Financial

Unlocking the Path to Your Own Brighter Life

Losing a parent was hard and it impacted our finances significantly. One lesson that I got from my dad when he was confined in the hospital was I needed to get insurance while I was young. Through the years that he has been gone, I felt that I was on autopilot with my finances. I was earning big but I was not investing wisely. I set aside money for bills and helped my mom out with some of the household expenses.

When I moved out that is when I learned how to manage my own money. I failed to keep my promise to my dad when I was in my early 20s because I just got my own insurance at the age of 30.

It’s never too late to improve your financial situation. I’ve got some advice to assist you with that, so you’re in for a treat. These methods will put you on the road to a better financial future, whether your goal is to pay off debts, save money for a dream vacation, or simply improve your financial situation.

1. Be honest about how much money you have: Alright, let’s get this show on the road. Examine your finances objectively for a moment. How much money do you have? How much money do you spend each month? It’s important to know where your money is going and how much you have available. It’s a game-changer, you gotta trust me on this.

2. Make a budget that works well: Budgeting need not be a chore. Consider it a guide to achieving financial success. Start by making a list of all of your monthly costs and sources of income. Don’t forget to account for those minute expenses that have a tendency to be overlooked. Next, set aside some cash for savings and a fun fund. Need I explain more? It is important to have fun in life.

3. Climb the Financial Planning Pyramid: Now, let’s discuss the Financial Planning Pyramid. Consider a pyramid, with many tiers reflecting various areas of your financial life. The foundation of the pyramid is Manage Liquidity which includes emergency savings and debt management. Focus on paying down high-interest debts and freeing yourself from their burdens. Next up is Wealth Protection. This is your safety net, protecting you from unexpected financial disasters. As you move up the pyramid, you’ll find long-term savings and investments. This is where you build your wealth for the future. And finally, at the top of the pyramid, you have estate planning and legacy. This involves creating a plan for your assets and ensuring they’re distributed according to your wishes. Climbing the Financial Planning Pyramid is a gradual process, but with each step, you’ll be building a brighter financial future.

4. Create an Income Continuation Portfolio. Let’s move on to another critical part of having a brighter financial life: developing an Income Continuation Portfolio. This portfolio has numerous income streams that can help you in the event of an unexpected job loss or other financial catastrophe. Consider diversifying your income sources by looking into side hustles, freelance jobs, or passive income streams such as investments or rental properties. You’ll have more security and flexibility if you have various streams of income, and you’ll be better equipped to weather any financial storms that come your way.

So there you have it, my financially conscious friends – a direct-to-the-point approach to obtaining a brighter financial future. Master your money mindset, create a budget that reflects your values, climb the Financial Planning Pyramid, and create an Income Continuation Portfolio. Start putting these tactics into practice right away, and prepare to see your financial situation improve dramatically. You can do this!

Starting Fresh: Your Financial Journey Begins Now!

Hey there! So, life can throw us some curveballs, right? Maybe you’ve had a rough patch with money, made some not-so-great decisions, or just got caught up in some financial mess. But guess what? It’s time to hit the reset button and start your financial journey all over again. Don’t worry, you’re not alone, and it’s never too late to turn things around. So, let’s dive in and discover how you can restart your financial journey and get on the path to financial success!

Ms. Valerie Lagarde-Amora, Cluster Head, Sun Life Philippines

Step 1: Taking Stock of Where You’re At:
Alright, it’s time to face the music. Start by looking at your money situation. How much are you making? Your salary matters but earning a minimum wage shouldn’t be a hindrance. As ms. Valerie Lagarde-Amora, Cluster Head, Sun Life Philippines, says ” We should not limit our potential by putting ourselves down.

How much are you spending? And oh yeah, those pesky debts – how much do you owe? Take a deep breath and write it all down. This will give you a clear picture of where you stand financially.

Ms. Andrea de Guzman, Financial Advisor, Sun Life Philippines

Step 2: Time to Budget, Baby!
Now that you know where you’re at, it’s time to create a budget. Don’t worry, it’s not as scary as it sounds. List out all your income sources and then write down your expenses. Be honest with yourself, even if it means admitting you spend a little too much on takeout or those impulse buys. Once you have everything listed, figure out where you can cut back and save some dough. Remember, every little bit counts!

