Last Tuesday I was in Bank of the Philippine Island (BPI) to pay something over the counter when I noticed this spot that says BPI-Philam Insurance. I was eager to know and to learn something about Philam products because I heard a lot of good things from blogs and forums.  I also know that insurance is something that I am planning to avail next year so as to start my […]

I love BPI. I mean when i found out that having a BPI account is easier and faster than what i experienced with BDO i fell in love at first try. I just opened my BPI Express Teller and it automatically gives me the convenience of having my own BPI Express Online account that enables me to access my account via online anytime i want. But i had a problem […]

So yes, I ENTERED THE WRONG PIN TRICE ON MY BPI EXPRESS TELLER ATM!!! And I am telling you that the experience is so frustrating. I have no idea how come I got incorrect PIN and I keep on asking myself how did it happened to me. (Insert sad face here). I am in the 5th and 20th day of the month pay-roll so since its January 5 I was […]

I love reward cards!!! As always i feel like there is an added value to the product i buy when i have a membership card to present. Are you like me? wink, wink. Anyways, just recently i was able to try another ice blended from The Coffee Bean. I asked the barista if they have WI-FI in the facility. She genuinely answered that the Wi-fi is for those who have […]

Last update May 2017 Table of Contents Last update May 2017ANU BA YANG PALUWAGAN NA YAN (Some Facts About Paluwagan)Bakit Paluwagan (Reason Why We Join Paluwagan) Masama Magpaluwagan? (Is joining Paluwagan Bad?)The Downfall of Joining PaluwaganFinal Notes from SavingsPinay   Hi everyone! Today’s topic is all about PALUWAGAN. I am going to introduce the common local saving method and reveal the ups and down of this said system.  I hope […]

I am Izza and i am a 20 year old professional living in the Philippines. I want to start this blog as a diary on my journey to financial freedom and to help others especially with the same age as mine to start now and act now. I want my blog to be an inspiration that you are never too young to start saving and start learning about financial education. […]

It is funny that i am writing about my 2013 financial and personal goals now that it is almost a month and a half away till the year ends. Well, it is never too late to set goals and to act for the achievement, right? Anyways, knowing that i only have a  month and a half my financial and personal goals are semi-attainable. I keep it in my mind and […]

Book Title: Kuntento ka na ba sa KAPERAHAN mo? Authors: Vic and Avelynn Garcia Pages: 124pages Price: 120pesos I bought this book when I went to National Bookstore last April 2013. Ever since I started hosting for events at I became more aware about financial education. I know that books are good investments since knowledge is power. I love the fact that the price of this book is budget-friendly. […]

Hi everyone. Thank you so much for the support you are showering to my humble blog. Today’s post is about the different things that you can do to be able to earn money before turning 20 years old. This is basically for those who are teenagers. Being a 20 year old professional i am proud to say that i got to do a lot of things in my early years […]

One of the early budgeting techniques that I used is envelope style. It is a kind of budgeting wherein you will rely on envelopes with written specific kind of expenses to which you use your income or money. Before I go into details how envelope style is done I would like to begin by defining the word BUDGET. Budget according to online dictionary is a quantitative plan for a period […]

Another way of budgeting that i had learned to use is the notebook style. This style of budgeting is highly applicable to those who does not base on salary alone for their source of income and has other way of earnings like a sideline and so on. In the Notebook Style all that you will need is an old or any notebook that you don’t use and a pen. You […]

You might be confused why I write mostly about BPI. No, I am not affiliated with this bank. I am also not being paid to make these first impressions. It is just that this is the nearest bank to the office and most of the transactions done for the office is through this bank so I always have knowledge about some of their products. Anyways today’s topic is all about […]

Yesterday i rendered my last service to my previous job. I wanted to take the opportunity to work in a company thatw ill allow me to use my degree and allow me to have my benefits as an employee and I thank God that a great opportunity came to my way. I believe everything is in God’s perfect timing. I believe and i trust His plans. This post is a […]

Hi everyone!!! I am terribly sorry for the lack of posts this month of December. For those who are first time visitors, you may want to be informed that i recently resigned in my previous job to give way to a better opportunity in a company that supports my degree. Writing has always been my passion. It is given for me that i like to write things and that i […]

Back when i started doing this blog i shared to you a financial and personal goal i would want to achieve before 2013 ends. Hmmm.. I will be honest and it’s the middle week of December and still i’ve got a lot to do. But since i don’t know what to actually post today i decided to give you an update. 🙂 Convert my current BDO ATM Debit Card to […]

Just this afternoon i was able to get my BPI Express Teller ATM. I felt so happy because first, i accomplished one requirement of my new job (our payroll will be delivered via bank) and second, it has been my longest plan to open an account with BPI and finally i was able to do so. Yay! I actually just spent my whole lunch time in the application of my […]

Good day everyone!!! Here’s a post regarding how i applied for my SSS number in Robinson’s Galleria Pinoy Lingkod Center. Open every Tuesdays to Saturdays 10am-6pm.  Not open on December 24 and December 25,2013. Notes: On the tarp below are the services that SSS helpdesk in Pinoy Lingkod Center offers: Strictly NO ID application and release Strictly NO Contribution or Payments Things to Bring             […]

There are two kinds of investment i believe so, the first one is the talents that we have that came from God and teh second one are the physical things that are available around us. For me, my talents is a given investment. The fact that God blessed me with the ability to host events. That He blessed me with confidence to do Youtube videos and have tutorials online. And […]

I have an addiction i would like to confess. I am an addict when it comes to membership cards. I don’t know why but i love signing in forms and having the physicsl card inside my wallet. I also feel like i get more out of what i buy or what i shop everytime i use my card. Do you have this addiction too??? Anyways, while i was having my […]

     Today is a bit formal and informative post for you guys. I recently bumped bumped into a post regarding the three types of income a person will get on his entire lifetime that i wanted to share to you all. On the end prt is my own notes and i will also share what type of income i am getting now.       The first type of income […]

Of course as someone who has been new in the financial management field there is one important thing that i have to master and that is time management. Last year i wasn’t able to buy a proper planner to assist me all year around so i promise that in the coming new year i will invest in a good 2014 planner. The planner that i bought is from National Bookstore […]

Hurray for today is the last day of 2013. Remember my financial and personal goals update post? Well today i will be ending my Finanancial and Personal Goals before 2013 ends post because i am looking forward to a more detailed list that i will be putting on a separate page in this blog. So this will be my last update for you guys. Fortunately i was able to complete […]

MY STORY My journey towards financial success and financial freedom started when I had my first experience of earning from scratch. That was year 2011 and the month of October. Out of nowhere I started a Sulit advertisement about my hosting services with just mere courage and “kapal ng mukha” as my investment.  No capital at all, I was able to garner one- two events a month and then little […]

Trust me, any budget adviser will tell you that the one thing you need to accomplish first and foremost before saving and investing is to learn how to budget effectively. Budgeting is the process of allocating your time, money or any other resources to a desired plan over a given period of time. In terms of financial management, your budget should focus on the total amount of money you receive […]

Title of the Book: It’s Your Money (Spend it, Save it, Invest it and Lead a Debt-free Life Author: Entrepreneur Magazine No. of Pages: 114 Hi everyone!!!! Today’s post is another financial book review. I hope you read the last book that i reviewed.  Before 2013 ends i purchased the book It’s Your Money (Spend it, Save it, Invest it and Lead a Debt-free Life. I know, i know that the […]

I believe in the power of SAVING!!! Imagine at the start of this month i sticked to my monthly budget and though i have my payment for the final cut off of the month i still have money left with me!!! Enough for me to finish the month of January without even using the new money that was sent in my BPI account. Saving doesn’t mean you are depriving yourself. […]

Hi everyone!!! Thank you for visiting my blog. I am in love with the idea of business and being an entrepreneur at a young age. For me, talent is a beautiful investment and it could even earn you more than a 9-5pm job will give. I started earning with zero capital when i entered the world of event hosting. Do you see me?  If you have good communication skills and […]

Good day! As of this writing i just had accomplished one of my biggest decision so far in my financial life. I also crossed out one item from my Personal Goals linked here. Well Ladies and Gentlemen, i applied for my very first portfolio account, the FAMI Save and Learn Equity Fund! Yehey!!! I just feel so happy for the fact that i was able to do this decision at […]

Last Wednesday i made a big decision in my life. I opened a FAMI MUTUAL FUND!!! Yes, and it is my very first step towards financial security. My first mutual fund will be my retirement fund. I plan not to take any money from it but just invest and invest as long as i could. For those who are clueless what mutual fund is and what FAMI is all about […]

This is a rather informative post here in my blog. I believe that the direct audience of my blog are women in their 20’s  who are just starting their career. But, i also havfe a gut feel that there are those who view financial blogs who are starting their family life and making researches on how to budget effectively. Anyways, this post is dedicated to parents out there or soon-to-be […]

Well we can easily sum up the month of February by one major occasion——– Valentine’s Day. Many may be looking forward for this month especially those who are new in their relationships or those who are long enough and wanted to spice up their love for each other. There are also those who happen to be part of the single community (wink* wink*) and would wish February 14 will just […]

Back when i was still in college i used to be invited in networking seminars by friends and colleagues who are part of them. From UNO, Filtrepreneur and also other numerous networking business that has been around. But i never joined. I am not brave enough to join those types of businesses. I am an open minded person but its just that giving my money out and getting products that […]

Finally after 10 decades the info card of my Direct Save-Up account has arrived. Wow, I still can’t believe that i have to wait almost a month and a half just for the info card since I enrolled first week of January 2014. If you have no idea what this Direct Save Up account I am talking about then behold, this is actually one of the best and unique product […]

Hi everyone!!! I am her in The Coffee Bean Robinson’s Manila sipping some Double Chocolate Ice Blended and maximizing the free wi-fi with my Swirl Rewards Card. It’s Tuesday and i am done processing my NBI. Guess how many hours i spent for the application and releasing??? Only TWO HOURS!!!!! Yes, yes, yes. I am so happy that i got my NBI faster than the usual and in this blog […]

As you may have read in my blog I received my BPI Direct Save-Up plus Insurance Info card this week. I have been waiting for my info card for almost a month and a half already and I am glad that I was able to get it this week. Honestly, I was hesitant at first to try applying for the Save-Up plus Insurance but the constant reading and researching from […]

Have you ever wondered what the connection is between losing weight/being fit and sexy and gaining money??? I know it might sound weird to connect the two but the truth is if you analyze well you can easily acknowledge that these two acts interact with each other. I am not much of an exercise fanatic but it is one area where in I am planning to be more equipped for […]

Book Title: You Can Be Rich Author: David King Price: 125pesos It was back in high school when this book, You Can Be Rich, has been something I am constantly seeing in bookstores. I never opened it before because it feels like it is not for Filipinos. First, the author is a foreigner and second, the picture itself shows dollars. But last month when I did a goal before 2013 ends, […]

That is exactly my question when I first applied for Adsense. It was like three years ago since I made a blog and partnered with adsense and almost a year ago when I made my Youtube video and earned a number of views. Back then I was just enjoying blogging and making Youtube videos. I am, to be honest, not minding about getting anything from it. I am more after […]

As i mentioned before in my blog I was able to have my first ever investment in FAMI. It is with the FAMI Save and Learcn Equity Fund. I could’t contain my happiness knowing that at last I am able to practice what I preach. Save and Invest for the future all the way. Since I alredy had my Metrobank ATM, I initially applied for a Metrobank Direct, Metrobank’s online […]

Banks offering online banking is one of the best that ever happened in our society. I often tell this on my blog posts how much I love how BPI created one of the first online banking system that lets cashless banking possible and for this week I will be focusing on Metrobank. I got my Metrobank ATM because my current job uses it for payroll. I really wanted to have […]

Metrobank Direct is Metrobanks official online banking system. It guarantees a No Line banking with cashless nad convenience for any Metrobank holder through a web based access. I have been enjoying my Metrobank for almost 2 months now and I am happy with the servcie that they provide. With the Metrobank Direct, one can see the following: All transactions and account logs Send Money for Free Pay Various Bills Online […]

To find happiness in this modern world is a gift of God. I love that even with the turning of events, from the news full of bad and horrific incidents happening all around, the climate change bring a lot of unwanted catastrophe and the number of people who are turning into worse beings with wrong beliefs…… is truly a gift to find peace and equality. Happy Life for me is […]

With all the negative things happening in the national economy – from news about corruption here and there, high prices on products in the market and etc, one should be able to stand firm and balance his/her personal finances. Personal economy stands for the over all management and status of your own cash flow. It involves everything that you do and going to do with your money. Just like how […]

In celebration with Mother’s Day, this week’s series is all about Moms and Moms-to-be. I believe that being financially educated is a very good character of a mother and I hope that through these series of blogposts many women will learn and will be prepared for what the future brings. As a kick-off, today’s post is all about Financial Thoughts when Expecting a Baby.  Photo from Google Have you noticed […]

I am following this plan in my Bible all called How to be Rich Devotinal by Adam Stanley and it teaches the different biblical perspective of wealth. It is good having biblical perspective in terms if managing your finances because you are sure to be in the right path. I believe the Bible has the answer for everything and it is a very good book to invest with first and […]

Quick update everyone!!! I just received my final email for my FAMI account opening and my mutual fund is now working. HURRAY!!! I still can’t believe that I was able to apply for a mutual fund account. This is actually part of my long term goal and has always been just a dream. But now i know everything will be in reality. The years of investing will be worth it […]

Hello everyone! After a month long of rest I am now back to blogging about my financial and lifestyle tips and rants. The month of May has a very hard one for I have to finish a lot of pending projects at work. But now I’m back – FOR GOOD! Thank you first and foremost for making me  stay as one of the Top 100 blogs Business and Finance Blog […]

So from this post I have mentioned that I enrolled a FAMI Mutual Fund. The truth is, I wasn’t able to have my initial investment a month after I have received via mail my confirmation receipt. I enrolled the account on the month of February but was only able to top up my investment by the month of April. Anyhow, for the update on my FAMI account I am doing […]

The EON Debit Card will most probably be the best product of Unionbank for me. I have no credit card so I find it hard to apply for Paypal but thanks to this product, now I can! My application for the EON Card actually took me just hours! It’s fast, convenient and efficient! Tip: Apply Online!!! Do not attempt to go to the Unionbank and Apply there for it will […]

NAVPS or Net Asset Per Share is one of the key term you ought to know once you start investing especially in Mutual Funds. At first I have no idea what this five-letter acronym means but through time I discovered that it is essential to know its ins and outs. NAVPS is the value of a single unit or share of a fund. For Mutual Fund, NAVPS refers to the […]

This year will be the year that I will be turning 21 and its actually part of my birthday wish to finally have my own Credit card. My reason for wanting to own one is the fact that I believe it will teach a lot of lessons in regards with my finances if and then I will have a credit card. I am actually in a hunt of what bank […]

photo from Google I believe I’ve said this a million times already BUT let me say it once again, my dear sisters and brothers who are enjoying their 20-something life————————-BE SMART ENOUGH AND USE YOUR AGE AS YOUR GREATEST ADVANTAGE. I know I may be sounding a bit offensive here but if that is the only way that I can caught your attention then I will. Now that you are in your 20’s […]

SAVING… I think saving is one thing that is really hard to do. It’s like a work in progress. There will be that moment that you are doing it and then those moments wherein you stumble and fall out of your budget. In this post I list down the TOP THINGS that RUIN my goal to Save and if one or more of the items appeals to you then comment […]

Who wouldn’t want to be a millionaire at a tender age of 20-29 years old??? Not unless you were born with “Gintong Kutsara”, becoming a rich at an early age is something we all would like to be. I remember when I’m still young I always envy those who have great life… those artists I see on the TV and even the beautiful lady in the magazine. Now, I am […]

Ever wonder how you’ll save with the salary you are earning? Then this post is just for you! Photo from Google Image As a 20year old fresh graduate who just started her career in Makati I am not embarrassed to announce that I earn less than 15,000pesos a month. Hey, I’m just new and I’m only living the “Makati Girl” peg for just 5 months and counting. I can also […]

As many of you may know now, I am currently working on my portfolio income as a 2014 goal. I invested in a FAMISALEF Mutual Fund and continuously invest monthly as my Retirement Fund. Since I am using a personal investment method to which I will share in a future post, I decided to just write a short blog on How to compute your FAMI Investments.         […]

When I told my parents that I invested in a Mutual Fund they thought I was joking. I’m only 20 and I am thinking about my retirement already (since I decided to make my FAMI account my Retirement Fund). Read how I applied for FAMI ACCOUNTT HERE. I know even an ordinary someone especially one who still have no idea about Financial Freedom will raise an eyebrow with this decision. […]

Peso-Cost Averaging or PCA is short is an investing method wherein you will invest a fixed amount of money at a regular duration over a long period of time. It is actually one common way of investment that is proven to give higher return of investment. As a beginner in the investing field, this PCA is what I actually do. Every month I pay a fixed amount to my FAMI […]

Just last week I created this post HERE that I didn’t know would impact a lot. I guess we’re on the same page when it comes to those which ruin our budget. (wink*wink*) But today’s post will be MORE THINGS THAT RUIN MY SAVINGS… and again MAYBE YOURS TOO. Don’t forget to Comment below or Message me in my Contact Form if you happen to be guilty too with this […]

I created SavingsPinay as part of what I call as IzzaGlinoGroupofBlogs before 2013 ends and I am very amazed by how this blog had even beat the record of my very first blog. , Like what I said on the past in  MY TIPS ON FINANCIAL MANAGEMENT, My journey towards financial success and financial freedom started when I had my first experience of earning from scratch. And I’d like to […]

Picture from HERE Sweldo is a Filipino term for paycheck. Filipinos commonly receives their monthly payment every 15th and 30th of the month. An average employee is being paid 10-13,000 a month which constitutes a minimum wage earner. I am part of that scheme but thanks to my hosting and events, I was able to finance for my needs pretty well. Living Sweldo to Sweldo or Paycheck to Paycheck means […]

UITF stands for Unit Investment Trust Fund. It is another form of investment in the Philippine market that shows great potential nowadays. UITF, unlike Mutual Fund that is handled by trusted financial company, is handled and made possible by banks. It is an open-ended pooled trust fund denominated in pesos or any acceptable currency, which is operated and administered by a trust entity and made available by participation. – See more […]

Yesterday I received this reader question through my contact form. To the letter sender, that you first and foremost for the time in reading my blog! And congratulations for this eagerness towards financial freedom! I am glad that SavingsPinay is helping you in a way. To answer your question let me first clarify an important note. Remember that Mutual Fund is NOT offered by banks but rather offered by trusted […]

