Preparing for various expenses is something my husband and I do annually. With three kids studying at different academic levels, each with unique needs, budgeting can be a challenge. The largest portion of our expenses often goes towards my college student son. In our experience, there are times when finances are abundant, but there are also lean seasons—financially speaking. When resources fall short, especially during critical times, we turn to cash loans.

For cash loans, we trust Home Credit. Home Credit’s cash loan offer provides a financial boost for families like ours. Whether for tuition fees or necessary and unexpected expenses, Home Credit helps make our financial planning hassle-free and worry-free.

Home Credit’s Cash Loan is easy and fast. With just a minute of online processing time, you can get same-day cash disbursement (maximum of P50,000) via online banking or cash pick up from a list of their partner stores, once you’re approved.  And why is it easy? You only need two requirements—first, you must be a Filipino citizen aged 18 to 68 years old; second, you need one valid ID. Additionally, you can choose from 6-month to 48-month installment plans via various payment channels.

As someone who advocates for practical and debt-free living, I encourage everyone to pay their loans on time and in full. This practice helps you maintain a good credit standing and be recognized as a reliable borrower, making it easier to qualify for higher loan amounts. Let’s face it: expenses tend to rise each year, and having adequate savings becomes increasingly important. Fortunately, when savings fall short, we can rely on Home Credit.

Apply safely, securely, and conveniently from home using the Home Credit App, which offers 24/7 customer support. Download it today on Google Play or App Store.

For your financial needs that require flexibility and convenience, choose Home Credit Cash Loan!

For more information about Home Credit Cash Loan, visit this link: www.homecredit.ph/apply/cash-loans. 

To learn more about Home Credit Philippines, visit its official website: www.homecredit.ph. Follow its official Facebook, Instagram, and TikTok accounts to stay updated. Explore  www.shoppingmall.ph to get the best deals near you. 

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).

*Cash loans are available to eligible customers only.

I’ve been there.

I know how back-to-school expenses, like any other major costs, can be stressful and daunting, especially if you have other financial responsibilities to manage—and even more so if you have more than one child.

Back-to-school season of my three boys in different levels: College, High School, and Grade School.

While budgeting is always helpful, there are times when unexpected expenses or emergencies arise, forcing you to prioritize those during the payment of tuition fees and other back-to-school needs. While there’s nothing wrong with asking for help from family or friends, I personally prefer to seek out financial companies, banking institutions, financial apps, or digital banks that offer loans for important expenses when I need them.

Maya Easy Credit, your dependable ally for all your school expense needs

Maya Easy Credit is a reliable ally when it comes to borrowing money to make back-to-school spending a breeze! Whether you need it for tuition fees, school supplies, gadgets, allowances, or any other expenses, you can count on Maya Easy Credit.

It’s easy—you read that right! You can borrow money as simply as 1-2-3 and without hassle! You can borrow up to ₱30,000 in seconds for your immediate needs and pay it back within 30 days. There’s no need for paperwork like proof of income, billing statements, or other documents to get the financial help you need. With Maya Easy Credit, you can use the funds for back-to-school expenses right after they’ve been transferred to your wallet. Once in your wallet, you can pay directly in-store or online when shopping for your child’s or children’s school needs. My back-to-school experience was a breeze, thanks to Maya Easy Credit.

However, as an advocate of living a debt-free life, it’s important to pay your Maya Easy Credit bill on time to avoid penalties. This also helps you build a good credit score, which is crucial when borrowing money.

Here’s how you could apply for Maya Easy Credit:

1. Go to the Credit dashboard in your Maya App and tap "Sign up for Maya Easy Credit."

2. If you're eligible for Maya Easy Credit, you will see an "Activate Now" button.

3. To become eligible for Maya Credit, complete your account and continue using Maya's other services actively.

To qualify for Maya Easy Credit, you must:

• Be at least 21 years of age and not over 65 years old.

• Have an upgraded account.

• Have been actively using your account.

• Have a good credit standing.

If you qualify for early access, you’ll be notified once you’re eligible to activate your Maya Easy Credit.

Maya Easy Credit saved me during my son’s college enrollment. While I had prepared for his tuition fees this semester, I completely forgot that I still had balances to pay from the previous semester. My back-to-school anxieties disappeared, thanks to Maya Easy Credit!

What made it even more attractive is their ongoing promo where you could win gadgets every week! Every ₱250 you spend using Maya earns you raffle entries for a chance to be one of the 20 weekly winners of ₱10,000 and Honor gadgets from July 1 to August 31, 2024. Pay for school supplies, shoes, backpacks, and more via QRPh at over 600,000 stores, check out online through Pay with Maya, or use the globally accepted Maya Card. Plus, stay connected with load and data from the app for all your homework and enrollment needs. Each transaction brings you closer to a win, making every purchase a step toward exciting rewards. The more you use Maya to spend, save, invest, and borrow, the higher your chances of winning!

In addition to all these fantastic features and promos, Maya is one of the digital banks that offers high interest rates when you open a savings account! With Maya Savings, you can grow your money while you spend it on school or other expenses. Boost your savings with up to 15% p.a. interest, credited daily whenever you use Maya for your transactions. Your savings grow faster, helping you handle school expenses more smoothly.

I can’t stress enough how much Maya and Maya Easy Credit have helped me manage my finances. My back-to-school worries turned into excitement in an instant. I know budgeting can sometimes be a challenge or even seem impossible at times, but with Maya, you can count on its perfect attendance!

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.

These days, we’ve all become more careful when it comes to managing our household. At home, moms clean more often than before. We wash clothes almost every day, sanitize everything coming from outside, eat healthy and take our multivitamins to boost our immune system, and educate our kids how to wash hands properly. Most importantly, we stay home as much as possible. And in the instances that we have to go out, we equip ourselves with face masks and alcohol.