“There is always a plan for everybody,” as Ms. Andrea de Guzman, Financial Advisor, Sun Life Philippines says. A qualified financial advisor should be able to assist you in reallocating or prioritizing funds so that something important such as insurance is included. Get in touch with the motivated Sunlife experts that are willing to help you achieve your financial objectives. They’re here to share their knowledge and support you on your path to success, whether it’s insuring your future with the ideal insurance plan or developing a unique investing strategy.

Step 3: Bye-Bye Debts, Hello Freedom!
Debts can be a real drag, but it’s time to show them who’s boss. Start by tackling the debts with the highest interest rates first, like credit cards or personal loans. Make a plan to pay them off, whether it’s by making extra payments or negotiating with the creditors. Once you’ve conquered those high-interest debts, move on to the next ones. Slowly but surely, you’ll kick those debts to the curb!

Step 4: Emergency Fund: Your Financial Safety Net
Life loves surprises, and not always the good kind. That’s why you need an emergency fund. Start by setting aside a small portion of your income each month. Aim to save enough to cover three to six months’ worth of living expenses. Having that safety net will give you peace of mind and keep you from going into panic mode when unexpected expenses pop up.

Step 5: Invest in Your Future, Like a Boss!
Okay, now that you’ve got your debts under control and an emergency fund in place, it’s time to think about your future. Talk to a financial advisor if you can, and start thinking about long-term goals like retirement or buying a house. Learn about different investment options and find one that suits your goals and risk tolerance. Remember, investing is like planting seeds for your money to grow!

Step 6: Soak up some knowledge!
Listen up, my friend: financial knowledge is power. Take some time to educate yourself about money matters. There are tons of resources out there – books, online courses, YouTube videos – you name it! The more you know, the better equipped you’ll be to make smart financial decisions. Trust me, it’s worth the effort.

Step 7: Stay Positive and Keep Going!
Restarting your financial journey won’t happen overnight, so don’t get discouraged. Celebrate even the small wins along the way. And hey, setbacks happen to the best of us, but don’t let them knock you down. Be flexible, adapt your strategies if needed, and keep pushing forward. You’ve got this!

Conclusion: Alright, my friend, it’s time to take charge of your financial journey. Remember, you’re not alone, and it’s never too late to start fresh. Take stock of where you’re at, create a budget, pay off those debts, build an emergency fund, invest wisely, and keep learning. Stay positive, stay motivated, and keep moving forward. You’ve got the power to turn your financial situation around and achieve your goals. So, let’s get started!

Sun Life Bares Sustainability Agenda With Financial Independence Month

In time with the Philippines’ celebration of its independence this June, Sun Life of Canada (Philippines), Inc. has revealed its sustainability agenda as a commitment to helping Filipinos achieve the freedom to live brighter.

“Serving Filipinos for 128 years now, Sun Life has always prioritized sustainability – not just in its Philippine office but also in the global organization where it belongs to,” Sun Life Philippines CEO & Country Head Benedict Sison said. “As a life insurance and asset management business, we are naturally aligned with the sustainability goals, apart from pursuing philanthropic and environmental projects.”

Aligning with the United Nations Sustainable Development Goals

Sun Life’s commitment is expressed through initiatives that support the United Nations Sustainability Development Goals and are anchored on focus areas where it can have the most positive social and environmental impact, including Increasing Financial Security, Fostering Healthier Lives, Advancing Sustainable Investing, Operating as a Trusted and Responsible Business, and Uplifting Communities.

Over the years, Sun Life has been staunchly advocating these causes. A peek at the company’s sustainability journey thus far is available at www.sunlife.co/SustainabilityPH.

“Sun Life commits to a sustainable future by creating a positive impact on our stakeholders in the way we operate,” Sison said. “We aspire for our people and our solutions to make a difference in Filipino lives, empowering them to achieve financial security and healthier living for generations to come.”

Marking Financial Independence Month

In line with its goal to increase financial security among Filipinos, Sun Life is once again marking June as Financial Independence Month, with the goal of empowering Filipinos through relevant and engaging content that express the message, “Freedom starts with a choice. Kaya mo ‘yan!”

