5 Surprising Reasons 80% of Pinoys Have No Bank Account
- By Carlo Miguel Castañeda
- April 23, 2015
In the first Consumer Finance Survey conducted by the Bangko Sentral ng Pilipinas, a surprising number of Filipinos said that they do not actually have a deposit account. Read More: Why Pinoys Ignore Insurance According to the survey, 8 out of 10 households (78.5% of the total respondents) do not have deposit accounts. Of those who do have bank accounts, only six out of ten have deposit accounts that allow their money to earn interest. Here are five reasons most Pinoys have no bank account. Table of ContentsNot Enough MoneyThe Minimum Balance is Too HighCannot Manage an AccountDo Not Like to Deal with Banks or Financial InstitutionsLack of Extra Cash Not Enough Money Within the survey, around 92% responded that they do not have enough money to open a bank account. This may be a reason when there is shortage in income, or opting for the payroll account to be their only bank account. The Minimum Balance is Too High Some banks require anywhere between PHP 1, 500 and PHP 3,000 for general deposit accounts, although there are banks that actually offer deposit accounts – that earn interest – with no maintaining balance. Among these banks are HSBC, and Citi. Cannot Manage an Account There may be those among the people who do have bank accounts that cannot maintain it, owing to a multitude of factors. According to the survey, of those who do have deposit accounts, very few actually earn interest owing to the fact that deposits made do not meet the average daily balance. This may be a contributing factor…
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Why You Should Be Bookkeeping Your Personal Finances
- By Moneymax
- April 21, 2015
Personal financial management may not be taught next to Math and English in schools, but that doesn’t mean it’s any less important of a subject to learn. Read More: Unaccounted Expenses That Burn Your Money On that note, bookkeeping shouldn’t be a practice reserved only for businesses—not only does bookkeeping help you keep personal finances separate from that of your business, but it also helps you manage your personal finances better, in ways we share with you below. Table of ContentsIt helps you identify your goalsIt lets you solve the mystery of where your money goesIt keeps track of where the money comes from so you’re not surprised, you’re preparedDetermine if you’re within or over your budget It helps you identify your goals If you have debts you want to pay off or are trying to save up for a car, a house, or a dream vacation, it helps to identify them right away, and budget your money with a little less pain. Knowing what’s at stake will keep you focused on why you’re choosing not to spend on that cup of coffee and go for an instant instead, or why you’re not buying a new bag when your current one is just fine. It lets you solve the mystery of where your money goes Without keeping track, it’s impossible to remember what you spend on a weekly—let alone monthly, or yearly—basis. Before you can budget your money, you have to make sure you’re able to track what you’re spending on. A spreadsheet will help you track and categorize your expenses;…
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5 Money Habits That You Got From Your Parents
- By Moneymax
- April 20, 2015
Studies have shown links between genetics and money habits, but why do these matter? Understanding what drives us to spend, borrow or invest the way we do is not an excuse for poor financial planning. Rather, they provide solutions we can apply to counter these habits. Read More: 5 Habits That Will Stop You From Being Rich When it comes to financial decisions, both nurture (the way we were raised) and nature (genetics) play a big role. This is why parents are reminded to train children early to save and spend money wisely. Table of ContentsOverspendingInvesting BehaviorPerformance ChasingTrading FrequentlyRisk Tolerance Overspending This is a common habit shared by many people, including Filipinos. According to a study conducted by Hersh Shefrin, a Canadian economist known for his behavioral finance works, only 25 percent are born with a gene that tells us to stop buying what we should not be buying. This is why some are just better at self-control than the others are when they see something irresistible at a clearance sale. Before you have your brain tested for this, you should also know that you could trick your brain to be smarter when it comes to money matters, and science does prove this. We can actually come up with our own heuristics or rules-of-thumb based on experience, when we are facing financial decision-making. For instance, you can say that you only buy something you want as a treat for yourself because it’s your birthday, or you never shop during a sale because you have a tendency to buy what you don’t really…