As I mentioned on my previous blog, there’s this other form of investment that can give you surprising results. For beginners who are still in a confused situation whether to invest in Mutual Fund (FAMI) or Direct Stock (COL) then I am giving you another lee way, UITF! For complete meaning of UITF kindly read HERE. So let’s start comparing the two. UITF is handled by the bank. But they […]

Most of Filipinos learn the value of investing too late. Based on my observation, financial literacy isn’t taught in public elementary and high school. I graduated in college without any formal knowledge about saving, budget, investment and other terms that I only come to know now that I am working and managing my events business. This factor is why a lot of Filipinos are afraid of the word “Investment”. It […]

I am so thrilled and excited to announce that SavingsPinay’s How to Effectively Budget Your Money got featured in The Coffee Bean’s website, BrewYourBestYear!!! This is a major leap for this humble blog of mine. I think I wasn’t able to share my goal yet or the reason why I created this blog, but today I would like to reveal. My vision as a blogger is always this: I want […]

Your view about money shapes your financial wheel for life. I couldn’t even stress on the importance of money principles for it will be your very pillar of success.  A money principle stands for your basis when it comes to how you use and allocate money. It is a concept that you try to remember, follow and pass to others as it works for the betterment. As said in my […]

I enjoyed the movie Confessions of a Shopaholic. I haven’t read the book yet but the movie… it was hilarious and honest at the same time. I am not a shopaholic. I do hauls on my beauty blog but I do that once a month. Of course I do this end of the month reward trick just to motivate me in my saving goal. Most of my end of the […]

Have you ever wonder what’s your current net worth?! Net Worth just like Investing is another foreign word for most of us. It seems like knowing your financial net worth is only reserved for the rich. If you are a common employee, assessing a financial net worth in the present day is found as irrelevant as creating a last will testament. Overview By definition, net worth means a person’s total […]

Earlier this month I received a great news from the HR Manager of the company where I am working. It was special news that I broke down and literally cried in front of her. i just can’t contain the happiness I felt. It was as if all of my efforts were acknowledged for the past six months. I have a post before stating the reasons why I left the previous […]

Hello everyone! If in case you are new in my blog, make sure to click the image on the top right and become My September Commenter of the Month!!! I am giving away 300pesos worth of Sedexo Gift Certificates and 500pesos worth of Ever Bilena and Careline Products. It is my pa-ber month treat for everyone! Again, click the image on the top right. Last July I received this reader’s […]

Wow. I still can’t believe how I manage to stay in the Top 50 Business and Finance blogs of the site. Thank you for visiting, reading and commenting to my humble financial platform. I hope in some way or another I am adding value in your life. For this quick post I’d like to still introduce you to New SavingsPinay Pages! These are quick links that will make your […]

I am an advocate of the famous saying that “Age doesn’t matter”  but not in terms of love but in the proposition if success. I always tell to the people I engage with that age is our greatest advantage. We can never be too young or too old to dream.We may have different measures of success but what matters is owning the journey and working towards that fruitful destination. I […]

You know my love for rewards card as have shared to you my Robinsons card and my Coffee Bean Swirl Card. I love special things that add value to my purchase. Last week while it rained very hard I decided to drop by at 7-Eleven to have some korean cup noodles and added snack. While paying the cashier introduced me to Everyday Rewards Card of 7-Eleven so I decided to […]

Yes, I own a wallet na di nauubusan ng laman (a wallet that has never ending cash). No, I am not owning a Seiko leather wallet. More so, I bought this wallet almost six (6) years ago in Landmark Makati for just 129pesos. And honest to goodness since I bought it, I never ever had an experience of losing money. It always has something inside.   Others will tell me […]

 I also posted this same blogpost in my Beauty Blog 🙂 Recently I’ve been stalking the blog of Michael Hyatt. He is a well-known blogger entrepreneur that focuses in intentional leadership. I stumble upon his blogpost on creating an ideal week. That post truly motivated me to create mine. The idea of creating an ideal week is allowing yourself to plan how you would like your week to be if […]

Hi everyone! I notice how fast this blog audience has grown and I couldn’t thank you enough for browsing each and every post I have. You might not notice though but on my pages above you can see the Beauty link. This actually brings you my other blog,, that focuses on beauty hauls, product reviews and other lifestyle posts. Now I know a lot of my readers here are […]

Though I may be a financial blogger I will be very honest to say that I am not perfect when it comes to my finances. If you remember my two posts about the things that ruin my budget like here and more here I have these moments when I really over spend. I feel guilty right away and will promise once again that I won’t do it anymore and will […]

Over the weekend a question pop up on my inbox in regards to whether a 21 year old needs to save up or to spend on things that him happy. I’d love the question so much and I believe it will be nice to share my opinion in regards to this matter. I am actually turning 21 this November and as you may have noticed here in my blog I […]

If your today is the your first time dropping by my blog then I highly recommend for you to activate your subscription through RSS. This way you’ll be sure to receive my new posts straight from your inbox! Also remember the on going Commenter of the Month giveaway to which encourage you to join! For today’s blog post I will be giving you an essential tip that will boost your […]

Hi everyone! Sorry if my winner announcement has been late. I have a hard time choosing the winner for my September Commenter of the Month for I received such an amazing love from you all. Anyhow  I highly value quality and consistency over quantity when it comes to choosing the winner. I also thought how valuable the comments are, the reactions, suggestions, questions and those who was able to start […]

I believe so a lot have enjoyed last month’s All About Paluwagan post. It was one of my most commented blog post of all time. The views are also drastically changing to its peak thanks to you. I realize now that I should certainly focus more on posts in relation to us Pinay/Pinoy so today I will be introducing a new quick lecture. It’s All About 5/6! Just a disclaimer […]

I am no expert. I may have been blogging about financial management but I assure you my basis are pure experience, research and readings. But though I may have less qualifications to pass as a financial advisor, my passion and my advocacy for people to start taking advantage in their age, is what makes me have a powerful voice in the finance and business section. For today’s post I’d love […]

Do you wonder how you can earn extra income aside from your daily allowance? How about the income you make in your work? Then fret no more because I am here to give you the best possible ideas that you can  earn extra income in a safe and easy way. All of us needs money to buy our essentials. But I know at some point we will have those moments […]

Hi there!!! Just last year I never even thought of hitting 5,000 views in SavingsPinay. I felt like finance blogs are not that accepted since here in the Philippines, financial literacy is not taught in younger years. I never even imagine being in the Top 50 Business and Finance blog for all I do is share the knowledge I get through personal experience, readings and research. My posts got featured […]

Wow! So it is exactly less than 100 days before 2015!!!!!!!!!!!!!!!!!!!!!!!! Parang kailan lang yung first post ko na Starting from the Start. I hope your doing great everyone and hopefully gaya ko you are excited too for new year! Today’s post is about Creating Spending Plan and it will be nice that before 2014 ends you know exactly how to this basic financial tool. Creating a spending plan is […]

Have you asked this question before? Have you typed in Google having high hopes that you’ll find the answer. I did. But it wasn’t because I’m greedy or anything but just out of curiosity. I want to be rich financially. And I bet you too. So upon countless research and reading I then found out effective ways that you can be rich. This may be called the ultimate guide para […]

Currently, today marks as my regularization at work. After a year and a half since I graduated, I can now confidently say that I found a home to hone my skills in writing and communications professionally. Being a marketing assistant/technical writer for an IT-based company is tough at first for a journalism graduate like me, but slowly I was able to get on the flow and love my job and […]

2014 has been a year of learnings and taking risks for my financial life. Aside from my FAMI-SALEF investment I also opened a BPI Direct Save Up plus Insurance account to kick start my emergency fund and maximize the potential of my savings. I waited for about 2 months before my Info Card arrived but since I enrolled via my BPI Express Online I can easily access the records of […]

As you may I know I’ve been a featured contributor to BrewYourBestYear, part of the Coffee Bean & Tea Leaf Philippines. It was such a humbling experience knowing Ms. Nella Lomotan, Brand Manager of CBTL and how she will as always be accommodating in answering my emails. Remember my post about Swirl Card?! CBTL’s own version of membership cards with higher point  to pesos conversion. After receiving that Swirl Card […]

Before the work week ends I’d like to give you, my readers, a little treat. Here’s the Infographic version of one of my highest viewed blog post entitled How To Stop Living from Sweldo to Sweldo. You may read the full story here: How To Stop Living from Sweldo to Sweldo which also includes further personal experience on living from sweldo to swledo before and essential terms and examples that […]

An office mate of mine once asked where to primarily invest since there are even more types of Managed Funds available. It took me a long time to answer for I wanted to gather as much information as possible regarding the topic. You see the worst problem other than committing to a budget and saving is choosing where to invest your money. There are just a lot of choices to […]

Hi everyone! It is as always nice finding time to blog for you guys. I have been quiet busy with events outside and even events at the office as the Admin had requested me for help on program for the Anniversary and the Halloween Party. Both of which I will discuss on a separate posts on my Beauty and Lifestyle blog, IzzaGlino. I thought it would be very nice to […]

November is finally here. Oh My Birth Month. I have always viewed age positively and the blessing of yet another year to strive and be better is what matters most. Have I felt that the years has been moving so fast?! YES!!! I still can’t believe that I will be 21 on the 9th. Recently I felt like this blog has been filled with more finance information that I never […]

I received the email yesterday night and through Ms. Joyce’ approval here’s the exact copy of the answer I gave to her inquiry. If you have any financial question you can easily reach me at I also give advices when it comes to career, productivity, relationship and faith. 🙂 Hi Ms. Joyce!!! First and foremost maraming maraming salamat for we share the value of tithing and I believe so […]

If you follow me on my beauty and lifestyle blog, IzzaGlino, you know that last month I was invited for the media launch of Coffee Bean and Tea Leaf’s 2015 Giving Journal. It was a super fun Saturday ,morning event attended by bloggers and media practitioners. I even met Ms. Ana of The Fashion Commuter. Check out my experience in this link:My 2015 Giving Journal Media Launch Experience. Anyhow, I […]

  It has been nearly 2 years since I graduated college. Sometime I still find it hard to believe that I am now done for it feels like only yesterday when I first entered a four-corner classroom. I have a long who am I post in my other blog that you can thoroughly read here.   So what exactly happened to me after graduation?     I still do events […]

Here’s another infographic as a treat in the end of the work week. It’s SWELDO day today so be sure to treat yourself a little. Hope that the coming weekend will be great! Today’s Infographic is about 23 Motivational Hacks for Young Achievers. I have always believed in that age is our greatest advantage. I hope that through this infographic you will be inspired more to achieve things. Get […]

A blog post that will make you realize that there’s more to earn if you only eliminate these 6 Financial Traps of your life! I feel extra happy whenever I check my savings account and find that slowly but surely my money is growing. There’s just much security that I feel in my heart. I have been in a phase when I my expenses are way more than what I […]

Hi everyone! If you’ve been watching my Youtube Videos you know that in my recent upload, I vlog about my updates, new haircut and e-book release for SavingsPinay. You can watch the video in this link:  or watch it here: There are those who questioned my sudden hair change from medium length to short and partly shaved. It was such a courageous move for me as I always feel […]

As I may have told a lot of times before, I made the biggest financial decision of my life earlier this year, January 20 to be exact. It was an unforgettable moment for me because one, it was right after I resigned to my job. (I got the opening fee of 5000pesos from my savings in the previous job) and two, I had long been planning about doing it. Now […]

If you remember my 2014 SavingsPinay Reader Survey, I asked whether what topic of an eBook would you like to receive from yours truly. I got a favorable response for Tips and Tricks for A New and Improved Life so from then I slowly started drafting the contents. The Welcome Page As this is my first attempt to write something more than an ordinary blog post, I felt like it […]

Yesterday I gave a nice introduction to this eBook, Making 2015 Your Best Year Ever, created out of love and passion for personal finance education. It’s very simple, minimalistic design, less than 30 pages but filled with knowledge. sample pages of what you will get 🙂 As a first attempt I believe in having this eBook as a form of tithe to God so I decided to make it FREE. […]

If you’ve been following my blog you know how much I change my themes often and I do apologize for the sudden change…AGAIN. I just felt like my theme earlier this month has been out of control considering the Adsense stuff that I would like to minimize. I wanted this blog to be as sincere as possible. I want to broadcast financial knowledge and add value to my readers first, […]

My first savings account ever was from BDO. It was my Mama who made it possible for me to have one even though I only have Postal ID as an official identification. The account only lasted for a year and I got it closed because I was below the minimum balance. I don’t know how to save back then.I was sad that because of my bad attitude on money, I […]

You still have a chance to get the Making 2015 Your Best Year Ever eBook together with the Making 2015 Your Best Year Ever Templates!!! All for FREE. All I need is your email and I will be very glad and excited to email the free copies to you! What you’ll get?! A 25-page PDF about basic personal finance knowledge that could help you make your 2015 the best year […]

I know I’ve mentioned this either on this blog or on my other blog, but yes, my language of love is recognition. With that being said, I realized how an over-achiever I can be. I love starting something and most of the time I find it real hard to finish what I started. One step forward, two steps back… I always try to find another thing or stuff to add […]

  Photo from  Ubackdrop   So it’s finally the last month of the year!!! I hope you can stay tune for this month as I will have my Holiday Series. It’s everything that you want to know this holiday season concerning your finances. On my other blog, beauty and lifestyle, I am planning of publishing the best of 2014 series. 🙂 Hope you’ll support both blogs.   December more than […]

Image from …..December. I will be 100% sure that all of us will hear a Christmas-themedchristmas-themed song today. What’s your favorite Christmas song?! For me it’s Have Yourself a Merry Little Christmas. That song makes me cry sometimes. The message is clear and the rhythm is amazing. Nakakakilig. But of course today’s post is not about Christmas Song. Today I decided to talk about wise-thoughts for this holiday season. […]

I am a believer of how Time and Money relates to each other. If you can’t manage your time I am pretty sure that you can’t manage your finances too. We often hear people complaining that they don’t have enough time and accompanied by “I don’t have enough money”. I’ve been through that phase every now and then. Not having the ability to commit to a schedule and to a […]

Growing up, I was taught that the only way that I could earn money is to get a job. The term “investing” sounds very foreign and very uncommon for me. When I started dropping by at National Bookstore and reading books in business and investing books that I became fully aware that there are more opportunities available. If you want to earn more money, you have to work for longer […]

 Over the month of October I found out a new website where I could just shoot my answers to random questions. QUORA. I became addicted on my first week answering questions. The topics that I chose is Personal Finance, Blogging and Productivity. Anyhow, one question caught my attention and I am glad that I had about four upvotes (like like in Facebook) TO MY ANSWER.  The question is, “How do […]

What do you use to keep track of your finances? Making a budget, knowing where your money goes and planning your life in general can be a daunting task. You need to keep up with the daily changes and update all of your financial activities. Back in 2010 when I started earning money the first budgeting type that I used is a notebook. I write down the money I got […]

I personally know how hard it is to shop and having these common financial worries at the back of our minds during the holiday season. All you want is to spread the joy by giving gifts to the people you value but there are times when you are truly in a tight budget. But for this post I will be sharing practical tips that could help you save a lot […]

We hate waiting——at least me and the people I’ve come to know. Waiting is an absolute waste of time and is a test of character. Back when I was still a student, I had experienced suffering from long lines just to get either my books, my Form 137 Card or even my class registration. The moments are still fresh in my memory. How hot the weather is during the said […]

I have blogged quite a few posts about Unionbank and as part of my research I noticed this one product of the said bank that caught my attention. Ladies and gentlemen, welcome to Unionbank’s famous UITF investment vehicle, the Peso Money Market Fund. The Peso Money Market Fund is a peso-denominated unit investment trust fund that is designed for a higher yield on short-term investor. It is an ideal investment […]

Hi John! I am very much happy reading this email from my Inbox the other day. I’ve always been open of how much I take age as human’s greatest advantage. And reading your question make me feel so kilig. You are 18 and you feel that excitement (hopefully) to learn more about investing your money. I made my first ever investment at 17 when I started my own event business. […]

It’s been a long time since I gave free infographic to you guys but here it is now, the Infographic Version of Understanding Managed Funds as an Investment Vehicle in the Philippines. To read the full blog posts click Understanding Managed Funds as an Investment Vehicle in the Philippines which gives you a great insight on what managed fund is all about. You may have heard about Mutual Fund, UITF […]

Now that 2015 is fast approaching I am very much looking forward for a fresh start. Though 2014 has been a great year, I admit that I have some financial mistakes. I did made a post on things that ruin my budget that you could read here and here. So I thought doing a list of Money Resolutions could be a nice idea. The goal of these Money Resolutions is […]

Achieving excellence in time management is a work in progress. It will take a lot for one to master the art of organizing one’s schedule, goals and align it to the given 24-hours we have in a day. Learning to value how we spend time will help us in appreciating life in its simplest and fullest form. Imagine living a day where you are focused on one goal and shooting […]

When my sister told me one night on our home that she wanted me to be her supplementary card holder on a BPI Credit Card she’s planning to open, I immediately immedietly said, yes. I know it was a sudden move but I thought this is my chance to finally do something that I’ve been putting off for a long time. I had a brilliant idea of a niche blog […]

In my blog post, How To Stop Living from Sweldo to Sweldo I explained the importance of slowly building 3 Envelopes of Your New Life. This has been a technique that I did that led me find relief on my cash flow. With this in mind, I learned to better allocate your money. I make sure to include a portion of my income with these three envelopes before I spend […]

If you’ve been into personal finance blog for a long time, I’m sure you have encountered the term “Emergency Fund” for a lot of times. Emergency Fund is money that you put aside and intend to only use for emergency situations. This Emergency Situations are/but not limited to the following: 1. Accident or Medical Emergency 2. Natural Disaster 3. Fire 4. Anything that’s a matter of life and death 5. […]

You may have known already that aside from this financial blog I also own a beauty and lifestyle blog for frugal Pinay at The blog is mainly concerned on beauty products, makeup, OOTDs and many more that shows the other side of me. More personal too at some point. Anyhow, due to the busy schedule I still can’t come up with a new post so I decided to share […]

As I may have honestly admitted over the past posts my 2014 Financial and Personal Goals has been an epic fail. I wasn’t able to accomplish even half of my list which you could as a page. I even said that my goal is more of a wish list rather than a goal board and hopefully the 2015 Financial and Personal Goals will be better.  A copy of my 2014 […]