“We introduced Financial Independence Month in 2015, and we aim to keep the conversation going,” Sun Life Chief Client Experience and Marketing Officer Carla Gonzalez-Chong said. “Our rallying cry for this year shows our confidence in the Filipinos’ power to bring their goals to life. And as they make the choice to pursue financial freedom, Sun Life will be here to walk the journey with them, with the vision of helping Filipinos achieve lifetime financial security.”

Serving as inspiration are four short films created by Sun Life’s in-house team of young creatives. These feature heartwarming stories of Filipinos who made the choice to own their future and bring their goals to life.

“Sinag” by Mei Solis tells the story of a daughter who is struggling to connect with her Overseas Filipino mom, until they discover a shared goal of finally being together for good.

“Kulay” by Casey Borja explores the world of a child on the autism spectrum who brings hope to his business-owner father amid a crucial time.

“Ngayon at Bukas” by JC Manzano depicts the struggle of a son struggling to find his path and finds it in an unlikely place: his father’s humble barber shop.

“Para Sa Akin” by Bea Aguilera is a funny take on how a storm of bad luck can ironically lead one to finding a bright partner.

All these will be available on www.sunlife.co/KayaMoYan beginning June 19. Complementing the films are free learning modules designed for those who wish to build their financial portfolio. The message will be further amplified via content on Sun Life’s social platforms, @SunLifePH on Facebook, Instagram, and Tiktok.

“Sun Life is always eager to do its part as the Filipinos’ partner in achieving a more sustainable future,” Sison said. “We honor the progress that we have made together and look forward to more milestones along the way, so that more may have the freedom to live brighter.”

Unlock health goals and safeguard your assets with health insurance

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The COVID-19 pandemic has brought to light the crucial role of good health in our lives. As a result, many individuals are seeking to ditch old unhealthy habits and adopt new and beneficial ones.

Maintaining good health shields you from financial ruin, particularly in the Philippines, where the surging cost of medical treatments can wipe out the savings of an average wage earner.

Prevention is always better than cure, however, there is no foolproof way to ensure a life free from illness and disease. The next best thing for you to do is to get a health insurance plan that will protect you and your loved ones from the escalating cost of medical care.

misconceptions about health insurance Sun Life health symposia insurance coverage family budget hospitalization benefits benefits of health insurance hospital bills sunlife event

Here are some things you should know and questions to ask yourself before getting a health insurance plan

Is getting Health Insurance during medical inflation worth it?

misconceptions about health insurance Sun Life health symposia insurance coverage family budget hospitalization benefits benefits of health insurance hospital bills francesca tolentino 1

According to Francesca Tolentino, Affinity Partnership Manager, Health & Accident Team of Sun Life “It’s now a fact that medical inflation is a part of life”.

These days, a medical emergency can quickly deplete your resources due to soaring medical inflation. In addition, medical expenses could not end with your stay in the hospital. Therefore, having health insurance is a crucial financial precaution to take in the event of unanticipated medical emergencies.

In addition to providing coverage for medical expenses, purchasing a health insurance policy has a number of other advantages that can protect your finances, such as tax advantages, cashless claims, and more.

Benefits of Having a health Insurance

Expenses for inpatient care and medical expenses are covered

Hospitalization bills, can be a significant financial burden. A medical emergency can deplete your savings and even lead to debt. However, a health insurance plan can cover hospitalization and other medical bills, depending on the policy you choose. This enables you to receive necessary healthcare without worrying about the financial strain.

Depending on your provider, you may get access to medical consultations, tests, and preventative care services without spending from your pocket. Providers often have a network of affiliated doctors, clinics, and testing centers that they directly pay for.

Preventive measures for future illnesses

Health insurance also offer protection from future ailments, particularly those that could be fatal and become more common as you age. When you become ill later in life, you might not be able to buy an inexpensive health insurance coverage.

Emergency assistance is provided

Health insurance policies frequently cover emergency services, sparing you from the high costs of ambulance and emergency room treatments. You can get quick medical care without worrying about the cost until you’ve recovered fully.

Back up protection

Having your own health insurance plan gives you additional security outside of your HMO, even if the majority of workplaces offer health benefits to their employees through group insurance policies. It also comes in handy when you’re no longer employed.

Factors That Influence the Price of Health Insurance and Is Health Insurance Expensive?