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The 5 Things We Love about the BIR E-filing System
- By Moneymax
- April 15, 2015
Given the April 15th deadline to manually file your income tax, everyone was in a scramble to get theirs done by today. The additional fact that the electronic copy of your income tax form must be filed is enough to either confuse or downright cause rage in the average taxpayer. So let’s be real for a little while, and call a spade for a spade. Here are the five stupidest things about the new BIR E-Filing system. Table of ContentsThe fact that the extension applies to the e-filingThe fact that manually filed returns need to be re-filed electronicallyThe conflict regarding its implementationThe Downloadable FormThe Incompatibility Issues The fact that the extension applies to the e-filing A June 15 extension was given for filing the electronic copies of ITRs… But only if it’s of the “no payment” variety. This was done in order to allow the BIR to “concentrate on returns with payments”. But even if you don’t have to pay anything, you still have to manually file your “No Payment” ITR by today. The fact that manually filed returns need to be re-filed electronically Manually filed returns need to be re-filed electronically by June 15th, or penalties will apply, which differ from all other penalties already imposed on taxpayers should they be delayed in manually filing their ITRs. It defeats the purpose of actually going to your Registered District Office and standing in line for hours on end just to get it done. The conflict regarding its implementation It apparently takes about a month to activate a taxpayer’s e-filing account via their…
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Financial Tips to Follow for a Better Year
- By Moneymax
- March 25, 2015
Financial education is often the first step towards financial freedom. Most people these days are taking steps to ensure that they live the latter parts of their careers in relative comfort, and are able to enjoy the perks of actually having a career. Read more: The Cost of Education in the Philippines and How to Prepare Financially Of course, not everyone manages to make it as easily as another. People move at varied paces and get work their way to financial freedom in different ways. If you’re curious how you can get started, here are a few financial tips from Coffee Bean and Tea Leaf’s Brew Your Best Year blog. Table of ContentsDon’t apply for a credit card unless you know how to use it.Develop plans for saving and spending.Have a budget.Organize your financial documents.Have strong goals.Inflation is a reality.Explore investment options.Once you have investments, diversify them.Minimize impulse buying.Have more than one means of income.Automate your savings and bills payment.Spend less on going out.Live frugally.Have a system when planning your expenses or savings.Don’t compare your life to others.Stay motivated.Persevere.Be patient.Never stop learning.Final Thoughts Don’t apply for a credit card unless you know how to use it. They aren’t meant to be alternatives to cash. Develop plans for saving and spending. Keep it in mind that savings are put away before allocating your income to expenses. Have a budget. There are a lot of easy ways to track your budget and prevent you from living paycheck to paycheck. Organize your financial documents. Keep your bills – paid or unpaid – sorted, it’ll allow…
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FWD Life and Security Bank tie up for insurance
- By Moneymax
- March 16, 2015