Last week I mentioned the 3 Envelopes of Your New Life that I truly wanted to share to you guys. The said envelopes have helped greatly in my financial journey and I am very glad that through my constant reading from other financial blogs, new knowledge is opened. I probably got the idea of this 3 Envelopes from a fellow blogger too but I truly forgot who he/she is since […]

This post is the last installment for my 3 Envelopes of Your New Life and again I’d like to extend my appreciation for the support on this series. In case you are visiting my blog for the first time I recommend checking my latest series called Top 10 Most Important Lessons in Personal Finance that can help you a lot in building a stronger foundation for your financial freedom. Anyhow, […]

Happy New Year!!! If you are reading this then I want you to know how much God loves you! How much He cares about you! And how much He is longing for your attention! I believe that the year 2014 passed by too fast that we forgot to take a pause and just delight with His blessings. As I look back to how my year went, I remember the many […]

This 2015 I want to be Productive! I want to get things done on time. To be able to have proper time management and to achieve a  better work life balance. Over the past years I find it very hard to work on my goals, my schedules and my daily to-do’s. It’s as if I know I have a lot to do but instead of doing the most important, I […]

I thought of not creating a visible goal this year for I feel so embarrassed of how my 2014 goals became but then I felt like I need my accountability partners now more than ever. And yes, you are part of my life now! Just like what I declared on my Review post I will be including the failed goals on 2014 to my 2015 and I will also create […]

Now more than ever is the best time to save money. If you’ve been procrastinating on your financial situation then you might want to think again. Saving Money is more than just having a reserve amount. It means prioritizing yourself! The “Pay Yourself First” Attitude In my series, Top 10 Most Important Lessons in Personal Finance, I told you how important Paying Yourself First is. You see, a common employee […]

Hi everyone! How’s 2015 going? Some may still have a major holiday hangover. Don’t worry you are not alone. Even me just want to more time on my bed because the weather calls me so. It is very cold here in the Philippines at sobrang sarap matulog!!! Comment below if you agree. Anyways, I hope that after a much needed blog rest (I haven’t posted for the entire holiday, have […]

The Freedom Event! Whenever I get invited to an event I feel so happy. It is a new and fresh experience for me. I get to go to a new place, meet new people and learn something new. I know you are very much familiar with My Coffee Bean Giving Journal Event Experience last year which I still remember till now. Last Friday, January 16, I was invited to be […]

“Magkano Sweldo mo?!” That question is most often answered by a big, resounding “SECRET”. We hate letting others know how much we earn. It will most probably one of the two reasons below: You are afraid that you are earning MORE THAN the person who asked. You are afraid that you are earning LESS THAN the person who asked. In the Philippines, Sweldo is the Tagalog Term for Sweldo. And […]

Hi everyone! I took a week of writing retreat just to replenish my mind and my editorial calendar. It feels so good to find out a lot of new information and turn them into blog posts!!! Today is all about the HBC Beauty Rewards Card. I have shared to you guys how much I love Rewards Card. You can click this link HERE to find all of my posts in […]

I don’t know about you but every time I am stuck in a traffic commuting to and from work, the idea of owning a car hits me. I don’t have the budget and I don’t think that I will actually buy one in the near future but of course I am opening the possibility. For this year on my 2015 Personal and Financial Goal I added a Driver’s License for I want to […]

Hi everyone! For a long time I’ve been dreaming of having “A Day In My Life” type of videos on my Youtube Channel. Sadly I feel like my life is boring plus I don’t have the right tools such as video camera to do it. So to keep up with that “dream” I thought of doing it via this blog. Welcome to a typical day in my life! 5:30am– The […]

I can’t believe that I am actually celebrating my first year as an investor. I remember how courageous and excited I was to open up my FAMI-SALEF. I was all alone searching and printing the documents and going to the bank as well as the courier to ship them. It was a sign of relief when I finally got hold of my statement of account. At that moment I knew […]

When I did my very first Reader Survey last year, the results revealed that the primary age bracket of SavingsPinay Readers are in between 25-55. I remember how surprised I was back then. I felt a lot of pressure because I knew those who are reading this blog have the age and experience advantage that I cannot  contest. And to give thanks for the trust that you are showering for […]

So how’s the first month of 2015 going for your life?! Are you performing the best version of yourself?! I know some experience trouble in committing to their goals this year. I’ve been to that situation all my life. You may have read my blog post, One Step Forward, Two Steps Back where I honestly admit how “one epic fail” I feel in my life. I love to start something […]

When I thought of this 14 Day Program Idea I felt so excited! This is a type of big project for me that I know I won’t just be adding value and sharing to others (to you!) but I will also be reminded of the importance of PRODUCTIVITY. Every day will be like preaching myself but also teaching you which is like again, shooting two birds with one stone. PRODUCTIVITY […]

Welcome to Day 0 of the 14 Day Productive Living Program.  For Day 0 you are will be inspired to push the RESTART button of your life and undergo a boot process to be able to go back to your normal state. The state that where you are in your usual phase. If you haven’t signed up to receive the Freebies in accordance to this first ever SavingsPinay program, then […]

Welcome to Day 1 of the 14 Day Productive Living Program. Hi! I hope you are still enjoying this first ever program from Savingspinay. The goal of this 14 Day Program is to unleash your highest potential by becoming a more productive you. Your efficiency and effectiveness over day to day living will be so much better. Here’s the rundown of our lessons; Day 0 – Pushing theRESTART Button of […]

Welcome to Day 2 of the 14 Day Productive Living Program. If you are visiting my blog for the first time then I’d like to say “Welcome to my blog!!!”. This 2015 my word has been “EMBARK” and to live with that word I decided to create my very first program for SavingsPinay. For the next 14 days I will be giving blogposts that will make you realize the importance […]

Welcome to Day of our 14 Day Productive Living Program. I hope that you are enjoying this very first installation of 14 Day Program. Productivity is a topic that has been very close to my heart as I’ve always wanted to excel in that area. I believe that becoming effective in life by knowing how to balance your time and your effort over tasks can directly affect our finances. Here […]

Welcome to Day 4 of the 14 Day Productive Living Challenge! Thank you first and foremost for the additional subscribers that this humble blog of mine gained even for just the first week of the Productive Living eCourse. Thank you so much for giving SavingsPinay a chance. Just a quick run down to our topics so far. Day 0 – Pushing theRESTART Button of Your Life Day 1 – How to Plan for Your […]

Welcome to Day 5 of the 14 Day Productive Living Program The path of productive living is not just about the right attitude but also using the right tools. Tools that improve productivity is a huge gift for any person especially in the modern world. Before I move on to the “tools” that I personally use in my productivity system I would love to remind everyone that tools differ from […]

Welcome to Day 6 of 14 Day Productive Living Program! My ultimate goal for starting this whole series on Productivity is to really inspire others of how important time management is. It has been a huge struggle for me to balance everything in my life but I can only blame myself for being such a big procrastinator. Here are again the topics we have discussed so far Day 0 – Pushing theRESTART […]

Welcome to Day 7 of the 14 Day Productive Living Program! As a career woman myself, I knew how important it is for me to attain my goals and still keep the balance in my personal, social and familial life intact. I enjoy the office work and being with my colleagues. I love the deadlines and I do feel like having Pygmalion Effect  or when people expect something from me […]

Welcome to Day 8 of the 14 Day Productive Living Program! The hardest job one could ever have is being a mother. I consider it a job for it is far more than just a status in life. It is an endless and tireless day to day work. From the moment your husband and kids wake up to the minute they fall asleep, it would be part of your responsibility. […]

Welcome to Day 9 of the 14 Day Productive Living Program! I remember even when I was just in grade school I will always have this “entrepreneur spirit”.  I love developing ideas in my mind and turning them into business. If you’ll read again my post on How To Earn Money before 20 then you’ll know some of the things that I  did before. I also created my own event […]

Welcome to Day 10 of 14 Day Productive Living Program! When I decided to pursue blogging, my goal was to simply share my story. Little did I know that blogging will be so addicting. At the moment I am maintaining four blogs and really learning step by step to be efficient and productive. Of course I have my share of failures like times when I cannot create a great blog […]

Welcome to Day 11 of the 14 Day Productive Living Program! I decided to include this topic in the 14 Day Productive Living Program to encourage others in the pure essence of being faithful to God. I don’t want to sound preachy in this blog post but I do hope that at the end of the day you’ll be able to realize how important putting God first is. He has […]

Welcome to Day 12 of 14 Day Productive Living Program! The most important and can even be considered as a prerequisite before you learn how to effectively manage your time is the skill of becoming productive. Day 0 – Pushing the RESTART Button of Your Life Day 1 – How to Plan for Your YearDay 2 – How to Plan for Your Month  Day 3 – How to Plan for Your Week Day 4 – How to Plan for Your Day Day 5 – Tools You […]

Welcome to Day 13 of 14 Day Productive Living Program! On Day 5, I shared the productivity tools that I use I mentioned that I will be giving a page by page walk-through on the planner that I use. I shared about my planner in IzzaGlino for 2014 and I was actually thinking to use my beauty and lifestyle blog as the main venue for My 2015 Planner Walk-through. And […]

Welcome to Day 14 of the 14 Day Productive Living Program! Long ago I posted about Reengineering Your To do List to Perfection. It was one post that I am so proud of because it had helped people knowing how important a To do list and how it can help you sort out the bigger rocks in your life.  Day 0 – Pushing the RESTART Button of Your Life Day 1 – How to […]

Follow my blog with Bloglovin  For the past 14 days all posts in SavingsPinay focused on productive living. Thank you for the warm response that this first eCourse got from you. Productivity is again a topic very close to my heart and what a better way to invest in that knowledge than to share it. The true meaning of productive living Productive Living is all about becoming a better you […]

Hi everyone! Today I decided to give a Quick Recap and Announcement since the past week has been all out. I also couldn’t find a time to post this one since we’ve already begun the 14 Day Productive Living Challenge but I do hope you still enjoy this January Quick Recap. I want to extend my thank you for reading my blog and being by my side. Here’s a list […]

If you’ve read my last week’s financial lesson blog post entitled All About Sweldo in the Philippines then you might have an idea on my do’s and don’ts towards the end. Thank you for making it one of the most viewed post of SavingsPinay. Anyhow, today I will teach how you could turn your salary into a potential income. Now you might be asking what’s the difference between the two. […]

Whenever me and my younger sister have misunderstanding and my Mother will of course be in favor of my younger sister (even if she is wrong) I will have this thinking that I want to move out. I really wanted to move out even during college days. Not moving out in a bad way but moving out to experience independence. Owning a house and turning it into a home for […]

In celebration of this year’s Chinese New Year I thought of dedicating a particular blog post for the nation of the Land of Opportunities. During my school days I have been taught about how well Chinese are in terms of finances. They have been the owners of some of the biggest businesses in the country. They are also known for their natural frugal living and how well they spend their […]

For the first week of February I have received questions from Sir Jonathan all concerning investing in FAMI-SALEF. I asked him if I could share his question as part of this month’s Reader Question together with the answer I personally sent him. Glad that he agreed as both us know that there may be others who have the same question in mind but don’t know how or whom to ask. […]

Woot! Woot! The month of February is almost over. I still can’t believe that we are on the 3rd week already of the shortest month of the year. How did your Valentine’s Day go?!  I hope you had a wonderful time with your loved one. Though I may be single (Read here to know Why) I am not bitter or anything sa Araw ng mga Puso. It is a nice […]

Akinse or Atrenta… Sweldo is the question. Whenever its payday there is just light in the eyes of every employee. After days of working for hours you can now finally enjoy your accumulative earnings. You may remember how I shared to you guys the Things That Ruin my Savings and I felt like many totally relate with my situation. Now as an employee you may find yourself sharing the same […]

Becoming a young entrepreneur may be hard for there may be judgements on your age. I remember the time when I started hosting for weddings and debuts, I was 17 and in my second year in college. I felt like most clients show doubt whether I can really do it because I am too young, no experience on love and relationships as well as haven’t had my own debut, yet […]

Today, February 26, 2015, I am celebrating my first year at work. I still find it amusing that I am now living the employee world as I still feel just like yesterday when I graduated.  I can still remember how nervous I felt when I was interviewed by the HR Manager as well as the day when I stood in front to present myself to everyone in the office. We […]

Hello there! I hope you all are doing fine. The shortest month of the year is now over and we are all saving hello to March! March is one of the busiest month for me and my family for we will be celebrating not just one but four important occasions this year. My brother and his son will be celebrating their birthdays (they were both born on March 30), March […]

When I first heard of the 52-week Money Challenge I was so ecstatic. Finally another saving system to add in my list. I was have a big fan of the 50-20-30 method wherein 20% of my take home pay is reserved for my monthly savings or the 3 Envelopes of My Financial Life. Before the year started I knew I want to start a new envelope called Future Fund which […]

“What do you want to be when you grow up?” This question has been thrown once when we were young probably by our Mom, Dad or a close relative. Do you still remember the answer that you gave?! When I was still young I actually have no idea what I want in to be in the future.  All I knew is that I am fond of writing and I always […]

Hi everyone! This week I will be introducing a Job Interview Series. It will be for the whole week so if you either find it hard dealing with job interviews or you have an upcoming job interview then you better check my SavingsPinay this week. Here are the topics that I will be blogging about. 1. Preparing for a Job Interview. This is a before, during and after job interview […]

Hi and welcome to this week’s Job Interview Series. I believe that March is a great month for job hunting as a lot of graduates will sure feel the pressure of the working world. If you have an upcoming interview or you just want to have an idea on what to expect during a job interview then this Job Interview Series is for you! Job interviews can be nerve-wracking. I […]

Yesterday’s blog post in line with this Job Interview Series: What to do Before, During and After a Job Interview and How My Job Interview Went. I believe one of the most common job interview question will be “So tell me something about yourself”. It is like the greeting that the Hiring Officer will tell you on the day of the interview. Though the question might seem simple… most job […]

On the first part of this Job Interview Series I of course told you how to prepare for a job interview. Thank you for those who appreciated the post and  see it as a reference if and then an invitation from a job interview comes. Today the focus of the blog post will be Timeless Tips and Tricks in Handling a Job Interview. My goal is to release you from […]

Hi there! I hope you are enjoying this week’s Job Interview Series. Make sure to check the past blog posts as follows: Introducing: SavingsPinay’s Job Interview Series What to do Before, During and After a Job Interview and How my Job Interview Went How to answer “So Tell Me About Yourself” and More Common Job Interview Questions with Answer  Today I’ll talk about How to dress during a Job Interview […]

When I first started working I never really paid much attention on my paycheck. I felt like it is not that important and what matters most is that I can have the physical money or payment for the job that I did. But when I started having financial literacy I learned that I need to study my paycheck. I need to know where my money goes. Why Study Your Payslip?! Table […]

I never thought that this amazing opportunities will happen to SavingsPinay. Looking back from the month and year that I started this blog, I never ever imagined closing to 5,000 pageviews. Financial Literacy or shall I say Business and Finance niche has been very foreign for Filipinos, including me. SavingsPinay’s vision has always been empowering people to take advantage of their age. I believe that we are never too young […]

Happy Women’s Month! Table of Contents Happy Women’s Month!We make investment goals for long term. We search for help more.Again, Happy Women’s Month!!! Be better in your finances. Save Now, Invest Now and walk your way to success. Sign up in my Email List and receive templates to get you started in your Financial Wealth. Follow me on Facebook and Twitter for better updates. Godbles Though not dubbed as a […]

Remember when I posted My 2015 Investing Plans and Nice to Haves?! 2015 Investment Plans (BIG CHANGES) Investing in Stocks. Back then I shared to you guys that my #1 must have is to Open a COL Easy Investment Plan. I even expressed how I see diversification as my top priority in terms of finances. Well the first big change is that I suddenly realized the need to build a […]

I guess one good thing that choosing to have a job rather than pursuing hosting as my main source of income is being with different people or different age groups and of different thinking in almost every day of my life. I learn from the people around and in return I try to be of help too for things that I know like beauty, finances and life in general.One main […]

Health is Wealth and so does the saying goes. I am a firm believer that healthcare should be available to everyone on all walks of life. I never paid much attention to the deductions un my salary not until I came to understand the benefits that these will give in the future. If you’ve read my past post entitled Studying Your Payslip you’ll know the basics of why we, as […]

Every Tuesday I will try to update you on my IMG Wealth Academy Journey. I also invite you to sign up in the form below if you want to attend one of their financial seminars too IMG Wealth Academy has been in the business for years. The mission is clear, no families will be left behind. They conduct free financial seminar to be able to spread financial knowledge to those […]

We all are aware of what a Budget. I believe over almost a year and a half that I’ve been blogging under the finance category I’ve tackled this topic time and time again. I call Budgeting as a timeless personal finance tool. Once you know how to budget you’ll sure is on your right track to financial freedom.  The very first post that I published is the 50-20-30 Rule of […]

Save and Invest. These are the three words that I am currently living with. Save money and automatically add in to the investments. It is hard especially for someone like me that’s in my 20’s and just on my first few years of earning without that much responsibility. Whenever I talk to someone and they ask why and how  I became so passionate about financial management I always answer that […]

As a career woman, staying good in terms of my finances is something that I am constantly working on.   I will have days when I save and days when all I do is spend. I am not perfect and though I have a whole lot of posts talking about money management I still stumble in terms of owning my budget, committing on my financial goals and so on.The idea […]

 I still can’t believe that  March is over. It still feels like yesterday that I had my February Quick Recap. March has been very good as it opened a whole new opportunities and learning for me. Though the month also has a bit of sadness since my beloved OJTs were done spending time in the office I still can’t contain my happiness with the celebrations of the month. March Quick […]

It was my Mother who gave me my very first experience with a bank. She motivated me to open my very first bank account in college. I believe it was her own money pa nga and I only deposited a handful amount back then. I never quiet understand the importance of a bank. Why will  a person trust a bank for the money he/she earned via hard work?! How does […]

Yesterday I gave you an introduction on how the banking system works. I hope you enjoyed yesterday’s post and you learned a lot. Today is a continuation of Part 1 where I will give you some caution on how to choose the bank you will park your money at as well as how you can safeguard your money in the bank better. I know that the most common financial institution […]

I have posted Sir Jonathan’s series of question before and I know I promised that I will update the Part 2 as well as Part 3 of our conversation. If you missed the part 1 then just click Reader Question. Here is the second part of his question. And this is my answer: Hi Sir Jonathan. Sorry it took me so long to reply. As per my personal experience, what […]