Garett Maralit, Muti-awarded Financial Advisor and Sales Manager of Sunlife said “If we want to fix our finances, we have to go back to the basic – budgeting,”

Having insurance will cost an arm and a leg is the biggest misconception people have about insurance. Many people have put off purchasing insurance because they believe it will be more expensive than the protection it will provide.

Listed are some factors that will impact the prices of your premiums

Age of the Insured

There are certain diseases, disorders, and other health issues that people are more likely to develop as they age. Thus, they end up utilizing more healthcare services than younger individuals. As you get older, it’s likely that your health insurance rates will climb as a result of the insurers’ expectation that you’ll need more medical attention.

Type of Plan Chosen

Not all insurance policies are created equal; some could have more expensive rates. As a general rule, your out-of-pocket costs will be lower the more expensive the premiums are. Your premiums will rise if you add extra benefits and riders.

Additionally, some insurance products come with investment options included. Take some time to research your options because investment-linked policies can cost more or less than traditional or guaranteed policies.

Duration of policy

Your total premiums may increase the longer you are under your policy’s protection. The rise in healthcare costs as well as other economic concerns may be crucial. Policies that provide coverage beyond the age of 60 are likely to have higher premium prices since older persons are often regarded to be more prone to illnesses and other medical issues.

Pre-existing medical conditions

Risks for various chronic illnesses and other forms of disorders will vary depending on a person’s health status. Pre-existing medical issues will be taken into account by insurance carriers when calculating the premium costs for each policy holder.

You could be forced to submit to medical exams when enrolling for a health insurance plan, as well as to divulge any pre-existing ailments or a family history of specific illnesses.

Conclusion

When you do your research, finding the best health insurance plan is simple. It may appear pricey at first, but it is a priceless investment that will protect you and your loved ones in difficult times. At the end of the day, purchasing a healthcare plan is always a wise decision.

To know more about Sun Life Philippines, visit: https://www.sunlife.com.ph/en/

Lumina Home extends ShopeePay Piso Deals

Article Banner ShopeePay Psio Deals with Lumina Homes

The heat is spelling summertime, but it keeps on raining P100 discount vouchers at Lumina Homes’ ShopeePay Piso Deals!

Extended to April 30, 2022, Lumina’s favorite vouchers are still up for grabs for only P1 at no minimum spend. Use them for various Lumina Homes transactions nationwide, such as reservation fees, monthly down payment, in-house monthly amortizations, and whatnot.

The vouchers are valid up to 30 days after purchase, and can be availed of through ShopeePay Discount, Cashback Vouchers, or offline payment vouchers purchased in advance.

How to get your own discount vouchers?

Using your Shopee app, follow these easy steps to get your own discount voucher:

Tap the “ShopeePay Near Me” section;
Click the “See All” and look for Lumina Homes “Discount Voucher”;
Read the voucher product details and click “Buy Now”;
Using ShopeePay, click ”Pay Now” to get your Php1 voucher;
You can now use or view your Discount Vouchers in the “My Vouchers” wallet.

How to redeem your Lumina discount vouchers?

Follow these simple steps to get your discount vouchers for your Lumina Homes transactions:

Look for the general scanner from the homepage of Shopee’s App;
Scan the QR in the Lumina Office;
Enter the total amount to be paid in the transaction;
In the voucher section, choose the “Lumina Homes: Discount Voucher” or “Cashback Vouchers and click “Use” to apply the discount;
The payment details will show the voucher’s instructions and rewards earned;
Click “Pay Now”.

Lumina Homes has 50 developments in several key locations nationwide, and it won’t be hard to choose among sites: Rizal, Bulacan, Bataan, Zambales, Nueva Ecija, Tarlac, Pangasinan, La Union, Cagayan, Isabela, Cavite, Batangas, Laguna, Quezon, Albay, Sorsogon, Iloilo, Cebu, Negros Occidental, Agusan del Norte, Zamboanga del Sur, Bukidnon, Misamis Occidental, and Davao del Norte.

lumina

It’s so hot to go house tripping, though, so feel free to get a first feel via virtual tour. Because who says you can’t go “dream home-hopping” around the country in a single day? Visits to Lumina projects have never been this amazing!