Manila, Philippines – FWD Life Insurance Corporation (FWD Life), the life insurance arm of Asia-based Pacific Century Group, and Security Bank Corporation (SBC), the eighth largest private universal bank in the country, officially launched their bancassurance partnership, bringing a new experience to insurance services in the Philippines. Read More: SkyCable Forms SkyBiz for Corporate Clients The launch marks the rollout of selected FWD Life[1] products in all Security Bank[2] branches in Metro Manila. Customers will initially have access to two FWD Life insurance savings plans with attractive optional benefits. A number of additional products are also in the pipeline. Security Bank will make these insurance products easily accessible with dedicated FWD Life Financial Solutions Consultants (FSCs) present in each branch to provide professional advice on customers’ individual insurance needs. Security Bank President and Chief Executive Officer Albert Villarosa underscore how bancassurance aligns with the bank’s thrust towards BetterBanking. “We are happy that through this partnership, we are able to further strengthen our financial services portfolio. Offering insurance services to our bank’s customers is an integral and strategic aspiration for the bank. The partnership with FWD Life complements our goal to provide financial planning solutions and helps us offer attractive insurance propositions to our customers.” Villarosa adds, “Our extensive nationwide branch network makes financial services more accessible to customers. Given the dynamic economic landscape that our country has now, the insurance needs of Filipinos are also evolving and these needs are what we aim to fulfill.” FWD Group Chief Executive Officer Huynh Thanh Phong expresses his confidence in the partnership and how…
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8 Ways to Save Money for Your Dream Vacation
- By Moneymax
- March 13, 2015
Wouldn’t it be nice to just hop on a plane on a Friday night, arrive in Tokyo or Sydney hours later, see the sights for the weekend, and be right back at your desk on Monday? Many of us share the urge to travel and see new places. With so many budget airlines making travel more affordable, going on a weekend trip is now more affordable than ever. Air miles you collect on your credit card are also useful for getting airfare discounts. Some destinations like Tokyo, Sydney, or New York are just more expensive than say, going on a trip to nearby countries in Southeast Asia. So how can you afford that dream vacation of yours? Table of ContentsWays to Save Money for Travelling1. Keep Busy on Weekends2. Stop Food Waste3. Quit Smoking4. Save on Utilities5. Get a Gig or Start a Small Business6. Hold a Garage Sale7. Get a Rewards Credit Card8. Commute to Work Ways to Save Money for Travelling 1. Keep Busy on Weekends What do you do on weekends? Go to the mall or eat out? Try keeping busy during the weekend by working on chores to keep you away from going out to the mall and spending money. The money saved could go instead to your travel funds. 2. Stop Food Waste Have you stopped to consider how much food you waste every day? In the Philippines, the amount of food wasted is roughly around 22 grams per person on a daily basis. That percentage mirrors the global stat which shows that roughly a…
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Senior Citizens Can Get Discounts on Utility Bills
- By Moneymax
- February 24, 2015
If your parents or grandparents are already 60 years of age and above, that makes them a senior citizen. Most local governments have various benefits for senior citizens registered in the area. A notable example of this is the discounted (or free) cinema screening in Quezon City. You may have noticed too that they enjoy up to 20% discount on food and transportation. This is one of the benefits extended to them by Republic Act 9994, more commonly known as the “Expanded Senior Citizens Act of 2010,” which also exempts them from Value Added Tax (VAT) on all establishments. But did you also know that under R.A. 9994, senior citizens are also entitled to discounts on utility bills such as electricity and water? Related Articles: Senior Citizen Discount and Benefits: Important Facts You Might Not Know What Benefits Can Senior Citizens Enjoy in Your City? Your Guide to the Best Health Cards for Senior Citizens in the Philippines The Discount Provision Under this Act, a senior citizen is entitled to a minimum 5% discount relative to the monthly dues on electricity and water utility bills, providing that they reside in said household. The stipulation for the discount also states that the billing for either or both must be under the senior citizen residing at the address registered. One further stipulation is that that the monthly consumption does not exceed one hundred kilowatt hours (100 kWh) of electricity and thirty cubic meters (30 m’) of water. Note that this privilege is granted per household regardless of how many registered senior citizens are residing there. A second discount of…
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Financial Discussions with your S.O.