One of the financial computation that I find hard to understand is the idea of Rule of 72. I first encountered the concept in other financial blog and I did try to understand it but I failed. The Rule of 72 shows the future computation of your money. It simplifies how to determine when will your investment doubles with just a given fixed annual rate. The formula is just division. […]

One great tip that I always say to people around me is the importance of “Idea Dump”. Idea Dump is basically throwing all of the things that’s bugging your mind either via pen and paper or  through your digital app. Think of brainstorming. You undergo a process of just going through with all the thoughts and the solution for your problem. I love Idea Dumping. It is easy, effortless and […]

Last week I showed you valuable information on how banking works. It is a two part blogposts where Part 1 shows the basic information while the Part 2 is more of choosing and protecting your money in the bank. If you want to save then go to the bank. In my Emergency Fund article I gave a tip that a savings account in a trusted bank is the most ideal […]

When in doubt, ask. That’s the golden rule in the company where I am working right now. You can’t just do the work you didn’t understand for if after everything turns out to be wrong then you will be are the one to be blamed. Same with our finances. Whatever financial decision we commit must undergo a long process of assessment. You choose the best financial vehicle to ride and […]

And the heat is finally on. Happy month of April everyone and welcome to the hottest month of the year. This will for sure continue until May and then rain will start to fall by June. Oh my, just how fast the days go by. I can’t believe summer is already here. I am not a traveler. It was my eldest sister whom I admire the most when it comes […]

When it comes to investing vehicles to ride on, I am so proud that I chose a mutual fund first and foremost. It gave me such a big experience and big foundation to all the other bigger investments that I will be committing in the future. I felt so excited to grow my savings and open another investment every year for I know that investing is one way that I […]

Hi and welcome to another Monthly Quick Recap from SavingsPinay. The month of April has been very good for this blog, thanks for your support. You have given most of my posts generous pageviews and I can’t thank you enough for keeping this blog alive. This month I was able to create 17 posts which is a fail if you consider my 21 and Better List that includes posting 21 […]

I still can’t believe how fast time flies. It is the first week of a new month and just last Thursday I wrote my End of the Month Quick Recap… Again. Anyways, how are you?! How are things going in terms of your finances? Me?! Well I’ve been such a gastador for this month and I am really not proud of my financial decisions. You can actually read a post […]

Today, having an additional income is not just an option. It is a necessity. If you truly strive for financial freedom then you need multiple sources of income and let the money work for you. At the age of 17, I started earning my own money through hosting events. I did event hosting for weddings, debuts, birthdays,company events and many more which I still do today. When I realized how […]

I love the weekends. I love that I don’t have to hurry waking up in the morning. I love that I won’t have to spend time on the morning rush. I love that I can eat lunch and dinner with my family and have quality time with. I love that I can sit back and enjoy watching TV without interruption. But my weekends aren’t just spent on relaxation. I have […]

I love answering questions. The reason why I provided a contact page at the footer of my blog and always include my email address at the end of my post. Whenever I receive an inquiry I feel so kilig because I am reassured that someone is appreciating my blog. This week I rceived an email from a long time reader to whom I will call Ms. M just because I […]

Before I begin this post I’d like to  greet a Belated Happy Mother’s Day to all the super moms out there especially to the SavingsPinay mommy readers. I have all my love, respect and affection to all the mothers for I believe that there is nothing greater than a mother’s love. No one in our lives shapes us quite like how our mothers does.  On a personal level, I am […]

Over spending is just something that I find hard to let go. Though I never miss a month without a budget… I find it really hard to commit to my allocation. I will always have excuses and reasons why I deserve a treat, a meal or a splurge on a particular day. Even though deep inside I know that I should be saving money instead of wasting it for no […]

When I got a hold of my diploma, I knew that being a journalist, broadcaster or novelist is not my calling. I have this “gift” when it comes to writing but I don’t have that extra edge to serve the nation through press.  I was actually thinking of doing event hosting and event management full time (READ: My Life, My Job, My Career and 6 Success Tips that Helped Me) […]

At the moment, SavingsPinay, have already covered some of the most important concepts in Personal Finance. It all started with one single blog post way back 2013 and now we are nearing 228 published blog posts to date. I am very particular in picking topics that should be published in this blog. I guess one topic idea that I can discuss in my other blog IzzaGlino is how my blogging […]

I still consider making my first investment through FAMI-SALEF the biggest financial decision of my life. It was a first time experience and as the good saying dictates, “nothing beats the first time”. Though my determination to be an investor at 20 years old has been more of an “impulse decision”, I have no regrets at all. I knew that time I had proved that you are never too young […]

I thank God for giving me the talent of hosting events especially weddings. I feel like I am learning a new thing in every couple that I interview and in every event that I host.  Since June is considered as the wedding month in the Philippines, I thought that it will be nice to create a series focused on wedding alone. I’ll try to include things that I learned from […]

  May 1 is marked as a national holiday. It is a day set aside to recognize all the working men and women. I believe it is not just an ordinary day off for employees out there like me but a day to pay tribute to your role as part of the country’s working force. I’ve been an employee for the past two years of my life and it has […]

  In my years of doing events I realized that  wedding, more than just a celebration, is a lifetime event that will test your decision making. You deal not just with your fiancé but with different people that matters most in your life.     Deciding on the key elements such as type of ceremony, wedding theme, color motif and so on and so forth will never be just between […]

  Wedding in the Philippines can be very expensive. A lot may think that it will only cost 50-75,000pesos but from the preparation to the post celebration, a typical Filipino wedding with the hotel, ceremony and reception can cause you up to 200,000pesos. By culture, the man (and his family) will have to spend more than the girl. However, in the modern times, most wedding budget is between the couple. […]

  A wedding can be very costly. The reason why a high percentage choose to just live in or marry via civil is because they want to escape the high cost of the whole ceremony. Each and every detail of the wedding has a corresponding price tag. However, money should never be the reason why a couple can't have their wedding.     The main  solution to avoid money matters […]

Deciding who your wedding supplier will be is a hard task especially with a lot of choices that are now available. From church, venue, catering to event emcee, wedding suppliers have found a way to offer different product and services that could give you headache sometimes (or most of the time). You can also further minimize the options by investing in the five key suppliers that plays an essential role […]

The success of a wedding event is all about how well the preparation took place. Do not expect a well-executed occasion tomorrow if you will only start outlining the event proper today. Most wedding preparations may take place for a year and a half depending on how grand the event will be. This whole preparation period must be taken seriously as soon-to-be-marrieds still need time to relax and enjoy the […]

As you all know I have the tendency to say “yes” to everything. This means that I have a bunch of projects that needs to be done in a certain period of time. My open projects includes my daily work tasks as technical writer, blogging tasks such as writing content, producing images and promoting on social media, I also have personal projects that I never even started like fixing my […]

Money is a strong resource for a man. It can buy a power, prestige and luxury. Unfortunately, money can also bring hatred, greed and dishonesty. That’s why learning how to correctly spend your money is important. You have to be equipped in how money works if you want to really develop your path to financial freedom.  The art of financial planning is not only centered on budget, savings, investment and […]

Last week I devoted a post on productive things that one can do on the weekends.(Read: What To Do On The Weekends) It was one of the most viewed post for May and I realized that far more than becoming financially independent, most of SavingsPinay Readers sees productivity as a major need too. And for this matter I will commit to one productivity each week probably Tuesday. Personally, managing time […]

If you remember last year I became open on how I have some 20-something panics. I became very worried on certain parts of my life. I guess this is about the whole “responsibilities” sinking in for I am now earning my own money and making some decisions that could possibly change my life in the future. But you know what I realized? The identity crisis, career issues, familial responsibility and […]

And a new school year begins. I still can’t believe that it is already June!!! More than half of my personal and financial goals are still undone yet half of the year have already passed by. Today I’ll be sharing yet again my quick recap. I hope you are enjoying this installment for SavingsPinay. May has been a very busy month for me in terms of work. I also had […]

It’s been three years since I graduated in college and I sincerely miss being a student. I’ve found myself becoming nostalgic on student life. The student discount, the long summer breaks, the library and the being situated in a classroom filled with amazing friends/classmates. But I will be very honest. I am not a good student during my time. I struggle a lot in terms of managing my time and […]

Living from paycheck to paycheck is not something new for an ordinary employee. I experienced this back in my previous job due to uncontrollable expenses. You’ll have your sweldo by 15th and by 28th or 29th you need your next paycheck already or else you have no means to provide for your expenses needs anymore. This experience had taught me valuable lessons that helped me to financially recover. On the […]

Pursuing our financial goals and wants differ as we pass through the three primary stages of our life. If you want to change your life today, then you need to plan as early as possible before another stage of your life ends. You need to be ready as you enter the workforce, marry the love of your life, start a family, invest in your own home and of course retire. […]

I admit how I sometimes forget to pay certain bills not because I don’t have money but because I forget that it is already the due date and/or I am too lazy to go to the bank and pay. (Considering that the bank is just an elevator ride away from our office.) I lack the system to help me remember better when to pay my bills. Again on my previous […]

Lately I’ve been very moody when it comes to the people around me. I am moody in the office especially if I know that there are a lot of things to do in a short period of time. I am moody at home and keep some blaming other people for my shortcomings. I am especially moody when it is a weekend and because I have to be at our store […]

When I got the invitation for Freedom Event early December last of 2014, I knew it was one of those occasion that I can’t just miss. I found myself looking forward for it like how I much I look forward for the New Year to start. The whole story about my experience during the said event was published weeks ago and if you want to check then here is the […]

Hello there! I know it took me almost two weeks to update this blog. I’ve been very  busy the whole June and I couldn’t find any time writing for my blogs. Both SavingsPinay and IzzaGlino had suffered due to the unexpected projects that came to me. So now I’m back (from outer space!!!) and ready to bring you new contents. Thank you so much for staying in this humbl blog […]

It’s been a long time since I updated you guys on my FAMI investments so I thought it is just ideal to create a quick post. I am still part of the FAMI investors and just before June ends I received an invitation to join the 2015 FAMI Annual Shareholder’s Meeting. Sadly, I wasn’t able to attend because I already have an scheduled event. Aside from the Annual Shareholder’s Meeting,  […]

For me, happiness is when I knew that I get things done. I am happy when I finished a reading a book. I am happy when I had a productive day at work. I am happy when I know that I accomplished something that could be a value to my goals in life. I’ll be honest though that I still have days when I am unproductive. I will be too […]

Is it still normal that at my age of 21 I am working my butt off on my day job and other rakets because I am so much into financial stability before I hit 30? In MyLife, My Job, My Passion and 6 Things that Helped Me Succeed, I revealed how young I was when I started earning money. It led me to become really into money management. I will […]

Life after college can be very daunting for new graduates. I remember how scary I felt the day after my I received my diploma. I wonder what will happen to me whether I’ll pursue writing since I am a BS Journalism graduate or I will stay focused on my hosting career. I’m sure you’ve read this dilemma on My Life, My Job, MyPassion and 6 Things that Made Me Successful […]

I still can’t believe that we are in the middle of year 2015. Time surely flies faster than we could imagine.  Last year I decided to make my personal and financial goals for 2015 public. Today, after six months I’d like to give you an update on how things turning out for me.  2015 Financial Goals What I originally wrote? 1. Open a COL Easy Investment Plan before first quarter […]

Five years ago my mother decided to invest in a memorial plan for her and my father. She bought  two Life Plan with Money Back worth almost 100,000pesos each and payable for five years. Just last month, my mom announced that she’s done paying for the plans and now she’s investing with the memorial lot.   Why am I sharing this information to you? You know, I am very proud […]

I have shared many times my dream of traveling. I never actually walked out of my comfort zone in terms of places I wanted to visit. The furthest I’ve been is Antipolo and mind you, it was only a short trip to host an event. As an action plan for my strong desire to travel, I knew that I don’t have to procrastinate anymore and just commit to it.  Just […]

Becoming a successful person takes a lot of hard work and determination. Success doesn’t happen overnight. You need to have clear goals in life and focus on the action plan. Success is more than just attaining financial freedom. When you say you are a successful person, it means you are living life fully and is continually excel with their life both professionally and personally. A successful person knows what she […]

I remember the very first financial book I read that opened my heart and mind to the true value of money. It was “Ang Pera na Hindi Bitin” written by Sir Ardy Roberto Jr. It was a small, thin book filled with practical knowledge about financial management. It was the book that started my quest for financial freedom. Reading financial books has been more than just a hobby for me. […]

I am a big fan of internet banking. I have Metrobank Direct account for my payroll in Metrobank and BPI Expressonline account for my BPI fund. Online banking makes it easier for me to pay bills and helps me avoid long lines.  I actually encourage people around me to open the corresponding online service that their bank provides because you can check whether the sweldo already arrived. You don’t need […]

I am all about productivity. Yes, I do have my hits and misses but I always see to it that I get things done. You may have read my 14 Days to a Productive Life e-Course and I have enjoyed sharing  to you my tips and tricks when it comes to intentional living.  If you’ve watched my What’s In My Iphone video you’ll know I don’t have that much productivity […]

Hi everyone!!! I blogged about My Tagaytay Travel Diary in IzzaGlino so if you want to know more about what happened during the 2 days and 1 night trip please go to my other blog.  Here at SavingsPinay I will be sharing how our itinerary turned out to be as well as the how much the cost of the trip. I hope this could inspire you to relax and have […]

I salute all women who are career oriented. I have my high regards on their will to work and earn a living on their own. But I know too for a fact how excruciating it is to balance career and personal life. So to all the Juana out there, here are My 9 No-Fail Activities For a Better Work Day that will make you feel better. 1. Have a Morning Routine Before […]

Last week I shared to you the many advantages of getting an online bank account. You can read the post HERE. Thank you for the positive feedback from all SavingsPinay readers. I am really happy to have shared a valuable information to everyone. Now to keep up with all these “valuable information,” I decided to give you Investment Options You Can Try With Your Bank. I know how most of […]

A struggle that most of us can relate to is how hard it is to manage our money. You may come to this blog of mine to find answers and inspirations about financial management but to tell you honestly, it is still something that I’ve been struggling to perfect. It takes time and financial discipline to actually be good in money. And as always, the hardest part is the beginning.  […]

One awesome thing that happened to me during the last week of August is my free update to Windows 10 in my work laptop. The awesomeness of this new Windows version makes me cringe. For the record, I am not a fan of the Windows 8.1. I hate the tiles thing and how it makes it hard for you to search for your documents and all. So when the invitation […]

Just Search: SavingsPinay   I skipped not just one but two SavingsPinay Quick Recap. I’m so sorry for I got too busy working as a freelance content writer by night and weekends. I tried to balance everything but somehow there is something that will really suffer.   So to cut the long story/explanation short, I decided to limit my freelance writing gigs to just 3 clients and still do event […]

I’ve been a long believer that one should never be satisfied with just one source of income. So I learned to work my butt off just to earn a living at a young age. Read: My Life, My Job, My Career and the 6 Success Tips that Helped Me).  I realized how much of a blessing it is that God provided me with means to diversify my income. He gave […]

August has been an okey kind of month for me. You can read more of what happened to me last month in my other blog post entitled Goodbye August, Hello September.    One big move for me will most probably be getting a life plan through St. Peter. Read: St. Peter Life Plan: Is it Worth the Investment.      “I’m just 21, do I seriously need a life plan?”   […]

I consider building an emergency fund as one of the most important foundation of financial success.  Once unforeseen expenses arise, your emergency fund can cover the expenses. Thus, you won’t have any difficulty finding ways to get out of the emergency situation. Your emergency fund must be a reliable source. It must be stored in a place where you can easily withdraw or pull-out but still secured enough for you to […]

I still can’t believe that September is over. We are almost near the start of a new year. It makes me nervous and excited at the same time ending the current year and looking forward for 2016.  Today’s post is my Monthly Quick Recap about SavingsPinay. I was able to publish fewer blog posts and I am so sorry for missing blogging on a daily basis. I know saying “busy” […]

I want to be honest that I, too, fail in living my life intentionally. It feels like day to day challenge being able to lie up to the expectation of others. You wanted to be the productive you but the more you show that you can succeed in a task, the more people in your surround will depend on you. But instead of “magmukmok” in the sad reality of being […]

I believe I’ve share what I know about budgeting in a number of post. I shared how to create one, how to choose your budget categories and what methods I use. From notebook style, envelope style to the 50-20-30 method.  Budgeting is such a classic financial term that everyone should and must know of. And don’t just become aware of what’s and how’s of budgeting but totally commit to it. […]

I was browsing my post statistics last night when I noticed that my PNB UITF First Impression post is performing pretty well. It consistently becomes part of my popular posts week by week. This gave me an idea that more readers nowadays are looking for reviews on products they can possibly invest with.  So today I will be reviewing the UITF of a bank that had undergone some rebranding. I […]

The end of the year is fast approaching. It is literally two months and a half before a new year begins. Sometimes I wonder where did the days go. It seems like the older you get the faster the months go by. There are several things that I want to do and to accomplish before the year ends and I wanted to share everything to you guys so we can […]

 Last week I shared to you How I Still Choose to Love Budgeting Even If it Doesn’t Love Me Back. I even gave my resolution and one of the key items is to track where my money goes. I searched in Pinterest some formats of expense tracker. I can easily use Excel to create a spreadsheet but then I thought it would be better to manually record everything I spend. […]

Today’s post is my quick recap about SavingsPinay for the recently concluded month of October. Again, the blog posts I was able to publish was low. Blame the procrastinator in me that I can’t possibly beat. But know that I am trying my hardest to regain my blog sanity and become a productive blogger. I wish maintaining a blog will be easy but sadly it takes more than just a […]

It was my first time attending a Blogapalooza event. A day of the year reserved for the grandest and biggest Business to Blogger (B2B) event. It was held in One Esplanade, Pasay last October 26. I went to the event with my ever supportive sister who photographed me and the happening. The event is from 10am-6pm and booths from different brands (small to well-known) lined up and waiting to be visited […]

Now that a new year is about to start many will most probably reflect on how 2015 went. I am not 100% happy with what I did this year. You may have read and visited my 2015 Personal and Financial Goals and still many of the items didn’t push through READ: Mid-Year Update of My Personal and Financial Goals. But it’s a far better year than 2014 and this is […]

The SavingsPinay Series is back!   Last month I decided to bring back the blog series and on my Must Do’s Before 2015 Ends I mentioned that I am planning on making three blog series. One for October (DONE!), another for November and last but not the least will be December.  To recap, the SavingsPinay Series is created for in-depth look/thorough explanation of a particular subject or topic.  This November I […]