For more information and announcements, follow @luminahomesofficial on Facebook or visit Lumina Homes’ official website at www.lumina.com.ph

Universal Accounting app review for self employed and small businesses

Photo by Tima Miroshnichenko: https://www.pexels.com/photo/person-holding-a-black-remote-control-6694569/

Some of us become self-employed for the first time during the COVID-19 pandemic, either by choice or need.

Making the switch to this kind of lifestyle might have a number of advantages. But there are also new obligations to get accustomed to, like taking care of your own bookkeeping and accounting.

Juggling your business, clients, and finances as a lone proprietor can be challenging. Separating company and personal purchases for tax purposes is a complicated affair.

Selecting the ideal accounting software allows you to focus on the tasks that are most important to you.

Universal Accounting 2022

Universal Accounting is a straightforward accounting solution for small businesses and individual contractors. It prioritizes ease of use and synchrony, allowing you to effortlessly create bookings, manage your expenses, and balance your books. The program takes pride in being created with the most modern tools and know-how that is constantly being expanded.

Choosing a Software Version

Universal Accounting Lite 2022 which cost $9.99. In this version you can create various bookings and balance sheet. You can also make a profit/loss statement. This software version also allows you to chart accounts in tree view.

Universal Accounting 2022 Best seller which cost $55. Now this version has the same basic features as the Universal Accounting Lite. Added features includes:

Automatic accounting period reopening
Administration of debtors and creditors
Vacant positions
Pay, offset and post vacant positions
Search for document number in vacant positions
Reminder system
Composed transactions
Account analysis
VAT transactions
VAT and Calculation
Cost Centers
Standard/Advanced capturing bookings
Second currency
CSV Import/Export
Transaction types
Backup/Restore

For the VAT the developers have optimized a standard capturing system to allow a very user-friendly and efficient handling which is suitable for every country.

App Review and Universal Accounting 2022 Features that I Like

User-Friendly Interface

When using accounting software, not every user, small business owner, or sole proprietor will have in-depth accounting knowledge. One of the most appealing features of Universal Accounting software is its easy-to-use interface. The platform provides you with a single dashboard to manage your finances and accounting. The software terminology is simple to understand, and there are numerous options for uploading files and supporting documentation for simple transactions.

Data Is Safe From Security Breaches

Most business owners would be petrified even at the thought of someone having unauthorized access to their accounts. Universal Accounting ensures that its services are safe and secure from security breaches. It is easy to change the admin password by clicking on “Accounting / Change SYSDBA password”. Creating secure backups is also a breeze. All you need to do is click the menu item “Accounting / Backup” and simply select a directory with the included bookkeeping and the target directory for the backup. It also offers the substantial benefit of providing 128-bit encryption as soon as you enter your password.

Tax Compliance Made Simple

One of the primary advantages of using accounting software is the facilitation it offers in the process of tax compliance. The required information and tax paperwork becomes a cinch when you have the correct accounting records, up-to-date financial statements, and reports.
With the new VAT calculation feature of Universal Accounting 2022, I can see precisely how much I owe and figure out my tax-related costs.

To use this tool all you need to do is click menu “Evaluations/VAT/VAT Calculation”:

vat calculation

Now after selecting the time span for the VAT to pay, I click “Ok” vat

Instantly generates key financial reports

As a freelancer, being hands-on in monitoring the progress of my business on a regular basis is a key factor for success and sustenance. To be honest, no one has the patience and even the time to generate a report in spreadsheets. Excel is outdated whereas consolidating data and entering formulas manually for every report is way too time consuming. Newer accounting software are built with optimal features that can generate such reports automatically.

Likewise, Universal Accounting has built-in reporting capabilities to evaluate cash flow and help small businesses make informed decisions.

balance sheet

Additionally, Profit-loss statements and balance sheet reports are generated to aid customers in comprehending the key financial aspects of their business. This also helps them make wise judgments and think critically about the direction and future of their business

profit loss statement

Automated processes saves time

Accounting software comes with the biggest benefit of offering automated invoicing and billing. These are extremely vital functions since they generate cash for my business, but maintaining them manually was a laborious and time-consuming task.

Universal Accounting 2022 addressed all my concerns by automating the process. Now, I can set up the software to automatically submit an invoice as soon as an order is placed. This feature is very handy for business owners like me as I have many repeat clients.

