Save up to P1,500 when paying for your Meralco bill, Spotify Premium subscription, and so much more!  

There’s truly nothing like treating yourself after all your hard work every PayDay - from splurging on a good meal at your favorite restaurant, to finally buying that air fryer you’ve been eyeing for a while. While these PayDay sales and 10.10 budols are enticing, it's also important to ensure that you're spending your sweldo smartly, and not simply giving in to impulse buys that you'll soon regret. 

Digital payments leader, PayMaya, lets you do just that with its #PayMayaPayDaySave offers - giving you massive savings of up to P1,500 when paying for the things you need like your Meralco bill, or the things that elevate your day like a Spotify Premium Subscription for your daily soundtrack needs, from October 10 to 17, 2021.   

Now you can indulge in spending your hard-earned sweldo on yourself and on your loved ones without feeling guilty – because you know you’re spending smartly with PayMaya. Your go-to e-wallet has also partnered with your favorite brands to ensure that you get to shop with only legit items - no more worrying about getting scammed or not getting your money's worth. Say goodbye to 10.10 budols, and hello to saving while you spend with these offers! 

Save up to P500 on your Meralco bill when you settle it via the PayMaya app for the first time – with a minimum spend of P1,500. Within a few taps on your smartphone, you can already complete your transaction and enjoy the 33% savings (max of P500) as a cashback that you can use to treat yourself later! 

You can also enjoy up to P150 in savings when you settle other bills on the PayMaya app. When you pay a minimum of P1,000 for any of the 600 billers featured on the app, you’ll get 10% savings if you’re a new user or 5% savings, if you’re a returning user, max of P150 as a cashback.  

When shopping for your groceries and other essentials, be sure to scan-to-pay via PayMaya QR to enjoy safer transactions and save up to P200 at your go-to supermarket or retail store for a minimum spend of P500. First time PayMaya users will get to enjoy a 20% cashback on the transaction while returning PayMaya users will get 10% cashback as savings at establishments like Robinsons Supermarket, Shopwise, Super8, AllDay, Waltermart, Mercury Drug, Watsons, The SM Store, Abenson and many more!  

First-time Spotify users can now purchase Spotify Premium subscription plans and enjoy savings of up to P194. Get up to 100% cashback off your first month when you use your registered PayMaya mobile number to pay, to access more than 70 million music tracks and 2.2 million podcasts. This offer is applicable for the following Spotify Premium Plans:  

• Student (P65) Monthly Subscription Plan  

• Individual (P149) Monthly Subscription Plan  

• Duo (P169) Monthly Subscription Plan  

• Family (194) Monthly Subscription Plan 

You can also rack up savings when shopping or ordering online – be it for a nice meal for your family, or a new kitchen must-have. Simply pay with your PayMaya mobile number at your go-to website or at the in-app MayaMall to save up to P200. Just be sure to spend a minimum of P500, to get a 20% cashback for first-time PayMaya users, and 10% cashback for returning PayMaya users. You can enjoy this deal with brands including  Jollibee, McDonald’s, Bonchon, Frankie’s, Army Navy, 8cuts, Ooma, Landers Pick.a.roo, AllDay, and many more!  

Save up to P100 when you purchase digital vouchers, prepaid airtime load, and gaming pins at the PayMaya in-app Shop. When you spend a minimum of P200, you’ll get a 10% cashback if you’re a first-time PayMaya user or a 5% cashback if you’re a returning user. Enjoy these extra savings when buying gaming pins like Steam, Xbox, Mobile Legends, PUBG, and Valorant; transportation credits from beep, and Grab; and lifestyle subscriptions like Viu and even Tinder for yourself or for a friend! 

On top of these savings for your wants and needs, you can also get an additional reward of P200 when you complete these Smart Spending Goals with PayMaya:  

• Cash-in worth at least P5,000 to your PayMaya Account   

• Send Money worth a minimum of P1,000 to a verified PayMaya user using the PayMaya Send Money Feature  

• Purchase a min. of P200 from the In-App Shop OR Pay a Biller in the PayMaya App worth at least P1,500   

• Scan to Pay with PayMaya QR for a min. spend of P500 OR Pay with their PayMaya-registered number for a min. spend of P500 

 “BTS is here once again!”

