Categories
Finance

5 Practical Money Management Tips

5 Practical Money Management Tips

Image by Pixabay via Pexels

Managing your money is not an easy task. You need to earn money first then save it and invest it. At the same time, you need to handle it well so you won’t end up broke.

We want to help you have a more effective and efficient ways in how to manage your money.

1. Set financial goals

You can list your personal financial goals for the year then divide it per month. This method can help you become hyperfocused into what financial goal you want to achieve in that specific month. Also it will serve as a guide into how you will budget your income to attain and maximize your other financial goals whether it is short term or long term such as savings and investment.

2. Create a budget

Before receiving your salary, it would be better if you can budget it first. You can start with 80% for expenses that can include your budget for rent, bills, food, transportation, and insurance while 20% for savings there no such thing as a small savings but you can also increase it slowly.

3. Build an emergency fund

You can start as low as P500 per month and you can save P6000 in a year as your starter emergency fund. It may be small at first but you can work to increase it month by month.

4. Pay your debts

One of the recommend ways to get out of debt is prioritize the debt with high interest then you can proceed to the next debt with the highest interest and so on. Debt can be a cycle but you have the choice to work on your budget in order for you to get out of it.

5. Educate yourself in the basics of finance

Read personal finance books. You can also start research on the internet about the basics of finance from income, budgeting, credit cards, savings, investing, insurance, to estate planning.

Categories
Adulting

5 Basic Skills as an Adult That You Need

5 Basic Skills as an Adult That You Need

Image by Liza Summer via Pexels

As you start your adulting journey, you’ll have a lot of things to figure out. From managing finances and how to make a small talk in a networking event to proper making your meal from scratch rather than ordering a take out. You don’t know what your doing at the beginning that’s just normal but as you older you’ll get the hang of it.

Navigating adulthood isn’t easy. There’s no handbook for it to learn as we were getting older. Before you plan to move out and live alone we suggest, you need try to learn and master these basic life skills as you kick off your adulting journey. Welcome to reality!

1. Learn how to cook

Cooking is a vital skill. You can minimize your take out and dining out expense when you know how to cook your favorite dish. You can start practicing then eventually you’ll master it.

2. Managing Finance

  • Budgeting
  • Saving
  • Investing (stocks, mutual funds, bond and real estate)
  • Understanding insurance (life, HMO, phone and pet insurance)
  • Paying your bills on time
  • Creating a system that work for you

3. Admin Skills

This will make your life easier when it comes to paperwork.

  • Keep financial records organized.
  • Learn how to organize your documents and it’s better to have a binder or file organizer at home which can hold a compilation of bills, receipts, health records, contracts, and government documents.

4. Laundry

You are now in charge of your own laundry. You should know how to do your laundry properly.

  • How to wash and dry it properly
  • How to take care clothes
  • How to remove certain stains

5. Learn how to network

You’ll need this when working in corporate world. In a dog eats dog world, you can rely to yourself that you need to know the basics of introducing yourself and small talk in order to leverage it in your career.

  • Present self well to others
  • Master how to introduce yourself
  • Practice small talk
  • How to network the right way

You’re now a responsible adult. You’ll do things on your own. You can do it. We’re rooting for you!

Categories
Life Hacks

How to Purchase Gomo Unlimited Data

Is there still an unlimited data offer here in Philippines?

Telecommunication companies here in the country are rarely offering the unlimited data feature these days to their prepaid user. Internet is widely used in the Philippines but you’d be surprise that most of the people are still using data. There are a lot of factors since we’re an island nation, it could be internet service providers are not offering service in their area and also not everyone can afford to have a monthly internet subscription.

We discovered that Gomo is offering unlimited data promo with up to 5mbps speed for only ₱499 valid for 30 days. This is a good deal and very affordable compared using consumable data.

Categories
Life Hacks

How to Apply Globe Postpaid Plan Online

It’s now bigger and better than ever with Globe GPlans.

You can enjoy calls and texts, and all access data with their wide range selection of postpaid plans ranging from P599 to P7,999.

