationP20 – P200
CIMB Bank Philippines, Inc.FREE
Citibank, N.A.P100
Country Builders Bank, Inc.FREE
CTBC Bank (Philippines) CorporationP25
DCPay Philippines, Inc.P0 – P5
Deutsche Bank AGP10 – P2,000
Development Bank of the PhilippinesFREE
Dungganon Bank, Inc.P10
East West Banking CorporationFREE
East West Rural Bank, Inc.FREE
Equicom Savings Bank, Inc, P0 – P15
First Consolidated Bank, Inc.P15 – P550
HSBC Savings Bank, Inc.P0 – P1,500
Industrial Bank of KoreaP200
ING Bank N.V. Manila BranchFREE
Innovative Rural BankP150
JP Morgan Chase Bank, N.A.P0 – P125
KEB Hana Bank – Manila Branch$5 (PHP equivalent)
Land Bank of the PhilippinesP15 – P150
Malayan Savings Bank, Inc.P50
Maybank Philippines, Inc.P30
Mega International Commercial Bank Co., Ltd.$10 (PHP equivalent)
Metropolitan Bank and Trust Company (Metrobank)P50
Mizuho Bank, Ltd. – Manila BranchP50
MUFG Bank, Ltd.P250 – P350
Philippine Bank of Communications (PBCOM)P15 – P500
Philippine Business BankFREE
Philippine National Bank (PNB) P20 – P50
Philippine Savings Bank (PSB)P50
Philippine Trust CompanyP50
Philippine Veterans BankP500
Producers Savings Bank CorporationP100 – P500
Rizal Commercial Banking Corporation (RCBC)P10
Robinsons Bank CorporationP20 – P100
Rural Bank of Guinobatan, IncFREE
Security Bank CorporationP15 – P50
Shinhan Bank ManilaP100
Standard Chartered BankP50
Sterling Bank of Asia, Inc.P15 – P30
Sumitomo Mitsui Banking Corporation – Manila BranchP250
Tonik Digital Bank, Inc.FREE
Union Bank of the PhilippinesP0 – P100
Wealth Development Bank CorporationP30 – P100
Yuanta Savings Bank Philippines, Inc.P100
Zybi Tech, Inc.P30

List banks with waived INSTAPAY fees

Until June 30, 2022

  • Equicom Savings Bank (retail clients)

Until July 22, 2022

  • Rural Bank of Guinobatan

Until December 31, 2022

  • ING Bank, N.V.

List banks with waived PESONET fees

Until June 30, 2022

  • Equicom Savings Bank (retail clients)

Until July 22, 2022

  • Rural Bank of Guinobatan

Until December 31, 2022

  • Bank of China
  • CIMB Bank Philippines
  • East West Bank
  • HSBC (retail clients)
  • ING Bank, N.V.
  • Philippine Business Bank, Inc.
  • Tonik Digital Bank, Inc.
  • Union Bank (retail clients)
Categories
Adulting

How to Invest in Yourself

As you live your best life and build your wealth, don’t forget that it is important to invest in yourself. It’s not just about securing your emergency fund, growing your stock portfolio, and building your business. Invest in becoming a better version of yourself. We must also focus on ourselves to help us be better in all ways.

Here are some things we thought can help you to make your life better:

Invest in Yourself - Life Guide PH

Image by Chevanon Photography via Pexels

How to Invest in Yourself

Mattress and pillow

As we need 8 hours of sleep to be functional as adults and sleep is something we can’t skimp on. I promise, it can help you improve your sleep and you will feel more rested on your daily good night’s rest.

Shoes

Good and reliable shoes are something that you need that can take you to places and can be usable for a good amount of time. Don’t sacrifice your comfort just because you can save a little bit yet it won’t last that long.

Vitamins

During this time, vitamins is a must to protect and keep you healthy. Our bodies are not getting younger anymore and taking vitamins should be part of your daily routine.

Hobbies

Do something to keep you sane. It could be your childhood hobby of reading comics or finishing off the list of the Greatest Films of All Time. Do it if it can make you happy. Well, happiness makes you more productive and feel better.

Career

You can try doing a boot camp, online courses, online volunteer or community, or learning a new language.

The best investment you will ever make is in yourself. You’ll thank yourself later.

Categories
Adulting

Welcome to Life Guide PH

Hi everyone!

We’re Life Guide PH.

Us millennials usually ‘google’ every question we have in our minds. 

At times, we’re too shy to ask family, friends, and colleagues for our simple to complex queries that seem awkward, daunting liberal, irrelevant, or out of this world.

We thought that a go to website that you’ll be comfortable with. We will be your guide in your adulting journey. Our goal is to become your go to website where you can learn about savvy ways to do things and we’re here to help you achieve your best life in the adulting world and build a community for a like-minded audience.

Join us.