Not your favorite KPop group though, just our annual Back-To-School routine.

Since the saga of online and remote classes continues, so is the search for items and devices that will help you pass your classes with flying colors. So, get your shopping list ready because the country’s leading provider of in-store financing and digital financial services Home Credit will be your shopping partner for your back-to-school essentials. 

They’ve got all the must-haves for every type of student, with exclusive deals and offers just for you:

The tech-savvy
For students who are always on the lookout for the latest gadgets to use for their online classes, these promos will let you get them with discounts and freebies from brands like Samsung, Asus, Oppo, RealMe, Vivo and Huawei.

A smartphone, laptop or tablet is probably at the top of the list to get by with remote learning. By visiting and shopping at My Home Credit App’s Marketplace, you can have them for as low as P1,200/month. 

C Cellzone also has enticing offers for you. For every purchase of a smartphone, accessories like Bluetooth speakers, smart watches or wireless neckbands are bundled for free. And the super affordable monthly installment of at least P800 will surely make you want to avail without thinking twice.

The accessory-loving
The right mobile accessories will truly improve any study-from-home experience. Invest on the best ones by shopping at Rulls and score exclusive discounts from leading brands when you avail through Home Credit.

Choose the perfect pair for your mobile device from a wide variety of accessories like protective cases and covers, stands and holders, hubs and ports and so much more.

The DIY enthusiast
Are you a DIY type of person?  Then create a DIY online class space - find the right spot then fill it in with a table, lampshade, clock and some decorations or tools from home improvement and hardware store, Handyman. If the combined purchase is P3000 or more using a Home Credit loan, an umbrella is yours for free (which is another must-have this rainy season!)

The setup-obsessed

If you have enough budget and want to complete your online class setup then this promo has got you covered. You can have a Home Credit loan of up to P16,000 or more from Robinsons Appliances*. Add in some other BTS essentials – a printer, projector or speaker system so you can take on any task and achieve the ultimate online class experience.

Plus, you’ll receive either a free lunch kit or a 3-fold umbrella, whichever you choose. Robinsons Appliances has a wide selection of devices ranging from mobile phones, tablets, laptops, equipment and accessories. 

Not only were you able to purchase some online school devices, but you also have a freebie to go with it. 

Avail these exciting promos available to all Home Credit customers at any nearest partner retail store nationwide, with simple requirements and fast one-minute approval. If you want to shop at the comfort of your home, you can also check the My Home Credit App for more details. Promo runs from August 29 to September 19, 2021 so hurry and shop now!

 

As an additional special treat, SM Store Cubao branch is also offering discounts on furniture for online schooling.

To get the complete list of items and offers for these promos, go to www.homecredit.ph or follow them on www.facebook.com/homecreditph.

*Handyman - DTI Fair Trade Permit No. FTEB-126183 Series of 2021.

Going out and transacting in crowded indoor areas such as banks and remittance centers is the last thing my Titas want to do these days.  I’m sure you all know why.  Doing that is risking a lot and if you’re a mom or person with an existing illness, you wouldn’t want to take chances.  

I usually send money to my friends and relatives in the provinces for many reasons such as payment for goods or services, sending monetary gifts during special occasions, sending money as financial help during pandemic, or pabili of pasalubongs or delicacies from the province.

As a mom myself, I don’t want to risk their health and wellness just to receive money from me for whatever reason.  So we’ve drawn some methods on how to safely send and receive money.  

Here are some safer ways to send and receive money to/from the province:

1. Online or Mobile Banking – If your friends or relatives have a bank account and uses online or mobile banking, then this is a safe way to transact.  It’s fast and sends money from the comforts of your home to the recipient in an instant.  Mind you though, a transaction fee is charged for every transfer of money.  Also, this is only applicable to persons with existing bank accounts.

2. E-wallet sending – This is another option to safely send and receive money.  An example of this is PayMaya.  All you have to do is to download the PayMaya app via Play Store or Apple Store, register, upload a vailid ID and take selfie as part of the requirements.  Validation and approval may take a while.  I always use this option for sending money to my friends or relatives in provinces because it’s really convenient.  But not all of them have an e-wallet, so tip #3 is the best solution for safe fund sending.