Accuracy in Accounting and Bookkeeping

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Traditional accounting procedures are often faced with human errors, while the freshness of the audited data may also posit multiple issues. That is why using the software can help ensure that accounting records are well-organized, current, and accurate.

Digital real estate selling made easy by Lumina Homes; commission rate increases 6%

Lumina

Real estate is one of the few industries that thrived during the pandemic. But as with other sectors, only brands that can quickly adapt to full digitalization and drive online sales can see light in the post-pandemic world.

Lumina Homes, the ever-innovative housing brand for the middle-income Filipino, continues to be at the forefront of digital real estate selling.

Not only has the company become a go-to brand for homeowners and investors during the lockdowns, it has also been offering a unique opportunity for candidate sellers.

Aside from providing regular training and webinars about digitization in the real estate industry, Lumina continues to provide digital tools that make home selling easier to its partner sales network.

Lumina Homes Online

The one-stop-shop online reservation portal makes it simple for accredited brokers and sales agents to hold the preferred unit on behalf of their customers. Once the seller has reserved units in the available inventories for their clients, Lumina Homes will automatically send a reservation payment link to their email addresses.

An Interactive Project Map also allows both buyers and sellers to view Lumina Homes’ available units in the subdivision map. This gives them a better idea of the unit’s exact location within the subdivision, similar to how you reserve a plane or theater seat when making an online reservation.

Lumina Online University

Gone are the days when candidate sellers and partners travel to Lumina’s physical offices to formalize their training.

Today, they can receive their certifications in the comfort of their homes by attending Lumina Online University’s two-level learning course.

The Beginner’s Course includes modules about the Fundamentals of Lumina Homes and Lumina Online Training System Guide, while the Advanced Course includes modules about Recruitment and Training, Facebook Marketing, and Digital Marketing.

Sellers’ Portal

All the mentioned digital tools can be accessed through the Lumina Sellers’ Portal—everything a seller needs to know about Lumina Homes’ condo units or house and lot packages. It’s also where sellers can track upcoming events and activities, promos, and ongoing sellers’ incentives. They can also check pricing updates, view maps, see a complete directory of Lumina offices and site locations nationwide.

Lumina Homes takes pride in introducing these sellers’ portal even before the pandemic happened, a proof of its forward-thinking characteristic that it wishes to extend to its sellers.

As such, site visits or trippings are easily scheduled online, which can also be done through 3D virtual tours, to the excitement of interested homeseekers during the lockdowns.

Virtual Tours and Online Appointments

Lumina is equipped with a virtual 360-degree house tour of its best-selling homes, so sellers and homebuyers can have a walk-through of their home models online. Homeseekers, with the assistance of their brokers or agents, can easily search for their dream home through Lumina’s digital solutions. They can choose from virtual home and subdivision tours, book online appointments, and pay through digital wallets and digital banking.

Lumina Homes’ official website, www.lumina.com.ph is an effective venue to explore its best-selling home models in 3D: Angelique at 35 square meters with two-bedroom and one carport provision, and Angeli at 42 square meters with three-bedroom and one carport provision.

There’s also a virtual tour of Lumina’s signature showcase area, which offers a preview of a Lumina Homes community.

Earn more at Lumina Homes

Lumina Homes has recently increased the commission rate by 6% for its partner sales network, on top of other perks and promos, such as “Complete It to Win It,” where sellers can get additional cash incentives as they guide their buyers through the homeownership journey.

Be an accredited seller of Lumina Homes today! Register at https://sellers-portal.lumina.com.ph/accreditation or contact (0917) 629-6523.

Lumina Homes to spread Christmas spirit at GMA’s ‘Kapuso Bigay Premyo sa Pasko’ promo

lumina gma bigay premyo

Christmas is the season of hope, love, and family. However, it’s hard to feel the festive spirit in the middle of the pandemic. For months, we’ve witnessed losing our loved ones, being cooped up in our homes, and feeling uncertain about the future.

To boost the Christmas spirit, Lumina Homes will give away one house-and-lot unit at GMA’s “Kapuso Bigay Premyo sa Pasko” Christmas promo.