Today is the start of the SavingsPinay Series: Yumaman sa Mutual Fund. I am so excited to share in-depth thoughts on a  – particular topic that’s close to my heart — Mutual Fund. December 2013 when I got interested with Mutual Fund. I was into reading books and personal finance blog back then. It is also the time when SavingsPinay started. Out of curiosity I applied for a Save and […]

Thank you for the positive response on  this month’s SavingsPinay Series. Make sure to joining the SavingsPinay Facebook Group which would be very active in terms of giving budget, saving, productivity and entrepreneurship advice. Today we will be focusing on the Guide in Choosing the Right Mutual Fund to Invest With.  Now, choosing a mutual fund is like walking into a mall filled with stores that offer great choices, discounts and more. In […]

Mutual Funds are by far the most popular investment vehicles for newbies. It is affordable, it is convenient and it is regulated. But investing in mutual funds have bad and ugly sides too. It is important to note that every investment has loopholes just as how every investment contains risks.  On Day  3 we will be talking about the Five Things You Ought to Know about Mutual Fund. I will […]

Investing is one way that you could make money work for you and reverse the current of setup of you working for the money. It is a phase where you become proactive on where your money goes and how much it earns. Investing direct you to a better financial future giving you more control of your money and letting your money beat inflation. Over the past I’ve shared about the […]

Before October ended I had a privilege to be invited in Regina Online Investing’s relaunch. And to perfectly showcase Regina Online Investing’s objective of raising the bar, the event was highlighted by an Equestrian Cup held in Makati Polo Club.  Over a hundred of guests from financial personnel, financial bloggers and millennials from country’s top universities gathered to witness the equestrian show followed by the awarding ceremony and a moment […]

It is almost 25 days before Christmas and I still can’t believe that we are almost through the year 2015. I kind of feel a little nostalgic leaving 2015 just because I know I have goals set that wasn’t met. And who’s to blame, right?! MYSELF.  But I want to be very positive. Have you read my Sunday Post over my personal blog, IzzaGlino? It was my birthday post entitled I […]

Starting today I want to avoid becoming that person who just long for the weekend. I love my job but with all the work and the pressure I get these days when I just wish weekend will be nearer/closer.  Getting things done is my motorcycle. It makes me feel right whenever I know that I’m productive. And so my quest to a better time management is never over. I still search […]

Today’s post is dedicated to my 20-somethings SavingsPinay readers. I will impartinng some of the best Saving and Investing Tips that can make you take advantage of your age. I am a big believer that the 20’s are the best time to save money and to learn how to invest so I hope in this post you will find out helpful financial tips. The Need to Save and Invest Money […]

To start the week, we will be talking about 13th Month Pay in the Philippines. I hope as you read this post you already received your 13th month pay and who known maybe your company even give you a 14th, 15th and even 16th month pay. Lucky you. For those who, like me, still haven’t received their 13th Month then I don’t lose hope. Nagsisimula pa lang ang December. For […]

It was my first time attending a iBlog Blogging Summit and I am literally so blessed with the experienced. For the longest time I’ve been praying for a legit workshop/conference that I could attend to and will enhance my knowledge.  And not only have I found the perfect conference for me, as a matter of fact it is two days and it’s free. Before I start my post about my […]

  For about 8 months now I gathered people over my mailing list by providing the Make Your 2015 The Best Year Ever eBook. It’s the sign up message that pops up when yo go to SavingsPinay blog.  If you’ve sent your email address then it means you are part of the mailing list. You can also close the pop up message and continue reading the posts.  Now, I know […]

Still can’t believe it’s only 10 days left before Christmas. I haven’t even started making my holiday list. I know we all agree in saying that budgeting for the holiday season can be a daunting task.  Planning for Christmas parties here and there will also be a task that will get a big chunk of my time once December starts. And let’s not forger the long list of names for […]

The Business and Finance niche is very rich and it is nice to find a lot of women topping the charts too. Gone are the days when business and finance is a man’s world. I shared before how I started SavingsPinay. I got obsessed in reading personal finance book in National Bookstore. I read every page and got fascinated on how money works, how I can budget and save and […]

This will be the last SavingsPinay Series for 2015. I hope you did enjoy the inclusion of series posts in this blog where I choose a particular topic and dig dipper by focusing on one point at a time.  In case this is your first time visiting SavingsPinay then I would like to encourage you to join the SavingsPinay 12-Month Money Makeover Program. Its a program created exclusively to those […]

Have you joined the SavingsPinay Mailing List? I hope you did join because I opened a program for 2016 wherein I will send an article once a month of a particular financial topic straight to you inbox. Aside from that you’ll get more benefits with this program which is absolutely available for free. Click HERE to learn more information. Today is the Day 2 of our December SavingsPinay Series entitled […]

On the 3rd installment of our December SavingsPinay Series I will be sharing to you how I attempt to Live an Intentional Life in 2016.  Remember the questions I pointed on yesterday’s post? The one where I commanded you to answer honestly? For all of the five questions my answer is YES.  YES I don’t seem to find value anymore in what I do (talking about my day job here […]

Allow me to greet you a Merry Christmas and to thank you for being such a sweet reader of SavingsPinay. Thank you for spending time reading my each and every blog post published in this humble blog of mine. I wish that I inspired you in a way or two to take charge of your finances. With this short greeting allow me to say Thank You, Sorry and I Love […]

Welcome to another year-end post. Today I will be sharing publicly My Extra Income Report where I publish a highly detailed report how much I earn and how I earn through my side hustles. If you’ve been following my blog for long then you’ll know that I have a day job as a Technical Writer in a Makati IT Firm. I’ve been employed in a day job for almost two […]

It’s the time of the year again for me to share my 2016 Personal and Financial Goals. I reserve the update/review of last year’s goals in my Year-End Report post that will be up on Wednesday. Be sure to read that one, OK? As I share my Personal and Financial Goals allow me first to say to you my great plan to succeed and stick to my goals this 2016. […]

Since publishing my Merry Christmas From SavingsPinay post I’ve been creating a whole lot of year-end posts. I did the My Extra Income Year-End Post on Saturday and my Personal and Financial Goals for 2016 yesterday. I still have four more posts left before I can SavingsPinay can finally bid goodbye to 2015. Anyhow, today’s post I would want to come clean to you. I’ve always been thankful to the people who make this […]

I never expected for SavingsPinay to grew this big. Imagine we are now nearing a hundred thousand pageviews. On my first year blogging in SavingsPinay I received nearly 100 pageviews a month. I was actually on the verge of deleting my blog because I can’t see any improvement in the pageviews. The post So I Entered the Wrong BPI Pin Thrice revived my blog and gave a whole meaning to […]

This will be my last monthly recap for 2015. I am actually excited to start doing my recaps for the New Year. 2015 has been a great year for SavingsPinay and before revealing what had happened for the past month I decided to also include in this post my year-end review.  A Year in Review Personal: My 2015 Personal Goals is a mixture of success and failure. I wasn’t able […]

This year I decided to finally give the 52-Week Money Challenge a chance. I remember how everyone went crazy over this saving technique last 2014.  Thanks to KuripotPinay, many have finally acted on their saving goals. Some may find the technique a temporary solution. Others even bash the challenge because it means saving all year long just to spend it afterwards. Many on the other hand share the same sentiments […]

One of my goal/bucket list for this year is to travel. I’ve been saying this to myself and even to this blog for so long but it’s game time for 2016. And to help me plan better on how I will tackle each places to visit this year, the release of the legal holidays in the Philippines 2016 will be a great help. After much research I gathered all the […]

I’ve been into living a productive life in 2015. I discovered tools that gave great advantage in getting things done. Without these tools I knew last year will have a lesser success rate.  Below are 7 Productivity Tools That Worked for me in 2015. Google Calendar Google Calendar is by far a must have for every blogger. I use GCal to plan my contents in advance whether it would be […]

The start of the New Year offers great promise for everyone. We are all in the hope of a better life especially in the area of finances. As mentioned many times in this blog and other personal finance articles, INVESTING is one way you can make your money work for you. Once you invest your money you are actually purchasing a share on a company or an asset which will provide income […]

Last year I shared a DIY Spending Tracker. I was desperate to be on top of my finances and tracking my spending is such a brilliant idea. I know exactly where my money is going.  Though writing down how much money I spent in a day can be pretty time-consuming, I’ve grown to love the process. Hindi na ko nanghuhula kung saan napupunta yung pera ko. The daily log also made me […]

For the past years I’ve been receiving questions from SavingsPinay Readers straight in my inbox. With the sender’s nod I publish it live on the blog in the hope that other reader with the same question/inquiry can read my answer.  Today I’ll be answering a reader question that I received last January 3. If ever you too would like to ask a question then don’t hesitate to email me at I […]

This week we will have the very first SavingsPinay Series. This will be a four-day part with an overview on Day 5. I hope you will like the series of posts and it will help you prepare your finances for the New Year. Personal Finance covers a lot of topics about money. From budgeting, savings, spending, investing, retirement planning and more — they are all part of a bigger umbrella. […]

Welcome to Day 1 of our January SavingsPinay Series. If you missed the introduction then you can click this LINK or the post yesterday.  Financial Planning 101 is a great way to kick start the New Year right with your finances. You will be introduced to the importance knowing the what and ho of money. In the hope that the more you learn about money, the more you will be […]

Welcome to Day 2 of our January SavingsPinay Series. If you missed the Introductory Post of this series clink HERE. If you missed Day 1 click HERE. A quick message of appreciation first to those who have shown their support on Financial Planning 101 Series. Hope you’s share the series to your friends via Facebook or email. I also encourage you to comment below and share your opinions. It would […]

We are now on Day 3 of the Financial Planning 101 Series. Again thank you for the positive feedback and I really do hope that the information you read helps. READ: Introduction Post, DAY 1 and DAY 2. Day 3 is a massive list of Personal Finance Tips that Everyone Ought to Know. I’ve collected quiet a few advice, tips, strategies and so on that I believe will be of […]

This will be the last day of Financial Planning 101 but we still have tomorrow’s overview with free infographic to look forward. I hope you enjoyed the January SavingsPinay Series from Day 1, Day 2, Day 3.  One common mistake that people make in terms of managing their money is the lack of financial plan. Many overlook the importance of a solid financial plan jumping to small and big financial […]

Hooray for finishing January SavingsPinay Series! Thank you for spending your time reading the posts and supporting this blog. We have arrived finally on the overview of the series and at the end of this post I will be giving a free infographic on the A to Z of Personal Finance you can download and share to anyone.  Let’s a review for a second A financial plan starts from a […]

I am still in the whole Financial Planning 101 series with today’s post. I thought it will be nice to show you the personal finance books I’ve collected ever time. My love for books is evident on my personal blog, IzzaGlino when almost every week I try to include a blog-related post.  I have been fascinated to the topic of personal finance since I started SavingsPinay. Thus, I’ve accumulated a number of […]

It’s given that saving money is one of the fundamental step towards financial freedom. Nobody can be called financially free without his or her savings. Your savings could affect how you’ll achieve your goals, live your life and prepare for the future. So on today’s post we will be getting real with our SAVINGS.  How Much of Your Income Should You Save Every Month? Perhaps that question has been on your […]

It’s time to wrap up the highlights of the month through a quick post. Welcome to SavingsPinay’s January Quick Recap. We hit 100,000++ Pageviews.  Though it’s a little sad that we didn’t hit the goal before 2015 ends I still would like to extend my huge thank you for making my dream come true. We are now a hundred thousand pageviews in SavingsPinay!!! This means a lot especially to me […]

One of my favorite posts last year was about My Money Resolutions. It is just nice that I was able to write down once and for all the things that I want to resolve in terms of how I manage my money. As always writing things have a lot of benefit and I am happy to announce that almost all of my money resolutions were settled. I found the solutions […]

As I’ve mentioned both in my personal blog, IzzaGlino and here in SavingsPinay, traveling is one major thing that I am hoping to accomplish this 2016. I already posted the places I wanted to visit and thankfully this February I will be going to the first one, Pampanga.  When I put traveling as part of my 2016 bucket list I knew that it will be very costly. Actually money is […]

Talking about Sweldo here in the Philippines is just a big no-no. Ask someone how much they make in a month and for you’ll get “secret” as an answer. The success of My Year-End Extra Income Report is what made me want to go real with you on How Much I Really Make.  Now I want to give a big disclaimer here. I didn’t publish this post to offend anyone. […]

Today’s post will be my very first first impression for 2016. I didn’t expect that this kind of post will receive such a good response from all SavingsPinay Readers. My most viewed blog post of all time include reviews I created for particular investment vehicle like the BPI Savings/Protection Philam Life First Impression, PNB UITF First Impression and Security Bank UITF First Impression. As always, investing your money is one […]

Remember my iBlog 11 experience? I went to this amazing blogging conference last Decemer that I will never forget. It was a 2-day event filled with lessons about blogging and social media.  One of the sponsors during the event was GetGo Lifestyle by Cebu Pacific and they willingly gave away free rewards card membership to the attendees. I haven’t used the card yet but as a rewards-obsessed person that I […]

If you go over my personal blog IzzaGlino you know that I had my first ever hiking experience last last week. It was one proudest moment of my life. I reached the summit together with my hiking group that includes my high school classmate Jevy and her other mountaineer friends. My Mt. Manabu Day Hike Experience is memorable for me and today I want to give you a detailed guide […]

February 26 marks my 2nd year anniversary working in Makati. I can’t believe I will last this long in my current company considering how I easily used  to things. I lasted only 1-3 months in my firs two jobs before I finally settled in my current work. READ: My Life, My Job, My Career and 6 Things that Helped Me Succeed. Today I will try to celebrate my second year […]

February has been the worst month for SavingsPinay because I failed to blog everyday and I feel so guilty that I didn’t publish that much content. Anyhow we still have some highlights of the month so let me share to you a quick recap of how February went. We reached 109,000++ Pageviews. Whoo… last month we just reached 100k pageviews and now we are so near to 110,000!!! My goal for […]

If you’ve read my second year anniversary working in Makati post you’ll know that I am currently contemplating whether to stay or to leave my current job. I see 99 reasons to quit but there’s 1 reason that’s making me do otherwise. WiFun has been my second home already. I feel safe and sound when I am at the office and I even have days when I want to go […]

Budgets aren’t just done for nothing. It is the core foundation of a solid personal finance. A person who knows how to budget and commit to it will most likely be on the right track to financial freedom. Now what makes a budget successful? What elements should be involved or more so what shouldn’t be involved? In today’s post we will be focusing on the anatomy of a successful budget. A […]

Over the past blog posts I have shared how to be rich by spending less though a proper budget. Today I wanted to focus on how to be rich by making more money. Nowadays one can’t just rely on one source of income anymore. Making extra income isn’t just an option but a necessity to survive and to continue living with current lifestyle. Thankfully there are ways you can make extra […]

My biggest congratulations to Batch 2016 Graduates! In the next 1-3 years you will find yourself in the challenging journey of transitioning from university to work. I’ve been in that situation and still facing big financial and career decisions up until today. Funny how sometimes I want to go back to school when before I have always wanted to work in an office.  Now that I am on my second […]

Before 2015 ended I shared my Personal and Financial Goals in a blog post. You can also quickly go to the link at my SavingsPinay’s footer to read it. Now that it’s March already I thought it would be nice to share a breakdown of my financial goals. In this post I’ll also share the steps that I am doing and will be doing to achieve them all on or […]

This blog post is very timely especially since it is the marching period. I hope before reading the rest of this post you have already checked out my timeless tips for new graduates HERE and HERE. Today we will be talking about job search and specifically in the Philippines. From How to Find a Job, Job Search Engine That Works, Strategies That Will Make Search for a Job Fast and […]

I am so excited for today’s blog post because finally I will be covering an investment topic. All of us want to get rich one day and a step you can take to secure a better finances tomorrow is investing today.  But how can you invest with just 5,000 pesos? I chose the magic 5,000 pesos for a couple of reason. One, it is the easiest amount of money you […]

This post is long overdue. I have shared my travel diary almost a month ago and I am so sorry that I will only be revealing my itinerary and expenses today. March has been a very off and lazy month for the blogger in me. Again My Pampanga Travel Diary is live on IzzaGlino so if you are looking for what happened during my 2D+1N in Pampanga with side story on the […]

Lazada is one of the leading online shop in the country today. It put the online shop business in a whole new level by bringing convenience and reasonably-priced products to the community. Within months of their operation, Lazada became a go to website by a lot of local shoppers to look and to buy for items they need and want.  But aside from the variety of items you can buy […]

Things are becoming better for SavingsPinay in terms of posts. Yes I know it is half the goal of 20-22 posts a month but at least it is an improvement compared to February. There are also highlights for March that I am excited to share. Let’s start. 1. We reached 117,000++ Pageviews We surpassed our goal for March to reach 115,000 pageviws on SavingsPinay. Yehey!!! Now for April I will […]

The graduation season has begun and new graduates will face the early challenges of finding a job. And as many will introduce you to the idea of working for experience first, many will surely aspire jobs with high salary right?  Today’s career post will focus on industries/jobs that can guarantee competitive salary perfect for someone who’s wanting to provide a more solid financial foundation for the future. New graduates are […]

Aside from freelance writing, becoming a virtual assistant is another way you can have an additional income at the comfort of your home. It is an in demand opportunity since a lot of individuals and businesses need someone who can offer various services in an affordable and convenient way.  A virtual assistant is someone who offers administrative or personal assistance and work remotely (home-based) for various clients. Another definition of […]

About two years ago I posted a How I Balance Life and Work. Again, I admit that I am way far from achieving the ideal work-life balance.  I am trying hard to prioritize work but still enjoying life’s precious moments. For someone like me who’s a Jill of all Trades, Master of None, balancing work and life is an endless chase to be honest.  But its a process I enjoy. […]

Long time no first impression post. I miss doing this type of post because I know it could help others decide to invest. A good investment should be well-researched from advantages to disadvantages, ins and outs, etc. In today’s post I will be giving my first impression on BPI Investment Funds.   BPI is a very common bank here in the Philippines and has been my bank of choice for […]

It’s been a long time since I updated you guys about my FAMI-SALEF Mutual Fund Investment. Can’t even believe that its been two years already since I started my investing journey through FAMI Mutual Fund. Its a big financial move that I did at 19 and never regretted ever since.  A Back Story I invested in a FAMI-Save and Learn Equity Fund last January 2013. FAMI-SALEF is one of the […]