3. PayMaya To Smart Padala – If your friends or relatives don’t have a bank account for online or mobile banking or a PayMaya account, don’t worry.  Here’s another way to safely send money to them.  Send money from your PayMaya to a Smart Padala account.  This is the best solution for those who don’t have a bank or e-wallet accounts.  No need to go out to remittance centers to receive the money you sent.  They just need to get the 16-digit Smart Padala number of the nearest sari-sari store where you will input in your PayMaya when transacting.

I tried sending money to my Tita Fely in Davao who’s not techy and wants things done manually and traditionally.  I know you have this kind of Tita or Tito too right?  She recently celebrated her birthday and instead of sending her a gift via courier, it’s faster and more convenient to just send her money so she could buy what she wants.  I sent it using my PayMaya account to a Smart Padala number she sent me.

Here’s how:

1. Open your PayMaya account and choose SEND MONEY.

2. Enter Mobile or Account Number of SMART PADALA  agent you’re sending the money to.  

3. Enter the amount of money you’re sending.  You may even include a personalized message.

4. Click continue and check all details.  Then press SEND.

5. You’ll receive an app and text notification that you’ve successfully sent money to the Smart Padala account number.  

   
   
   

6. Take note of the Reference Number and send this to your friend or relative recipient.

7. Your friend/relative will go to their trusted Smart Padala agent (where you transferred the funds), bring one (1) valid ID, bring mobile phone, and shows the reference number you sent her as proof of transaction.

8. Voila!  She receives the money safely and conveniently.

I love how safe and convenient sending and receiving money is via Smart Padala.  This is a powerful solution to people who don’t have a bank account or e-wallet accounts.  Like my Tita who’s not techy, doesn’t want to go out to crowded remittance centers, or who doesn’t have a bank account – SMART PADALA is their ally.

PAYMAYA PROMO – Get a chance to win monthly grocery budget!

What’s more is that PayMaya has an ongoing promo until June 18, 2021 where PayMaya users who send money via Smart Padala could win monthly grocery budget!  To earn a raffle entry, just send a minimum of Php1000 to a Smart Padala number during the promo period.  First sending gives you five (5) raffle entries, succeeding transactions give you one (1) raffle entry.  31 winners will be chosen to win monthly grocery budget of P10,000 and even P100,000 in the grand draw!

So when you’re sending money to relatives especially in the province, choose the safe and smart way!  Choose sending via PayMaya to Smart Padala!  Not only it is convenient, it could also get you a chance to win monthly grocery budget!  Winner!  For more details, follow PayMaya on Facebook and Instagram.

We all didn't expect this pandemic to happen.  In the past four months, we've seen many shift from office work to work from home.  There were a lot who lost their jobs.  Businesses closed down.  Parents panicked and worried about their children's education.  Lastly, almost everyone fears both their health and financial conditions - and their family's future.

They say illness or death makes you change your perspective of things in life.  If you put the thought of death in the equation, the way you behave, the manner you speak, the intentionality to take care of your relationships with your loved ones - ALL change.  I believe this then urges a person to become better, kinder, more forgiving, and more honest. 

I always have that "what-if-I-have-24-hrs-to-live" mentality when making decisions.  If you do, believe me, you'll make wiser and more practical decisions - such as getting yourself and your family a gift of protection. 

FWD Philippines takes care of your family’s future needs so you “KanDuu” all the things you want to do, now!


My very reason for getting myself insured is because I don't want to obligate my kids to take care of me and spend for my hospitalization, medicines, and even memorial services should I arrive there. I want to be financially independent and instill the same values to my kids.  Insuring myself gave me a peace of mind knowing that whatever happens, I am protected. 

So just imagine all the things you can do when you’re confident and secured enough to accomplish them—when you don’t have to worry over your family’s needs should anything happen. As impossible as it seems, you can really, truly, have it all! All it takes is a decision to make it happen and being open to the idea of financial planning.

FWD Life Philippines (FWD PH) KanDuu
Giving Filipinos the confidence to live life to the fullest, FWD Life Philippines (FWD PH), part of pan-Asian insurer FWD Group, recently launched KanDuu, a set of insurance products that covers you from death, critical illness, or accidents so you "Can Do" and pursue all the things you love.