Their postpaid plans also includes:

  • Free GoWiFi that allow you to always stay online wherever you are
  • Free individual subscription to KonsultaMD

Application Process for Globe Postpaid

How to Apply Globe Postpaid Plan Online - Life Guide PH 1

1. Go to Globe Postpaid website to select a plan.

• GPlan with GCash

• GPlan with Device

• GPlan SIM-Only

• GPlan SIM-Only All-Data

How to Apply Globe Postpaid Plan Online - Life Guide PH 2

2. Prepare Your Application Documents

  • Proof of Identification
  • Proof of Billing Address
  • Proof of Financial Capacity

Proof of Identification

  • Company ID
  • Driver’s License
  • Passport
  • SSS/TIN/GSIS ID
  • PRC/IBP ID

Proof of Billing Address

  • Any Acceptable ID with Address
  • Credit Card Statement
  • Public Utility Bills (electric, water, cable)
  • Bank Statement
  • Notarized Contract of Lease
  • Airway Bill
  • Should be the latest copy and must not be expired.

Proof of Financial Capacity

  • Computerized 1-month Payslip
  • Certificate of Employment and Compensation
  • ITR with BIR or Bank-received Stamp (form 1700)
  • W-2 (form 2316)
  • Credit Card (swipe to charge advance monthly service fee)
  • 3-month Certificate of Allotment plus Employment Contract (for overseas workers)

3. Fill out the online application form and submit required documents

4. Review and place order

How to Apply Globe Postpaid Plan Online - Life Guide PH 3

5. If you choose a device with cash out, you can pay it thru GCashcredit cardBPI Installmentdebit card and cash on delivery.

6. You will receive a confirmation message and email

How to Apply Globe Postpaid Plan Online - Life Guide PH 4

5. Delivery or store pick-up after approval by Globe

Delivery ETA

NCR – 5 business days

Luzon – 5 business days

Visayas – 7 business days

CDO – 7 business days

Mindanao – 10 business days

Palawan Area – 10 business days

Delivery or store pick-up after approval

Delivery or store pick-up after approval

Metro Manila: Within 5 business days

Provincial Areas: Within 5 to 7 business days

For more questions and information, you check Globe website or you can contact them thru their customer service hotline and email address.

Categories
Life Hacks

How to Save Time with Foodpanda

Do you hate long lines?

Do you hate wasting your time?

Did you ever wait for 30 minutes in a fast food chain for your order?

Have you experienced these inconveniences?

As we get back to our routines, the same problem we used to have back then is back as well like traffic and long queues in fast food chains and restaurants.

Skip the lines when trying to order food when you are in a hurry. We tried to find a simple solution with Foodpanda. Not only they have food and groceries for delivery. They also have a pick-up order option where you can have a takeaway in just a few taps and the best part is it ready within 5 minutes in some restaurants.

Are you craving for Thai food? Vietnamese food? Mexican food? Italian food? Mediterranean food? Tacos? Burger? Fries? Pizza? Pasta? Coffee? Milktea? You name it, they got it. There’s a wide range selection of restaurants with the app.

If you are late for your coffee run? Foodpanda pick-up can make your life easy in just few taps and you can get your coffee on the way to your office without wasting your time.

How to use Pick-Up with Foodpanda

  1. Go to Foodpanda app
  2. Select the restaurant where you want to order
How to Save Time with Foodpanda - Life Guide PH 1

3. Select the food from the restaurant that you want for pick up

How to Save Time with Foodpanda - Life Guide PH 2

There’s also an option to have it scheduled on a specific day and time that you want.

How to Save Time with Foodpanda - Life Guide PH 3
How to Save Time with Foodpanda - Life Guide PH 4

4. Tap the Date and Time for pick up order

How to Save Time with Foodpanda - Life Guide PH 5
How to Save Time with Foodpanda - Life Guide PH 6

5. You can pick up your order at the time shown in the app or when you have scheduled it.

6. When at the restaurant to get your pick-up, Show your order number to staff and enjoy your meal.

Get ₱100.00 off your next meal with foodpanda!