I have shared before in post about an easy and cheap day hike perfect for beginners at Mt. Manabu. This time I will be sharing a complete guide with itinerary and expenses on my second climb this year, Mt. Daraitan. And did I mention that this is not just an ordinary climb? We also had side trips at Tinipak River and Underground Cave. If you want an adventure and relaxation […]

The month of April passed by so quickly. Its funny yet terrifying to know that we are almost through the half of 2016. I still haven’t blogged that much for April because of procrastination and busy schedule but I am happy to announce that April has been the highest month for unique visits this year. I am extending my appreciation to everyone who continuously enjoy reading SavingsPinay. And so let’s begin […]

A friend once wondered why I’m so obsessed in so-called rewards card. He told me that in a broader sense, rewards card and/or customer loyalty program doesn’t really add value to the consumer but rather to the company itself. You buy to that brand and receive points but you can only that points to purchase the item on the same brand.  His point make sense right? I honestly thought hard about his […]

As always the online community is very generous when it comes to income-generating ideas and I am a living proof that you can really make extra money online. READ: My Year-End Extra Income Report Today’s post is a continuation on the series of articles that discuss how to make money online. If you want to learn how to make money on YouTube and many more continue to read the rest of […]

Hi everyone! As of this writing I am probably in the middle of voting for the next  Philippine leaders. This is my first time to vote and I honestly have mixed emotions. Are you a first-time voter too? Anyhow, I have a blog update, new posting schedule and quick announcement to make. Sounds great, yes?! Blog Update SavingsPinay has been active since 2013 and with over 350++ posts and counting […]

Last Monday I exercised my right to vote for the first time. I knew I wanted to make a blog post out of my voting experience I am just torn between publishing it over my personal blog, IzzaGlino or here at SavingsPinay. Well, since you’ve been reading it in the blog you know what my chose was, right?! The #Halalan2016 is the social-media election of the century. It trended in […]

Hi and welcome to the first installment of SavingsPinay Weekly Notes! I was inspired to create a weekly post that involves only links concerning personal finance and other money matters that are worth the click. I hope with these posts you’ll be more inspired to take charge of your finances. I’ve had such an amazing time searching and reading the posts I compiled in this Weekly Notes #01 | The […]

Monday is dedicated to personal posts here in SavingsPinay. I know how most of the time this blog get a little serious with all the financial terms and money matters we discuss. And so to lighten up everything I decided to dedicate a day of the week when I let you have a glimpse about me as an ordinary Pinay obsessed in personal finance.  Today’s post is all about the […]

Today’s post is another Installment of our How to Make Money Online series. If you miss the last two posts you can click HERE and HERE. The purpose of these type of articles is to show you how that there’s money online. As mentioned over the past money lessons we have, one source of income is not enough. We all need to hustle and make extra pesos to fund our […]

Finally I am launching and activating an exclusive Facebook Group to all SavingsPinay Readers!!! This Facebook Group/Community aims to gather people from all sorts of age, gender and location that’s interested in the world of Personal Finance. We will become friends and buddies as we deal in the day to day struggle of making, saving and investing money.  Click here to join The SavingsPinay Facebook Group is more of a […]

Hi and welcome to new SavingsPinay Weekly Notes. I wasn’t able to publish last week’s installment because I attended Blogapalooza 2016 and I had so much fun. You can click THIS LINK to read my experience. Anyhow without further ado I’d like to share to you the best posts I have searched and read and will surely be helpful in everyone’s personal finance life.Weekly Notes #02 | The Best of […]

I can’t believe that we are now half past 2016. I still have a lot to achieve on my goals but I’m very happy that most of the big rocks for this year have been already been done. The blog also had a lot going on for May and I love to give a quick recap on things here and there. Let’s begin. We reached 130,000++ Pageviews On last month’s […]

Today is a rather different blog post. I will be gathering the frequently asked questions in terms of saving money and give answer for each one. My goal is to give you a closer look into the world of saving whether you are a beginner or pro. I can tell you by experience that saving is a very tough act. It’s all about attitude, determination and financial discipline.  I know […]

I started SavingsPinay without any expectations at all. I was fresh out of college and adjusting on the professional world which means making a lot of financial decisions here and there. I thought it would be nice to start a blog that focuses on personal finance same with my then beauty blog, IzzaGlino. At first I was just sharing simple posts like How to Apply for BPI MS Travel Insurance […]

In today’s post I’m going to give you a primer on investing in the Philippines. Everyone has that big dream to become rich someday and live a comfortable life during the retirement years. Others want to achieve big goals like house and lot or own a business. These needs and wants can only be accomplished if you know how to invest your money wisely. If you want to learn more […]

Today were gonna break our new blog schedule to give way for a SavingsPinay Series. The last series I did ended last March and its June already so doing one is just rightful. About two years ago I was asked by a reader  What’s My View Regarding Networking and I enjoyed giving my views. You can read the complete POST HERE. Now we’ll be looking closer to the world of Multi […]

Welcome to Day 1 of June Series Multi-Level Marketing in the Philippines. If you missed the introduction then you can click this LINK or visit the post yesterday. Multi-Level Marketing is a strategy where in direct sales companies encourage distributors to recruit new distributors with the promise of percentage from each recruit’s sales. Day 1 is all about Multi-Level Marketing. In this post we will be defining what Networking/Multi-Level Marketing is, How it Works […]

Welcome to Day 2 of June Series Multi-Level Marketing in the Philippines. If you missed the introduction then you can click this LINK. If you missed Day 1 you click HERE or visit the post yesterday. Success in Networking is not an easy one. It takes a lot of hard work to become a Multi-Level Marketing master. A lot of people don’t understand that its not an instant cash for […]

Welcome to Day 3 of June Series Multi-Level Marketing in the Philippines. If you missed the introduction then you can click this LINK. If you missed Day 1 What is “Multi-Level Marketing” CLICK HERE. If you missed Day 2 How to Succeed in Networking CLICK HERE or visit the post yesterday. Is Multi-Level Marketing a Scam? That is the question we will be answering in today’s post. Networking received quiet […]

Hi and welcome to a New SavingsPinay Weekly Notes. As you may have noticed the theme of this blog had suddenly changed due to unexpected bug I suppose. The theme I was using didn’t show the Day 1 What is “Multi-Level Marketing” post I did for the June SavingsPinay Series. It was the first time that this happened to me so I was worried that my newer posts will also won’t […]

Hi everyone! I am so excited today to launch a new series here on the blog – SavingsPinay Guest Blogger of the Month.  Last week, Geli, a member of SavingsPinay Facebook Group commented the mutual fund she invests together with her husband. I  know most from the SavingsPinay community are intrigued by this investment product so I asked Geli to introduce to us the Philequity Dividend Yield Fund by giving a […]

Hi there!!! Two years ago I decided to create a Reader Survey to realign SavingsPinay to its goals and vision. I love how the result went and if you’ve been part of the 2014 SavingsPinay Reader Survey, thank you very much for taking time to answer. Before 2016 ends I wanted to do another Reader Survey to help create a better blog for you. I want to know what you […]

Hi there! I know, I know I’ve been gone for more than a week without a new SavingsPinay post. I got sick towards the last week of June and had to recover from high fever and body ache before I resume all my blog activities. No worries everything is back to normal and now I am ready to kick-off July with a new Weekly Notes. Notice another change in the […]

Today we will be discussing an important matter in everyone’s personal finance life, boosting our savings. For years I’ve been blogging here in SavingsPinay but I haven’t really discussed practical ways for people to save more.Whether you’re a beginner or already a pro in saving money I hope below ways will help you.  Spend Your Money Wisely You will never get ahead of your saving goals if you keep on […]

Its been a long time since I did a first impression about an investment vehicle here in SavingsPinay. Thanks to those who answered my 2016 SavingsPinay Reader Survey I am reminded that its one of the most liked topic on the blog. And so today we will be doing a Soldivo Mutual Fund Review for people who are curious about this rookie investment product and those who want to diversify […]

Today we will continue finding ways to earn extra income. This post is meant particularly for bloggers and content creators who are looking for potential passive income online. Google Adsense is a monetizing program from Google where you earn from ads relevant to your content. Whether you are a blogger, website owner or YouTube creator, Google Adsense is a wonderful tool to earn through the traffic you get. If you […]

The 2016 SavingsPinay Reader Survey reveals that 99% of people who visit and read this blog are Women specifically Pinays. This revelation helped me to realize that I need to create more posts that involve women empowerment in the area of finances. I need to add valuable posts that encourage women to save, budget, invest, start a business or do some career advancement. PS. If you haven’t participated in the […]

My eldest sister once asked me whether I’ll be willing to work abroad. I can’t remember the exact answer I gave her but I believe I said no. That time being an Overseas Filipino Worker is so far from what I imagine my career would be. I’m scared of being away with my family for so long. I also feel like I am still young to give up on the […]

Thanks to our HR in the office I found out that Pag-IBIG introduced a Loyalty Card for its members. The card works as a valid ID and Loyalty card in one which is amazing. It also features special discounts and rewards for all Pag-IBIG Members. Today’s post will let your know more about this loyalty card from Pag-IBIG. Membership Fee The Pag-IBIG Fund Loyalty Card is available for 100pesos as […]

Hello everyone! Today’s post is meant for all the money savvy Pinay readers of this blog. I am glad that you’ve found last week’s Best Money Moves for Pinays helpful. Rest assured that I won’t stop to empower women in the area finances. Today I am sharing a list of Must Try Side Business Ideas for Pinay Entrepreneurs about. These income-generating activities can be done part-time for when you have extra […]

Dave Ramsey is a big name in the world of personal finance. He is a National best-selling author of financial books. His website produce blogs, classes, live events and tools that will help you financially independent. His focus has been debt-management, budget, saving and retirement.  I learned about Dave Ramsey from reading financial blogs online. One of his most notable work is the Total Money Makeover. Today I thought it […]

Its officially the last day of July. Its kind of scary how fast 2016 is passing by. In just a snap we’ll be bidding goodbye to the current year and say hello to new year. There’s nothing much going on for me and on this blog for July but I still want to honor the tradition and give you a nice quick recap. Let’s’ begin. We reached 146,000++ Pageviews It […]

Last June I created the Frequently Asked Questions on Saving Money post. I am happy with the positive response that post is receiving. Today I wanted to created another collection of question and answer but this time focusing on Budgeting. The goal is again give you a closer look on how you should budget your money whether as a beginner or pro.  Budget remains as the fundamental lesson in personal […]

It is less than five months before 2016 ends and I can honestly feel the pressure. Am I the only one who feel like the year flew by too quickly? Aside from the excitement of the coming -ber months I am also extremely pumped up to get my finances back in order just before 2016 ends. I’ve put a lot of small and big financial goals that I want to […]

Here’s a new first impression on a investment vehicle as a guide to first-time investors and those who are looking for diversification. Today we will be talking about ATR Em King Mutual Fund by ATR KimEng Asset Management.  Quick Review Mutual Fund is a perfect investment vehicle for beginners. It is an indirect stock investing wherein you let the trusted financial manager handle your investments. You own shares on the […]

Hi again and welcome to another Weekly Notes in SavingsPinay where I gather the best personal finance tips and must-reads you can soak in for the weekend. Let’ widen our financial knowledge one link at a time, shall we? I hope you’ll enjoy this week’s Weekly Notes #05 | The Best of Personal Finance Tips and Must-Reads. But first… Did you see the “Photo Story” I did to Pinoys Guide to […]

Cheers to another Pinay-focused blog post here on the blog. If you enjoy reading Best Money Moves for Pinays and Must Try Business Ideas for Pinay Entrepreneur then I hope you’ll find today’s post amusing too. Today we will be discussing How to Save Money as a Single Pinay. Being single presents some positive vibes financially. Less financial responsibilities, less money issues that need to be discussed and less stress budgeting for […]

I have been working for the past three years and to be honest I feel like nothing is happening to me — financially. Yes, my investment is there and yes, I have means to get extra money but savings-wise I am doomed. Its so hard to save money. I think about money all the time. Whether about post ideas on SavingsPinay or my personal financial goals and next actions. I […]

Hooray for another extra income idea blog post here on SavingsPinay. I am calling bloggers and digital content creators I know to maximize the potential of their site through the fastest growing online travel e-commerce company in the Philippines, If you are interested on how to make money with TravelBook Affiliate Program then this post is for you. About I first encountered during the iBlog: The 11th Philippine Blogging […]

I don’t settle for mediocrity. I hate to live my life as an average. That’s the reason why I constantly seek for personal success whether through new goals achieved, new habits gained, new books finished, new tasks done etc. I love developing myself personally and professionally by investing in myself. So I thought it would be nice to share the 7 Ways You Can Invest in Yourself Too. Its time to […]

Hi everyone! Happy Sunday to you all. Today’s post is an announcement in cooperation with the people behind COL’s 2016 Wealth Building Summit for the Filipino Investor. This year we encourage you to Build Wealth the Smart Way by joining this free summit. Read the rest of the details on the Official Media Press Release they sent: The Philippines’ most trusted online stockbroker, COL Financial, and the largest Filipino conglomerate, SM […]

SavingsPinay remains as a personal finance blog of a common Pinay. With that being said I have shared to you with all honest my confessions as a personal finance blogger. I am not perfect when it comes to handling my finances. And just like you I am struggling to get my finances in order before 2016 ends. But I never lose hope. I hustle a lot this past weeks because my […]

One of the many ways you can invest in yourself is to learn a new skill. And there are different courses online and offline that allows you to expand your knowledge and/or be better in a specific course. Technical Education and Skills Development Authority (TESDA) offers the best and cheapest short courses for Filipinos who wants to gain training certificate and start earning extra money. I hope you find this post […]

I have one the best weekend ever at Caramoan Island thanks to If you follow me on Instagram you’ll know that I was chosen to be part of the TravelBook’s Blogger Getaway Contest. It was my first time to join a blogger contest and I fortunately won! SavingsPinay is a personal finance blog but I had few travel itineraries and budget as well as ultimate guides post published already. […]

My whole Caramoan Island experience was insane. I still can’t believe I spent a weekend away from home and into the paradise of Bicol Region. It is definitely one of the (many) highlights of my 2016. And now I am super excited to create another A Look Back at 2015 post but this time wrapping up the current year. Going to Caramoan is something I never imagined. It’s the first […]

I feel like my whole Caramoan trip opened this side of myself that loves traveling. I have hiked to mountains and got to experience a day in Pampanga and Tagaytay but have never really put much attention into the whole  me going places. After that trip I asked myself “where to next, Izza?”. As a newbie wanderer, I am constantly checking Pinterest and other travel blogs for insider tips as I would want to embrace my love for […]

  I finally got my NSO Birth Certificate!!!     I was planning to get my passport this September and based on my research I will be needing my birth certificate as a requirement.     I was about to ask my mother to apply my birth certificate for me but I was surprised of how fast and easy getting your birth certificate is nowadays.     For busy people […]

We all want to save money but not all of us is ready to commit to what it takes to succeed in create a money cushion. I’ve been building my emergency fund since forever and up until today I am still miles away from my target. But I am not giving up and you too should not. Today I’ll share to you the one thing you can do today to […]

I’ve been loyal to National Bookstore for a while now and applying for their loyalty rewards card is something I had no regrets doing. I earn points for each purchase I make which will become e-purse to pay for my next item if I wanted. It is actually one of the many rewards card I have that I really use and I never leave my house without.  What is “Laking […]

Here on SavingsPinay I encourage everyone not to be satisfied with just one source of income. Side jobs and other ways to earn extra cash are a must whether its online or offline, part-time or full-time etc.  Last December I did my very first Year-End Extra Income Report and it makes me happy to realize that the I’ve used my spare time well. From doing freelance content writing to actual event management […]

Blogging had ultimately changed my life for the better. I am so thankful and blessed that I discovered this early. Having a blog allowed me to get my creative juices flowing. It made me learn a lot of new things about myself. It opened opportunities for me to meet people and work with others who have the same passion. It also gave me an idea that earning extra income online […]

Let’s admit it, “INVESTING” is such a foreign word for Pinoys. A lot of Filipinos are afraid of the word “investment” thinking its a scam, networking or tactic to lure people and lose their money. But investing doesn’t have to be complicated. It’s just a necessary move that every Pinoy ought to learn and take. If you have zero idea How to Invest in the Philippines or already an Investor but would […]

Hi everyone! Today we have an amazing article from our SavingsPinay Guest Blogger of the Month.  Last week I received an inquiry from Kyle Kam whether I’ll be happy to feature his post on SavingsPinay. I happily agreed knowing how this could add value to our readers. I have heard about for sometime now and it’s an honor that someone from the brand noticed the blog. Kyle will give […]

Am I the only one excited for Friday pay day?! I bet most of us are looking forward to this also. Today as a precaution for everyone I decided to create a post as to where does your income go. Here you’ll find necessary guidelines and general tips on how your income should be distributed. Before reading the rest of the post I recommend checking the following related links: All […]

I must say that September turned out to be a great month for the blog and my finances. I had a number of events and was able to hit my highest pageviews so far. To spice up  a little I decided to add an “Income Report” on my Monthly Quick Recap. This income report is devoted solely on my side hustles or the things I do outside my day job. […]

Today I declare my choice to become a financially independent Pinay. I want to empower myself to learn, earn, save, invest and give on my own without dependence to my parents, any family members, friends, boyfriend (well I don’t have one), partner or debt. I want a full control on where and how I spend my hard earned money without the need to ask permission to someone (or anyone). I […]

The holiday season is not just for celebrations but also a great time to earn some cash. There are plenty business ideas you can start with zero to low starting capital and even at the comfort of your own home. Here are 5 business ideas to start and make money from this -ber month in the Philippines.  1. Puto Bumbong and Bibingka Business Both Puto Bumbong and Bibingka are staple […]

Getting out of debt is one of the best financial move you can do in your life. It promotes financial peace and security, more money to spend without guilt and improves your ability to save and invest. One thing I will be forever thankful for to my parents is how they never ever let us go in debt. We never experienced going to the neighbor asking for money or things […]

Hi again and welcome to another Weekly Notes in SavingsPinay where I gather the best personal finance tips and must-reads you can soak in for the weekend. Let’ widen our financial knowledge one link at a time, shall we? I hope you’ll enjoy this week’s Weekly Notes #06 | The Best of Personal Finance Tips and Must-Reads. But first… Did you attend the 2016 SMart Investing – COL’s 2016 Wealth Building […]

I got asked a lot on how I started hosting  in the Philippines. Becoming an event emcee is an example of side hustle I do since 2011. It became my number 1 source of extra income and I can never be more thankful to God for giving me the hosting skills necessary to succeed in the event planning and management field. Today I’d like to share to you how I […]