Go ahead and do it!

Whether you’re an avid family traveler, a fitness buff, or a lover of life, there’s a variant that’ll suit you—KanMend, KanLive, and KanGuard. And did we mention that aside from securing you and your family, each comes with really awesome rewards? 


As a mom/parent, we each have different needs or priorities we want an insurance product to meet.  Let me tell you more about what FWD PH KanDuu Can Do for you!

• For Critical Illness - Get KanMend!  Designed with wellness warriors and health buffs in mind, KanMend gives you a cash benefit of Php100,000 once you get diagnosed with any of the 42 covered critical illnesses. Its welcome reward: Six months’ unlimited access to KonsultaMD’s 24/7 telemedicine service. No need to leave the house to consult with licensed Filipino doctors. All you need is to call.  

• For Essential Funds and Protection -  Get KanLive!  It has a cash benefit of Php200,000, in case of death and this reward: One-year unlimited medical consultations at any Aventus Medical clinics, nationwide.

• For Accidental Death or Disability Coverage - Get KanGuard!  Love to travel? Have a thirst for adventure? Want to live life on the edge? KanGuard gives a Php500,000 cash benefit in case of accidental death or disability due to terror attacks, anywhere in the world. Its reward? One-year global emergency services by Assist America for travels. 

Insurance marketplace
Who knew you’d someday shop for insurance online the way you’d shop for gadgets or limited edition bike parts? Who knew getting insured is as fast as picking that shade of red lipstick you don’t already have? True to its vision to change the way people feel about insurance, FWD has now made insurance more accessible, affordable, and covetable to more Filipinos via shop.fwd.com.ph.

If you’re 18 to 50 years old, you can purchase KanDuu online for AS LOW AS PhP1,799/year at shop.fwd.com.ph, FWD PH’s new online insurance marketplace.

HOW TO PURCHASE:

1. Step 1: Visit www.shop.fwd.com.ph
2. Step 2: Choose one Kanduu plan you want to purchase

• KanMend - Protection against 42 critical illnesses | Reward: 6 months’ unli KonsultaMD telemedicine
• KanLive - Essential funds and protection for your family | Reward: 1 year unli medical consults at Aventus clinics
• KanGuard - Payout for accidents or terror attacks, worldwide | Reward: 1 year global emergency services
1. Step 3: Click “Buy Now”
2. Step 4: Fill out the application form and upload one valid ID
3. Step 5: Review application form summary and product summary
4. Step 6: Pay online via debit or credit card
5. Step 7: Expect a welcome email and SMS

And with FWD’s insurance app, Tapp, you can access and manage your insurance and rewards, anytime, anywhere!  I never thought protection for our families could now be this accessible, convenient, and easy to purchase!  This is also a perfect choice for individuals or groups who are quite shy when meeting people.  Online is the newest way to get products and even services! 

Go to bit.ly/MetroManilaLovesShopFWD to purchase your KanDuu insurance now!
Want to know more about FWD Life Philippines, part of the pan-Asian insurer FWD Group? Visit: https://www.fwd.com.ph/en/

I've always believed that if you want to achieve something big in the future, you better start working for it in the present.  Same principle should be carried out to our financial planning.  Admittedly, I started thinking about and taking this seriously not too long ago.  It was in 2012 when I took the first step.  I wish I had started sooner, but it's better to have started than not to do something at all.

Last month, I received a present from Avida Land to guide me in meeting my financial goals.  If you're a newbie to financial planning, this manual will definitely help you jumpstart your future towards financial freedom!

You need tools such as Avida Land's "My Path to Financial Freedom" manual to keep you relaxed in financial planning, which could appear complicated and intimidating to most people.  The manual is compilation of informational content, fun graphics to go easy on the eyes, and engaging activities or worksheets to really help you get down on your knees and actualize your financial planning.
In this blog post, I will share some features of the Avida Land's financial planning manual and how it will help you through your financial freedom journey.  I will also share some helpful worksheets which you could do on your own.  Lastly I'll be sharing what I like about the manual and my recommendations as well.