We do these things to keep ourselves and our loved ones safe from the spread of the coronavirus. This is the new normal and we’ve smoothly adapted to it.

Apart from these safety measures, there’s one area that is often neglected or not prioritized when it comes to safety – transactions and payments. I only have ONE SAFETY TIP – DO CASHLESS or CONTACTLESS transactions. Whether you’re settling bills online or paying for your groceries in supermarkets, don’t pay cash. PayMaya. 



Here are just some of the transactions you can settle safely and conveniently with PayMaya:

1. Pay for online purchases

Shopping online has become a part of the new norm, now that we are being asked to stay at home as much as possible. For online purchases, using cashless options like PayMaya is safer and more convenient than COD. With this, there is no need to scramble for cash when your order arrives. You’re also able to reduce the risk of transmitting the virus through cash-handling.

You can use your 16-digit virtual card number for this, but some merchants also accept payments using only the mobile number linked to your PayMaya account.

2. Pay for groceries or medicines



I still prefer the QR Scan to pay option when paying for my groceries at the supermarket. You don’t need to hand any cash nor card to anyone and returned to you unsure if it carries the uninvited virus we’re all scared about. On top of that, you can also get a cashback of 1%, 10%,  or 100% when you pay via PayMaya QR. Safe and sulit at the same time!  PayMaya QR is available at Landers, Robinsons Supermarket, Rustans Supermarket, Shopwise, Robinsons Easymart, Robinsons Selections, Shopwise, Super8, Wellcome, LCC Supermarket, Metro Gaisano, Citimart Supermarket, WalterMart Supermarket, Budget Mart, South Emerald Supermarket, Prince Hypermart, and many more.

3. Pay bills and other government -related dues.

You don’t have to brave the growing traffic or risk getting infected outside, just to pay for your bills or government dues. You can easily do it in the safety and comfort of your home with PayMaya. With just a few clicks, you are already able to settle your bills and not worry about incurring additional charges for late payment.


4. Buy load for yourself or others.

You can also purchase load for yourself or your friends and family with your PayMaya app.  These items are also discounted so you know you’re getting more sulit deals by simply staying at home.

5. Add money to your account

To do all these things, you would need to have enough funds in your account. Luckily, adding money to PayMaya is super easy. There are a lot of ways to do this. If you don’t want to go out, you can just transfer money from your bank account to PayMaya via Instapay. You can also add funds to your PayMaya using your credit and debit card. But if you don’t have a bank account or a credit card yet, you can simply head to the Smart Padala agent in your community and add money from there!

Even if the quarantine will be lifted in the future, I’ve well adjusted to this new normal. To be honest, I like it better because so many good things had happened to me. My husband and I are more appreciative of each other. My children are closer than ever. I learned many new things like baking and extending my patience. I’ve fortified my personal relationship with God too. Even if it’s declared safe to go out, I still won’t risk my family’s health and safety. I will still do cashless and contactless transactions like how I am doing now using PayMaya. It’s fast, it’s convenient, it’s practical, and lastly, it’s SAFE. 

To know more about PayMaya visit https://www.paymaya.com/quick-guide. You may download

PayMaya for free on Play Store and Apple Store. Click HERE to download instantly. So remember, to stay safe and have contactless transactions, don’t pay cash. PayMaya! 

Being a working mom has both disadvantages and advantages.  The downside is that you are away from your kids the whole day from Mondays to Fridays and don't get to spend as much time as you want to.  In effect, you tend to be guilty from working away from home because you don't get to attend to their needs, do the loving chores for them, clean and dress them up, and play with them.

But come to think of it, there are advantages too.  Working gives your household a steady income, a secured hospitalization benefits, a group insurance, bonuses here and there, and for moms, a good pack of self-confidence and oozing boost to self-esteem.  The only challenge that we face most of the time is - BUDGETING and SAVING.  Because we're always out, we can't help but spend, sometimes beyond the allowance we set for ourselves daily.

So I came up with some money-saving tips for busy working moms and it was published on Glam-o-Mamas!

My published contribution on Glam-o-Mamas.com

Here's a part of the article I contributed:

Practical Saving Tips For Working Moms:

1. Walk the Short Distance instead of Riding a Tricycle or an FX – (Save P10.00) – I work in Makati City where loading and unloading areas are usually far from your company’s building. I get off around two blocks from the office building. I have two choices: 1) Ride another FX and pay an extra P10.00 on top of my P55.00 one way transportation 2) Walk. I choose to walk most of the time (except when I am not running late.) My waist may get trimmer and my pocket a little fatter.

2. Bring your Own Lunch instead of Dining Out - (Save P50 to P100.00) – We’re often lured with the countless fast food chain or restaurants around the work place. If you give in to the invites of your officemates, you spend around P50.00 to P1500.00 (or even higher) on food only not to finish the whole serving and put that hard-earned money to waste. Why not, prepare your family a delicious meal at home and bring that goodness of home-cooked meal as your baon?

3. Set Aside P20.00 a Day – Part of my 2013 goals is to set aside P20.00 a day and keep it in my piggy bank. My plan is to spend this savings for Christmas shopping (gifts for loved ones, family or friends.) This way, I don’t wait for the bonuses to come just to spend it on shopping. If you stick to this, you could save around P6,000.00 by December.

Check out the whole article HERE to know more tips on how you could save little by little daily.  Big savings come from small beginnings as they say.  We do all know that there are a lot of spending temptations when we're out everyday.  So my mantra when I'm exposed to SALEs and BAZAARs is: "Resist.. Resist.. I must Control, Resist!"  

How about you?  What saving tips could you share?