Last week I shared to you my goal of becoming a financially independent Pinay. How I want to live a life where I am entitled to more than I can actually afford. That I want to live a life where I can pursue a career of my choice and still get a grip on my finances. And that I want to live a life where I can easily give and […]

Last update April 26, 2017 This post will reveal the 13 Things I Do To Improve My Finances. When I started this blog my goal was to only share my personal financial journey. I never thought that my posts would inspire others to create their own journey to financial freedom as well. Thank you for considering SavingsPinay as a resource blog for tips and information on budget, savings, investment, entrepreneurship, career […]

Hi everyone! Today is yet another SavingsPinay Monthly Quick Recap. I know nakakabigla. It feels like yesterday when I did my September Quick Recap + Extra Income Report and now we’re already done with October.  As mentioned in my previous recap I will be publishing my Monthly Extra Income Report. This income report is devoted solely on my side hustles or the things I do outside my day job. I […]

Last October 15 I got invited to attend the “Female Network Let’s Talk about Financial Freedom” event. It was an afternoon filled with wisdom in the area of personal finance. One particular question that left me hanging was raised by Ms. Patty Aguirre of Integra Financials, one of our speakers during the forum. She asked this question to us, “How Do You Picture Your Retirement Age?”   Retirement is a […]

Two years ago I opened my BPI Direct Save-Up plus Insurance account to kick-start my emergency fund. I have featured it in a first impression review as soon as I received my Info Card in February 2014 and a blog update in October 2014. Just like the others I got really excited with the word “insurance” alongside this particular savings account from BPI. I believe everyone would love to save […]

Hi everyone! Today we have an amazing article from our SavingsPinay Guest Blogger of the Month.  Two weeks ago I received an excellent article from John Sulit that I know most of SavingsPinay readers will enjoy. Now that we are in the last month of the current year it is recommended to take time and reflect on our spending habits once and for all. This article sent by John from iMoney […]

It’s time to do another SavingsPinay Monthly Quick Recap. Just like the past two months I’ll be including an Extra Income Report devoted solely on the side hustles I do. I hope doing this will inspire you to make money on the side too. November flew by too quickly and I feel embarrassed for publishing only two posts. I was experiencing some kind of blogger’s block for the past month and […]

It’s the time of the year again when 13th month is here.   You may have a list of ideas on how you’re going to spend it but hinay-hinay lang kapatid.   There’s nothing wrong in buying your wants with your extra cash but if you want a change then you might want to think again and become a wise spender.   Here are 9 smart ways you can spend […]

2016 has been such an amazing year for SavingsPinay. I am so thankful for the opportunities that opened through this blog. This is also the same year that I hit my biggest monthly pageviews, I invested in a domain, I revamped the whole look and feel of the blog and I started to take this blog more seriously.   After a total of 110 posts for 2016 I am now […]

Today is the last monthly recap for 2016. It’s been a habit of mine to do recaps every month on the different milestones that SavingsPinay achieved. This is also a good way for me to get ready for the next month or on this case the New Year. 2016 marked a lot of progress and accomplishments for this humble personal finance blog of mine. I don’t even know where to start. I […]

For 2017 I am doing the Level 10 Life Goals wherein I had 10 areas of my life where I want to achieve my highest potential with. For each category I’ve written 10 goals then every end of the month I will rate my self from 1-10, 10 being the highest.   My categories include Personal Development, Habits & Routines, Family & Friends, Spiritual, Health & Fitness, Bucket List, Career […]

This week I promise to be back on my usual blog routine. I’ve been in and out of the blogsphere since the holiday season and I’m so sorry for the lack of posts especially here on SavingsPinay. I have a ton of pending items I need to attend to from personal stuff to work related matters. But now I’m back and ready to share personal tips from budget, saving, spending, investment […]

Basic Information Table of Contents Basic InformationBelow is our Itinerary + ExpensesOur ItineraryBudgetOverall Hiking ExperienceHow to Go to Mt. Talamitam Jump-OffFrom Bicutan, Sucat, Alabang to Sitio Bayabasan Nasugbu, BatangasThings to Bring on Your Mt. Talamitam HikeFinal Notes from SavingsPinayJoin the mailing list and receive FREE access to the SavingsPinay Resource Library today!Share your hiking experience below! Name: Mt. Talamitam Location: Sitio Bayabasan Baragay Aga Nasugbu, Batangas Jump Off: Sitio Bayabasan […]

Whenever I mention that I invest in stock market people around me will feel amazed. They start asking how stock investing works and how they can start their own journey as an investor. I used to feel overwhelmed when people ask me about investing in stocks. I became an investor at 19 years without any formal education or knowledge on how the stack market works. But it was one impulsive decision […]

Today’s blog post has been a long time coming. I wanted to create a comprehensive post about Personal Equity and Retirement Account or PERA because I  know that it could benefit a lot of SavingsPinay readers.   I first heard about PERA through Sir Fitz of Ready to be Rich. Reading his blog post is a good primer to know the facts about PERA. After 8 years, PERA is now […]

It’s been a long time since I featured a reader question here in SavingsPinay blog. I love receiving questions from you guys because it makes me feel how much you trust SavingsPinay as a personal finance resource. I stopped featuring questions on the blog since I built the SavingsPinay Facebook Group so that members will have a private venue to ask financial matters and me along with the supportive community […]

Baguio!!! Finally after so many years I was able to check off Baguio on my Bucket List. Last March 7 to 10, I went on a relaxing Baguio 4 Days + 3 Nights vacation. This trip was actually unplanned but I the best much needed break after all. If you are also planning for a Baguio getaway whether a day trip, overnight or week long just like mine then this […]

I’m finally investing in stocks!!! Last March 24 I made a major financial decision of pursuing my direct stock market investment in the Philippines. I have always wanted to know how stock trading works and finally I can now learn from experience. Investing in stocks is one sure way you can build a strong financial foundation and enable yourself to earn passive income. But of course make sure you have […]

Today I will be sharing how to open a First Metro Sec Online stock trading account. This is solely based on my personal experience opening an account last March 24, 2017. Investing in stocks has been part of my goals for years and finally I was able to overcome my fears and open an investment account in the Philippine stock market.   If you’re new to investing and want to […]

Hi again and welcome to another Weekly Notes in SavingsPinay where I gather the best personal finance tips and must reads you can soak in for the weekend. Let’s widen our financial knowledge one link at a time, shall we? I hope you’ll enjoy this week’s Weekly Notes #07 | The Best of Personal Finance Tips and Must-Reads. But first… Table of Contents But first…Do you miss my Monthly Quick Recaps […]

Just like a regular bucket list, a financial bucket list serves as a collection of achievements you wish to accomplish in the area of finances during your lifetime. These are meant for long-term and may include a series of next actions to be crossed out to achieve before you die.   Have you ever done a financial bucket list for yourself? I have shared a series of financial must-do’s and […]

Getting the new and improved Postal ID in the Philippines is now easier and simpler more than ever. All you need are two specific requirements and a personal appearance in any of the 260 capturing sites near you. If you are like me who wants to have additional valid ID for claiming purposes or as requirement for other valid ID then this post is for you.    The New Improved Postal […]

Are you ready to start a blog this 2017? If yes then this 2017 Guide on How To Start a Blog will be your best friend. Starting a blog is one of the best decision I have ever made in my life. To date I’ve been a blogger for four years and counting. I went to hiatus a couple of times because of hectic schedule at work and event business, but […]

Hi! Welcome to My April 2017 Recap and Extra Income Report. This is a newer version of the previous Monthly Quick Recaps I started way back in  My recap and extra income report before were very shallow and focus only on the highlights of my month. This 2017 version will be different. I want to go in-depth on what I did for the past month to earn extra income while […]

Last update May 2017 Table of Contents Last update May 2017 Lesson #1. Live within your means Lesson #2. Pay yourself first Lesson #3. Expand your financial knowledge Lesson #4. Every piso counts Lesson #5. Set Financial Goals Lesson #6. Invest Early, Invest Now! Lesson #7. Diversify Lesson #8. Plan Lesson #9. Splurge intelligently Lesson #10. Learn to Give Back Volunteer Share your talent Tithe  Final Notes from SavingsPinay Join […]

Hi and welcome to another installment of SavingsPinay Weekly Notes! I was inspired to create a weekly post that involves only links concerning personal finance and other money matters that are worth the click. I hope with these posts you’ll be more inspired to take charge of your finances. I’ve had such an amazing time searching and reading the posts I compiled in this Weekly Notes #08 | The Best […]

Hi everyone and welcome to another Reader Question Post. I now do this kind of post once or twice a month to give way to inquiries I receive on my personal Facebook account, the SavingsPinay Community and through email at I do encourage you to send any budget, savings, investment or making extra income question you may have so I can answer through a blog post. Last month’s reader […]

The title of this post is inspired by an Elite Daily article entitled If You Have Savings In Your 20s, You’re Doing Something Wrong. Here’s what I believe in: If You Are Living On One Income, You’re Doing It Wrong. Everyone needs a hobby, a side hustle or a passion for profit project to do to be able to stay balanced. Depending on just one source of income, like a […]

Hi! Welcome to my May 2017 Recap and Extra Income Report. In case you are new to here, just last month I started sharing a detailed recap of my finances and a comprehensive report of my extra income streams. I received positive response in doing a better version of monthly recap. I hope by doing this I inspire you to stop living on one income and start earning extra through […]

Today I’m doing a Mid-Year Financial Review for 2017! And I’m sharing it all to you. For me, June is the perfect month to reflect and to look back on how the first six months of the New Year went in the area of finances. I mainly focus in checking the progress and necessary adjustments I can do with the following: My 2017 Financial Goals My Current Spending Habits My […]

Hi and welcome to the first installment of SavingsPinay Weekly Notes! I was inspired to create a weekly post that in volves only links concerning personal finance and other money matters that are worth the click. I hope with these posts you’ll be more inspired to take charge of your finances. I’ve had such an amazing time searching and reading the posts I compiled in this Weekly Notes #09 | […]

Cropital, PhilCrowd and FarmOn rose to fame late last year as alternative investment vehicles. How it works is simple. Your investment will be pooled together with the others and be used as capital for local farmers. After the harvest and selling of produced goods, you’ll get your share of profits. Easy right? I discovered about crowd-funding and profit-sharing startups Cropital, PhilCrowd and FarmOn during a random night out with my high […]

 The 50-20-30 Budget Rule was one of the very first financial lesson I shared on SavingsPinay. It is one of the simplest and the easiest budget technique you can use to decide what percentage of your income goes to expenses, savings or others. Instead of budgeting your income to 20 or more categories right away, you are encouraged to focus on three main categories: essential expenses, financial goals and lifestyle […]

Hi and welcome to my June 2017 recap and extra income report while working full-time! Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire others to start side hustling too. June has been the busiest month for me in terms of making extra income while working in a 9-to-5 job. From […]

Today we will be talking about the 10 Best Examples of Networking Scam in the Philippines and How To Avoid Them. In year 2012-2015, networking multi-level marketing was the business to be. I remember getting invited to attend seminars and meetings at Starbucks, encouraging me to invest and become a distributor. Socail Media was surrounded by memes and jokes mocking those who are part of the Philippine networking business. Distributors and […]

Today I will teach you how to save money each month. And this post is highly dedicated to those who are just beginning to take a serious look at their financial life.  There’s no mistake that learning how to save money each month is one of the fundamental step towards financial freedom. Related : The 10 Most Important Lessons in Personal Finance Your savings could affect how you live your […]

Looking for best side hustles to start with a your full time job this 2017? Ever wonder how you can make extra income in the Philippines? This post will give you the many different ways you can make money on the side with a full time job. Let’s begin. Side hustling isn’t a new topic here in SavingsPinay. I’ve talked about how making extra income on the side transformed my […]

Hi and welcome to another installment of SavingsPinay Weekly Notes! I was inspired to create a weekly post that involves only links concerning personal finance and other money matters that are worth the click. I hope with these posts you’ll be more inspired to take charge of your finances. I’ve had such an amazing time searching and reading the posts I compiled in this Weekly Notes #10 | The Best […]

Today I’d like to introduce you to a 24-year old marino who started investing in stocks. This will also serve as first of many interviews I’ll be doing on ordinary people who has helpful and inspirational stories when it comes to personal finance, investment and making extra income. Romer Navarro was a former high school classmate of mine at Dr. Arcadio Santos National High School – Parañaque. Just last week he […]

Hi and welcome to my July recap and extra income report while working full-time! Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire others to start side hustling too. I consider July as a continuation of the good works I did in June. Although there was a little emotional struggle towards […]

Today I will be revealing the smart money moves to do in your 20s if you want to build wealth fast! I have always viewed 20s as the perfect age to get rich. Not only are you more active and motivated to succeed, but you also have a ton of opportunities to earn more, save better and spend less than the others. It all boils down to one important question: […]

If you ask me what the perfect investment for beginners is, I’ll definitely answer – Mutual Fund. At 19, I had a mutual fund and kept investing in it as little as 1500pesos every month. I treated my mutual fund as a retirement account, money I am saving for my(future)self. Over the years I’ve received a number of questions about investing in mutual fund in Philippines. So today I decided […]

I will often get asked through email or private message on Facebook about the essentials, tools, resources I use, follow and rely the most. And so I decided to create a dedicated page where I can include my top recommendations. Disclaimer: You will find affiliate links below, but these are products and services I swear by in my years of blogging and hustling online. I won’t include anything on this […]

Hi and welcome to the first installment of SavingsPinay Weekly Notes! I was inspired to create a weekly post that involves only links concerning personal finance and other money matters that are worth the click. I hope with these posts you’ll be more inspired to take charge of your finances. I’ve had such an amazing time searching and reading the posts I compiled in this Weekly Notes #11 | The […]

Hi and welcome to my August 2017 recap and extra income report while working full-time! Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire others to start side hustling too. August is such a good month for my blog and freelance content writing services. I can’t even wait to share what […]

Today we will talk about the scary four-letter word DEBT specifically on How To Get Rid of Debt and Reclaim Your Finances. I rarely talk about debt here on the blog. I am pretty much blessed to have hard-working parents. Both my mother and father worked hard to sustain our needs. We are not rich but my parents inculcate the best financial habits to us. I and my siblings have never experienced […]

Becoming a freelance content writer in the Philippines, is a good example of a work at home job anyone can easily start. I started content writing for others online back when I was still in college and it did helped me make extra income on the side. I will say yes to any freelance writing gigs that come on my way. I spent hours searching for a job, sending my […]

For sure this is not the first time you encountered the word emergency fund.   Financial experts agree that building an emergency fund is crucial to grow wealth and achieve financial freedom. If you are reading this post because you want to build an emergency fund for your own, good for you!   You are now one step closer in building a strong financial framework for life.   An emergency […]

Do you want to invest in the stock market too? Are you a newbie when it comes to investing in stocks? On today’s blog post I will narrate how my first six months investing in Philippine stock market went. I’m also going to share about my first investment portfolio and tips for beginners when it comes to investing stocks.   In January 2014, I withdrew my last paycheck and opened […]

Hi and welcome to my September 2017 recap and extra income report while working full-time!   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   This September I didn’t make that much money but I am so proud of the progress I made on […]

Honestly, I had no idea it is possible to make money blogging. I started this blog in 2013 to keep track of my journey to financial freedom. Never have I thought it would to turn into a helpful blog for others in learning:   How to live with a  budget How to save money fast How to invest in the Philippines How to retire young and How to make extra […]

Today we will all learn how online farming works as told by a real investor herself, Geli.   This post is part of a series I introduced last August where I interview ordinary people who has helpful and inspirational stories when it comes to personal finance, investment and making extra income.   You all remember Romer, a young marino who is doing extremely well investing in the Philippine stock market. […]

Money mistakes are everywhere. I have my own share of shortcomings especially back when I was just beginning my journey to financial freedom.   You all know that I used to be an over spender. I live way above my means and will still need the financial support of my parents for my food and travel expenses to survive until the next paycheck comes.   Because I was such in […]

Start a side hustle today and you will never have to worry about tomorrow. I talk a lot about extra income here in SavingsPinay. I am a hustler myself, and I’ve done different things to make some money while I was still a college student and even now that I already have a full-time job.   Hustling part-time changed my life for the better. It helped me accomplish the following: […]

Hi and welcome to my October 2017 recap and extra income report while working full-time!   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   Just like last month I didn’t make any money from my extra income projects. Most of my focus for […]

The are two great days in a person’s life – the day we are born and the day we discover why [William Barclay] Table of Contents The are two great days in a person’s life – the day we are born and the day we discover why [William Barclay]Download the Fix Your Finances Checklist today!1. Never get too comfortable2. Get outside, experience lifeIf you have any travel plans before the […]

A travel fund is money saved completely to cover both major and minor expenses your next travel might cost.   There are three major reasons you need to establish your own travel fund:   1. To prepare you financially; 2. To eliminate the feeling of guilt and 3. To serve as  backup for any unexpected expenses.   To travel on a budget is pure hard work.   There is a […]

I am a big fan of Peso Sense  Facebook Page, specifically the #IponChallenge stories and testimonies the page shares.   I enjoy browsing and reading through real accounts of people who have succeeded in their saving goal through dedication and commitment.   Now that New Year is fast approaching I know most of you are pondering upon your 2018 goals and resolutions. Most of the time, to save an x […]

Hi and welcome to my November 2017 recap and extra income report while working full-time!   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   November is my birth month so my sole focus has been celebrating!  I still didn’t make that much extra […]

Last Update December 27, 2017 Table of Contents Last Update December 27, 2017First, you have zero control over your portfolio.Second, fees and expenses.Lastly, lower risk may mean lower gainsWhat is mutual fund?Why you Should Invest in Mutual Fund?1. Low Initial Investment2. DiversificationWhat are the Different Types of Mutual Funds?Is Mutual Fund for You?It is for you if you have no trust issuesIt is for you if you are for long-term […]

This post is my year-end review on life, goals, finances and more for 2017.   Consider this as a quick overview on how the past 365 days went for me, financially and how I’m planning my money in 2018 to be. I’ve done this kind of post every single year since starting SavingsPinay. You can read and open in new tab my 2014, 2015 and 2016 year-end review if you want. […]

Today we have an inspiring story from a young mompreneur who prove that starting a business is for everyone!   This post is part of a series I introduced last August where I interview ordinary people who has helpful and inspirational stories when it comes to personal finance, investment and making extra income.   You all remember Romer, a young marino who is doing extremely well investing in the Philippine […]