The Angelique Inner Unit Townhouse is part of Lumina Homes’ diverse catalog, which strengthens its goal to provide homes to every Filipino. The 35-square-meter townhouse, which sits on top of a 36-square-meter lot, is a place where families can celebrate the Christmas season together.

The Angelique Townhouse includes a living room, dining room, kitchen, two bedrooms, one toilet and bath, one carport provision, and a service area. It’s a homey space that all families need to experience the hopeful and festive spirit of Christmas.

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To join, participants must follow these simple steps:

Wait for the “Kapuso Bigay Premyo sa Pasko” invite plug that will be broadcast during the commercial gaps at GMA and GTV. You can also learn about the mechanics at http://promos.gmanetwork.com/gmapromos/.

Before joining, make sure to have a proof of purchase of the following products:

BEAR BRAND® Fortified Powdered Milk Drink

One (1) empty pack of any of the following:

BEAR BRAND® Fortified Powdered Milk Drink 33g, 99g/114g, 150g/170g, 320g, 700g/770g, 900g/1kg, 1.2kg, 1.6kg, 2kg, 2.4kg
BEAR BRAND® Fortified Choco Milk Drink 29g, 150g, 300g, 900g
BEAR BRAND® Fortified Real Strawberry Milk Drink 300g

Only packaging with an expiration date of April 2022 onwards is accepted.

MILO®

Two (2) empty packs of MILO® 24g
One (1) empty pack of MILO® 48g, 300g, 600g, 624g, 1kg, 1.2kg

Only packaging with an expiration date of May 2022 onwards is accepted.

NESCAFÉ® Creamy White

Two (2) empty packs of NESCAFÉ® Creamy White 29g or
One (1) empty pack of NESCAFÉ® Creamy White Twin pack 58g

Only packaging with an expiration date of August 2022 onwards is accepted

AJI-GINISA® Flavor Seasoning

Mix  five (5) empty packs of AJI-GINISA® Flavor Seasoning Mix 7g or 8g

Remember, a combination of proof-of-purchase from different sponsors is not allowed.

Write the following details on a piece of paper:

Name
Age
Complete Home Address
Contact Number
Handwritten Signature

For more chances of winning, you can also include the name of the Sari-Sari store where you got your proof-of-purchase:

Name of a valid Sari-Sari Store
Complete address of the Sari-Sari Store
Contact number of the Sari-Sari Store owner

Here’s an example of a complete entry for participants:

Name: Antonio Encias

Age: 45 years old

Address: 1975 Zobel St. Singalong, Manila

Contact no.: 09171777777

Signature: Antonio Encias

Sari-Sari Store Name: Joy Sari-Sari Store

Address of Sari-Sari Store: 1980 Zobel St. Singalong, Manila

Tel No of Sari-Sari Store: 09077771777

Place the paper and a proof-of-purchase in a plain white envelope of any size (long o short envelope) and include the following details at the back:

Kapuso Bigay Premyo sa Pasko
Included brands
Area of residence (NCR, Luzon, Visayas, and Mindanao)

Here’s an example for participants:

KAPUSO BIGAY PREMYO SA PASKO

(BRAND)

NCR

Drop your entry with the complete details and proof-of-purchase in the drop boxes located at chosen Mercury Drug branches or the GMA Network Annex Building, EDSA corner Timog Avenue, Diliman, Quezon City, 1103.

The 10-week “Kapuso Bigay Premyo sa Pasko” Christmas promo will give bigger, more exciting prizes to over 3,000 Kapuso winners in the daily, weekly, and grand draws! There will be 1,400 cash winners of P1,000, 70 winners of P10,000 Pasko-buhayan cash packages, 50 winners of P100,000 Grand Aguinaldo cash packages, and a Grand Prize winner of a brand-new house and lot from Lumina Homes.

Lumina Homes remains committed to providing Filipino families an affordable home to call their own nine years since its launch, especially during the Christmas season.

For more information, visit https://www.lumina.com.ph/. Like and follow @luminahomesofficial on Facebook or contact 0917-629- 6523.

4 practical ways to keep your finances under control during unpredictable times

3 money-saving habits to keep your finances under control

It’s not always simple to keep a close eye on your money. In these hard times, it’s easy to lose one’s grip on finances in several ways. An increasing amount of debt and unanticipated costs are just a few of the reasons why most of us feel powerless in the face of layoffs and salary cutbacks. A person’s personal life and relationships might be negatively affected by financial difficulties.

However, financial security is not impossible despite the difficulties, although no one solution to our financial woes exists. However, there are still options available to help you deal with the present situation.

Even if you don’t need to be an expert in financial planning to be financially secured, you still need to know the basics. The following are four money-saving behaviors that can help you make better financial judgments.

1. Learn how to make a budget

It’s not always easy to keep track of your finances, but it’s the most direct method to figure out where your money is going. Understanding your spending patterns might help you determine whether they align with your financial or personal objectives. To begin, make a list of your earnings and expenses, and then segment your expenditure according to the categories you’ve created.

Decrease mindless spending

Change your monthly budget by making two to three simple adjustments. Begin by reducing your expenditure on things like work lunches, cosmetics subscriptions, or your streaming service bundle to see immediate improvements. Cutting down on your spending is one of the most efficient ways to save money in the long run.

Using tools to create your budget

Online budgeting apps may be used on any smartphone or tablet, so long as you have a computer or laptop. Most of these programs are self-contained, so all you have to do is input your data to observe the changes your funds have undergone. Good news! You may be able to personalize your budget plan using some of these budgeting tools.

2. Get a fall-back emergency fund

Make sure you’re not in a scenario where you’ll be using your credit to pay for unexpected costs. These situations need the use of emergency money. An emergency fund is a money put aside in the event of an unexpected expenditure or emergency. Building an emergency fund is as simple as setting away six months of your gross monthly income.

At first, it may seem like it is impossible to put up an emergency fund, particularly if you are already struggling to make ends meet each month. To establish your emergency fund, start by putting away a modest amount of money each month. Selling any unneeded stuff, you have lying around the home is another great option to get fast cash.

3. Pay Off your Debts

After you’ve planned for your minimum debt payments and understand how the daily interest expenditures on those loans operate, choose one priority debt to begin making additional payments on.

Now that you have a clearer grasp of your entire debt commitment think about the strategy you want to use to minimize it. Debts with smaller sums are prioritized first when employing the snowball technique, for instance. Many individuals like this strategy since seeing the accounts pay off quickly give them a sense of accomplishment and inspires them to continue.

Meanwhile, the avalanche approach is a method of paying down the highest-interest debts first. Even though it may not deliver the same quick benefit as the snowball technique, it may save you money by reducing your interest payments.

Others choose sites like debt consolidation. Debt consolidation is merging many smaller debts into a single bigger one with a reduced interest rate. There are several advantages to consolidating debts, such as cheaper monthly payments and lower interest rates, but it does not remove your original obligations or lessen your existing amounts. You may save time and money by having all of your debts consolidated into a single monthly payment, which you can make to a single lender (or kind of loan). Click here to become familiar with the advantages of debt consolidation and the whole procedure.

4. Be flexible and track your progress

As you begin to pay off your debt and feel less stressed about your finances, keep note of your progress. Being prepared and vigilant may help you escape disaster in the face of life’s unexpected twists and turns. If you have a contingency plan in place, you may be able to avoid a financial calamity.

Robinsons Bank is bringing smiles in the homes of children this Christmas

In this Season of Giving, Robinsons Bank’s promise of a brighter future for every Filipino took the path of donating electronic tablets to schoolchildren in various communities nationwide to help them cope with the requirements of online schooling for the coming year.

“Many families are still struggling with the setup of remote learning, whether it is the lack of a gadget to use or difficulty in accessing the internet. We wanted to provide support to these children so they can continue with their education and achieve the brighter future they deserve,” RBank President Elfren Antonio Sarte stated.

Mr. Sarte also added that “Our strong advocacy on financial literacy for children has led us to witness their eagerness and passion for learning. It would be disheartening to know that there are children out there who want to keep learning but have no means to. So, we pushed for this initiative to really help those children in need.”

In lieu of RBank’s corporate giveaways, the children received sim cards along with the electronic tablets, which they can use to access the internet for their online schooling.

Despite the challenges that this year has brought, the Bank’s passion for service remains unwavering. RBank will always be committed to fulfilling the needs of the Filipino people.

With Robinsons Bank, the future is bright!