Are you interested to make money with Google Adsense? Read below to know how I got my first Google Adsense payment and how I grew my blog!   In the past year I have managed to grow my Google Adsense earnings from $2/month to roughly $16/month.   700% increase!   I have seen more growth in the past 12 months than I’d experienced since inception of SavingsPinay.   After I […]

How to invest in FarmOn is a very interesting topic for me.   I got introduced to the idea of online farming one night while talking with my high school barkada.   We were out and about in coffee shop when one friend asked me if I know about this new investment called online farming.   Online farming is my third investment vehicle to date. Just like what Sir Warren […]

Hi and welcome to my first ever recap and extra income report while working full-time for 2018! January 2018 Recap and Extra Income Report.   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   January 2018 is the start of a new year. It […]

In today’s quick post we’ll dive into the topic of where to best invest your money this 2018.   The start of the New Year offers great promise for everyone. We are all in the hope of a better life especially in the area of finances.   I received a couple of questions from readers, colleagues and friends as to where they can best invest this 2018.   Some had […]

As someone who has done various ways to make extra money while working full time, I know first-hand the difference it could make.   The extra money I make while working full time helped me:   Boost my savings; Increase my investments; Reinvest in my passion projects and Make extra money for shopping, paying bills or vacation   Here in SavingsPinay, I encourage everyone not to be satisfied with just […]

There are plenty of blogs to read if you want to save, invest and be debt free this year.   And I urge you read more.   Here’s a random fact about me:   I dedicate an hour every day reading other people’s blogs.   This blog, SavingsPinay was founded by reading other Pinay financial bloggers and it grew rapidly since then.   It is a non-stop learning for me. […]

According to this January 2017 news report, over 41 percent of older millennials, aged 24 to 35, predicted that they won’t be “financially secure enough to retire until they are older than 65,”   This survey result is heartbreaking.   As someone who has immense passion in improving other’s finances, I know for a fact that 24 to 35 is the best age to prepare yourself for retirement.   The […]

Hi and welcome to a new recap and extra income report while working full-time, February 2018 Recap + Extra Income Report.   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   February 2018 is just an “okay” month in general. Nothing big happened this […]

This 2018, I’m opening up the sidebar of my blog, for advertisers. If you are a brand, business or a blog and want to get noticed through guaranteed referred traffic, you can email me at or simply fill out this form.   Why advertise with SavingsPinay? Table of Contents Why advertise with SavingsPinay?How to advertise with SavingsPinay?PACKAGESWant to advertise with SavingsPinay but not through Banner Advertising?HERE’S MY 2018 […]

We all have our travel goals in life.   On top of my mind would probably be South Korea. Locally, of course, Palawan where I dream of celebrating my birthday this year.   To travel is such a great goal, and something that could give a lifetime worth of happiness and memories especially when shared with the people you love.   Once I asked my Papa what his desires in life […]

2017 was such a great year for me and my finances.   It was the year I took risks, I diversified, and I got serious in building my assets.   Although I lost my job, I gained a new one and it is closer to what I am passionate about.   It has been a remarkable year for all of my passion projects as well especially, blog. I finally received […]

  Today I will give you a behind the scene on how I organize my finances.   When I was finding new ideas for a blog post I saw a thread called “Create Your Own Money Map”.   The rule goes like this:   1. Write a post in which you create your own map, explain how you did it, and talk about anything you discovered about your finances using […]

Hi and welcome to a new recap and extra income report while working full-time, March 2018 Recap + Extra Income Report.   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   March 2018 is the month I spend almost all of my Extra Income Fund. […]

The stock market is dropping.   And it seems like it will continue to fluctuate for the rest of the second quarter of 2018.   Scary, isn’t it?   Every single day my co-workers will express their anger and regret for the market value of their current investment is on a negative.   And I can honestly sympathize with that.   I had my fair share of red marks on […]

This article is Part 3 of Blogging for Beginners series. Here’s Part 1 and Part 2.   Blogging for beginners is such a wide topic and condensing all the information, ideas, stories and answers I have will probably result to a 10,000-word blog post.   I also like the idea of dissecting a particular topic into smaller topics that targets those who have not yet created or started a blog […]

Today in this post only, I gathered the most common questions people ask on how to save money.   If you are aiming to finally be able to kickstart your savings, this is the very post you need to read. It includes everything you should know about saving money.   According to a Bangko Sentral ng Pilipinas survey reported by ABS-CBN in 2014, only 1 in 4 Filipino households has […]

Hi and welcome to a new recap and extra income report while working full-time, April 2018 Recap + Extra Income Report.   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   April 2018 went by too fast. I didn’t even see its end coming. It […]

Today we will talk about cash envelope system for beginners.   Years ago, I created an introductory post about envelope budgeting.   But, although the cash envelope system has been widely recognized and used, there are still others who don’t know how it works.   And so I thought of sharing a comprehensive guide for those who are new to the method.   The Cash Envelope System is something I […]

Hi and welcome back to SavingsPinay!   In today’s post I give you the 55 best money tips on how to save, invest, retire early and more in your 20s.   20s is the perfect age to build wealth. Not only are you more active and motivated to succeed, but you also have a ton of opportunities to earn more, save better and spend less than the others.   To […]

Traveling to Seoul, South Korea for the first time?   Here’s a Seoul travel guide on what to see and where to go, carefully curated as an ultimate first timers’ guide. Learn how I spent 4 days and 3 nights in Seoul complete with itinerary, budget, tips, and more.   If you also read my personal blog, you will know that I visited Seoul last week. It was a short […]

Hi and welcome to a new recap and extra income report while working full-time, May 2018 Recap + Extra Income Report.   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   May 2018 was spent well. I had two major achievements – my first trip […]

Today I’m doing a Mid-Year Financial Review for 2018!   And I’m sharing it all to you.   You may remember the Mid-Year Financial Review I did last year. Thank you for the positive feedback you gave on that.   For me, June is the perfect month to reflect and to look back on how the first six months of the New Year went in the area of finances.   […]

This year marks my fifth year of blogging. Wow!   I can’t even believe I lasted this long.   When I started blogging I literally had no idea what I was doing. I was simply sharing my journey to financial freedom. It was just a hobby to track what is happening to me financially.   I didn’t even know you can make money blogging in the Philippines!   Last year, […]

This is Part 2 of my blogging tips for beginners.   Today we will focus on the best tips to grow traffic for your new blog and start monetizing or getting money for small bloggers.   As I’ve mentioned in Part 1, when I started blogging I literally had no idea what I was doing.   I was simply sharing my journey to financial freedom. It was just a hobby […]

Hi and welcome to a new recap and extra income report while working full-time, June 2018 Recap + Extra Income Report.   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   June 2018 was indeed a good month. One of the highlight for June was […]

According to a Philippine Statistics Agency (PSA) 2017 survey result, only one in every three Overseas Filipino Workers (OFWs) is able to save from their cash remittance.   The survey further reveals that regardless of the amount of the cash remittances sent, for every ten OFWs, seven (66.1%) were able to save less than 25 percent of the total amount received, two (19.0%) were able to save from 25 to […]

Hi and welcome to a new recap and extra income report while working full-time, July 2018 Recap + Extra Income Report.   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   If you’re extra curious about my personal life you can go my other […]

Finally, I was able to save and invest my first Php 100,000.   Wow!   Looking back I never thought I can actually do it.   I was once a one-day millionaire. I went all-out when it comes to spending my salary. I always justify my expenses as a reward for my hard work.   Although I didn’t have any debt, I had zero savings.   I spent every bit […]

Hi and welcome to a new recap and extra income report while working full-time, August 2018 Recap + Extra Income Report.   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   If you’re extra curious about my personal life you can go my other […]

Today is a rather lengthy post. I am sharing the 18 books on money, business, investing and productivity I find to be worth the read and recommendation.   If you follow me on my other blog, you know that I love to read. It’s one of the hobbies I am proud to do through the years.   My current reading routine for a given month include books of different genre. […]

One of the many ways I am saving money this year is through the 1% Money Saving Challenge.   It is another saving hack I learned a year ago from one of my favorite personal finance blogger.   Money challenges are not that new to me. In 2016, I tried doing the 52-Week Money Challenge. A month or two after, I knew I was already a failure. I can’t seem […]

Hi and welcome to a new recap and extra income report while working full-time, September 2018 Recap + Extra Income Report.   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   If you’re extra curious about my personal life you can go my other […]

I often get asked how I blog. People are curious what my blogging routine is from finding a topic to write to creating images and publishing them all online.   Blogging is and will always be a big part of my life.   I’ve been doing this for four years and it has changed my life completely. To be honest I pray I can have this whole blogging a full-time […]

Have you heard of the term Accountability Partner?   Accountability Partner refers to a person who coaches another person in terms of helping the other person keep a commitment.   That partner can help with multiple types of goals or commitments whether physical fitness, starting a business or personal project or any other goal there is.   Here’s my story:   I used to do everything on my own especially […]

Financial literacy is important.   There’s no doubt about that.   How well we understand money and its components can play a crucial role in achieving success.   With proper financial education you can make better financial decision.   1. You will know the importance of keeping a budget. 2. You will know why you must save at least 20% of your salary every month. 3. You will understand the […]

Hi and welcome to a new recap and extra income report while working full-time, October 2018 Recap + Extra Income Report.   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   If you’re extra curious about my personal life you can go my other […]

This year I turn 25.   And I think of it as a special milestone.   It’s when the whole “adulting” finally sets in.   People your age starts getting married, having kids and making big changes and decisions.   And twenty-five will now seem too old to play around money and life in general.   With one wrong move, you can ruin the life have envisioned in the future. […]

Hi everyone!   This is a quick post from me to you.    Every two years I do a reader survey for SavingsPinay. It is one of the best way I can find out how to make this blog better. I’ve always been amazed by the response I receive every time. Thank you so much for sharing your thoughts and opinions.   Something I know I would want to do […]

Hi and welcome to a new recap and extra income report while working full-time, November 2018 Recap + Extra Income Report.   Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.   If you’re extra curious about my personal life you can go my other […]

“Izza, I really want to start investing my money but I don’t know how and where to start”   Over the years, I have received emails from colleagues and readers asking how they can invest their money for the first time.   Investing is a big financial move.   And it can be pretty scary especially for first timers.   The day I decided to make my first investment, I […]

2018 has been a great year for this blog.   Thank you for staying and reading every post I publish.   What started as a simple diary of a financial journey turned out to be a source of inspiration to others.   I am amazed and forever grateful for your support.   This 2018 we had less post that usual.   42 posts in total.   I had a ton […]

Find out what the newly-enhanced Citi Mobile® App can do, from personalized experience to lock and unlock feature if you card gets misplaced or stolen!   Thank you to Citi for partnering with me in this post. All opinions are 100% my own.   Mobile banking has become increasingly important nowadays.   Apps provide convenience and added protection to account users. Plus, they give you the freedom to do what […]

This post is my year-end review on life, goals and finances for 2018.   Just a quick run through on how the past 365 days went for me in general and how I would want the coming New Year to be different.   I’ve done a year-end review almost every single year since I started this blog. You can read each below: 2014 2015 2016 2017 2018   For me, […]

Welcome to the SavingsPinay Archives. Someone answered the Reader Survey and asked the possibility of a better Archive here on the blog. And so here it is! Almost 500+ posts filtered by date. If you happen to decide one day to read all posts, I hope this single archiving page helps you. This will be updated every time I post something new. January 2019 12: 2018 Year End Review  02: Citi Mobile […]

It’s time to talk about my goals for 2019.   Since starting this blog I have publicly declared my goals. I see it as a way to keep myself accountable. Making it public provides me with just the right amount of pressure to act on my goals and make it happen.   Now last year was a disaster in terms of achieving goals. I failed in almost every single financial […]

Have you ever felt stressed and just want to take control of your finances once and for all?   I used to be a financial mess. I have monthly salary and money from my side hustles but I end up living paycheck to paycheck. I don’t have debt but I wasn’t achieving anything in the financial side.   And so I made a New Year’s resolution this year to get […]

Poverty mindset is the “poor me” attitude towards money. It is commonly characterized by being always in the state of lack.   Have you ever met a person who constantly says “wala akong pera” or “hindi ko afford yan”. Someone who always answers negatively to what you suggest or say he or she should do. Those who only see the things that they don’t have instead of being thankful for […]

Last Update January 29, 2019   Two years ago I published 40 Financial Habits for Life.   My goal is to come up with a list of good financial habits everyone can adapt too. I was inspired with the number 40 which describes a period of testing and battle in the Bible.   Some of you may have been in a battlefield right now, financially. I hope you can treat […]

Welcome to the first net worth update of 2019.   As I mentioned previously, I will be changing the layout of the net worth update since the past layouts were just all over the place. I want the net worth updates to stay as simple as possible and reflect real numbers and situations.   January 2019 Table of Contents January 2019January 2019 Blog Update and HighlightsTraffic and Income BreakdownJanuary 2019 […]

  Today’s post is a rather short and timely.   I have posted seasonal money tips in the past but usually involving Christmas but I thought it will be nice to share something for my readers who are celebrating Valentine’s Day but don’t want to spend a lot of money. Be Realistic with How Much You Currently Have Table of Contents Be Realistic with How Much You Currently HaveTake Advantage […]

Welcome to my February 2019 net worth update.   It will be in the same layout as last month as I want the net worth updates to stay as simple as possible and reflect real numbers and situations.   February 2019 Table of Contents February 2019February 2019 Blog Update and HighlightsTraffic and Income BreakdownFebruary 2019 GoalsFebruary 2019 Net Worth UpdateNext Month’s PlansFinal Notes from SavingsPinay As you may notice I’ve […]

According to BSP’s 2017 Financial Inclusion Survey, only 3% of adults invest in stocks, bonds, Unit Investment Trust Funds or UITFs, mutual funds, and other managed investment schemes.   This is a terrifying number.   It means up until today there is a huge gap between people who invest and those who do not.   The BSP study further reveals that among those without investment, the most common reason is […]

Welcome to my March 2019 net worth update.   It will be in the same layout as last month as I want the net worth updates to stay as simple as possible and reflect real numbers and situations. March 2019 Table of Contents March 2019March 2019 Blog Update and HighlightsBlog Income BreakdownTV 5 Oplan Asenso InterviewMarch 2019 GoalsMarch 2019 Net Worth Update Next Month’s PlansFinal Notes from SavingsPinay   It […]

Living paycheck to paycheck without any savings is not something new to me.   I experienced this during my first few years of having a real job. Back then, I have no idea about budgeting, tracking my expenses and living below my means. I keep on making expenses here and there.   And even though I earn extra money from hosting weddings and events, I ended up saving nothing.   […]

Today I’ll talk more about index funds in the Philippines.   DISCLAIMER – Make sure you read and understand the entirety of the post before deciding. What you do with your money is completely your own. I am not a financial advisor.   This is actually not the first time I’ve talked about index funds. I mentioned it as part of the best investment for retirement in the Philippines.   […]

Welcome to my April 2019 net worth update.   It will be in the same layout as last month as I want the net worth updates to stay as simple as possible and reflect real numbers and situations.       April 2019 Table of Contents April 2019 April 2019 Blog Update and Highlights Blog Income Breakdown April 2019 Goals April 2019 Net Worth Update   Next Month's Plans Final […]

Today we will talk about budgeting for beginners.   We all hear how important budgeting is. They say if you are truly serious to reach financial independence and early retirement then you need to master the art of making a budget.   A budget is an estimate of your income and expenses over a set period of time. Normally done on a monthly basis, budgets work to: Allocate your salary/income/money […]

Today’s post I will talk about the different side hustles I did to make extra Php 5000 a month.   Side hustle changed my life for the better.   It helped me accomplish the following: Boost my savings Increase my investments Have enough capital for a possible business venture or passion project Pay-off debt (credit card) Extra money for shopping, paying bills or vacation   Truly, I am thankful God […]

Welcome to my May 2019 net worth update.   It will be in the same layout as last month as I want the net worth updates to stay as simple as possible and reflect real numbers and situations.   May 2019 Table of Contents May 2019 May 2019 Blog Update and Highlights Blog Income Breakdown May 2019 Goals Financial Goals Blog Goals Personal Goals May 2019 Net Worth Update Next […]

Since my announcement that I'm investing in stocks I received an overwhelming number of personal messages from friends and colleagues asking how investing in stocks works.   I am both happy and proud that my post have ignited the fire within these particular people to also invest for their future.   Stock investing can be scary, confusing and complicated. And so today I gathered some of the frequently asked questions about […]

Today I will share to you everything you need to know about sinking funds.   Is this your first time hearing the term sinking funds?   Years ago I shared five different savings accounts you should have in order to achieve financial freedom. I mentioned emergency fund, debt-payment fund, investment fund, personal savings fund and retirement fund.   Sinking funds is also a term used for personal savings fund.   […]

Welcome to my June 2019 net worth update.   It will be in the same layout as last month as I want the net worth updates to stay as simple as possible and reflect real numbers and situations.        June 2019 Table of Contents June 2019 Blog Income Breakdown June 2019 Net Worth Update   (adsbygoogle = window.adsbygoogle || []).push({});   Final Notes from SavingsPinay   The month […]

Today I will share with you 7 money moves you can do every month in order to reset, refresh and get ahead of your finances. The beginning of every month is a crucial time frame especially for your financial health. It is the perfect time to ponder upon what you are doing well and realize what could be improved moving forward. If you really want to reset, refresh and get ahead […]

BDO Unibank, Inc. becomes the first-ever bank to win the coveted Gold Award in the prestigious 2019 Kidlat Awards, an annual creative competition celebrating the country’s most creative advertising work of the past year.   Organized by the 4As Philippines’ Creative Guild, the Kidlat Awards cited BDO for its creative digital campaign highlighting overseas Filipinos finding ways to provide for their families back home—even if it means doing unconventional jobs […]

Welcome to my July 2019 net worth update.   It will be in the same layout as last month as I want the net worth updates to stay as simple as possible and reflect real numbers and situations.   July 2019 Table of Contents July 2019 July 2019 Blog Update and Highlights Blog Income Breakdown  July 2019 Goals July 2019 Net Worth Update Next Month's Plans Final Notes from SavingsPinay   […]

Did you know that you can invest in US stocks in the Philippines?   Surprise!   Not much information has been said online about Feeder Funds Philippines.   Feeder funds invest in an international fund known as the target fund. It is made available for Filipino investors as an additional means of diversification and to have access with international stocks mainly, the US stocks.   If you are thinking of […]