- By Moneymax
- February 13, 2015
When your girlfriend blows her salary on another pair of shoes, or when your boyfriend maxes out his credit card to buy the latest video game console, what do you do? Keep mum about it, most probably. This isn’t surprising, though, as our society isn’t particularly open about discussing money—we’re either too embarrassed about having too little or too much of it. Here’s why you should be having financial discussions with your Significant Other. Table of ContentsSilent FrustrationIs Now the Right Time?Keep it CoolIt’s All in the Approach“Let’s Talk”Set a DateListen, Don’t JudgeUnderstand Where They’re Coming fromCome Up with a Concrete PlanThis is a MilestoneDon’t Let Up Silent Frustration That being said, you have to discuss money with your partner. After all, if you cared about someone, wouldn’t you want them to avoid financial ruin? Moreover, money problems have a way of squeezing the life out of even the best relationships. Read More: Should You Merge Your Finances After Marriage? Broaching this prickly topic is never as easy as it sounds, though. That’s why MoneyMax.ph offers a few tips to help you navigate this awkward but inevitable conversation: Is Now the Right Time? The perfect time to discuss financial matters with your sweetheart is when your relationship takes a turn for the serious. At this point, you’re far enough into your relationship to warrant having the talk, but not too far into it that you can turn a blind eye on bad money habits. Keep it Cool Avoid having this discussion when you’re miffed about your partner being too thrifty or…
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Subdued Inflation to Allow for Economic Growth
- By Moneymax
- February 3, 2015
As the first quarter of the year enters its second month, the lowered price of fuel is likely to be cause for monetary authorities – such as the Bangko Sentral ng Pilipinas – to ease up on various policies and allow for further economic growth. What this means, according to financial giant JP Morgan & Chase, consumers will likely benefit more should the BSP ease policy settings. The bank also stated that their economics team expects the oil prices to keep inflation in check and have “penciled in” cuts to reverse repurchase (RRP) and special deposit account (SDA) rates in the second half. A note to clients over the weekend also explained that they believe that “this bodes well for the country amid diverging global monetary policies and uncertainties surrounding expectations of a US Fed rate hike.” BSP Governor Amado M. Tetangco, Jr. also said that a benign outlook on inflation for the year would also allow the central bank to keep rates steady. The BSP has also declared that January presented a decelerated inflation rate, its apparent slowest in the last half-decade. The bank is set to have its first policy stance meeting on the 12th of February and may discuss cutting down the benchmark rates for the SDA by 25 basis points, and may expect a similar cut for overnight borrowing rates – currently at 4 percent. With these benchmark rates cut, interest rates across the country may also be lowered, allowing for a greater boost in government spending. JP Morgan further stated that thanks to cheaper oil,…
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5 Best Books on Money Management
- By Moneymax
- January 28, 2015
Learning to manage finances isn’t an inherent skill in everyone. Some people are more capable at it than others, but everyone can always learn more. It doesn’t matter whether you’re a college kid trying to save up for your future, or someone with a career; there’s always room for a little more knowledge. While there are plenty of books on money management and personal finance, here are five books that should be on your list. While the title may imply that the book is a how-to on getting rich, this 1937 self-help book explains a series of philosophies to help one succeed in any endeavor; be it their career or managing their finances. Originally written at the suggestion of steel magnate and millionaire Andrew Carnegie, it also interviews a series of millionaires and philanthropists, and is largely considered the pinnacle of self-help books. The best-seller from the renowned financial literacy activist discusses financial independence through making smart investments and investing in real estate. He draws parallels between the advice he gives and his formative years in Hawaii – the rich dad and poor dad of the story being two key figures in it as well. Suze Orman is no stranger to writing about managing money, and this book is tailored to helping “generation broke” with a whole plethora of topics, ranging from credit card debt to buying your first house. She also discusses the financial issues of the self-employed, and how to handle your first job. Other books in her repertoire are less youthful in comparison but offer fantastic advice as…
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14 Important Money Lessons
- By Moneymax
- December 19, 2014
Pay off your debt, invest your money, set realistic financial goals, and reward yourself. Over the last year, we’ve shown you more than a few tips, tricks, and lessons on how to save more, spend wisely, and improve your personal finances. Here we compiled a small list of money lessons you’d do well to remember as you get ready for another year! Table of Contents1. Set financial goals.2. Seek financial help.3. Stick to a budget.4. Build or repair your credit.5. Protect your assets.6. Monetize your skills.7. Donate.8. Get debt in control.9. Invest in retirement.10. Understand taxes.11. Shop around for insurance.12. Find ways to grow your wealth.13. Do what you love. 14. Pay yourself back. 1. Set financial goals. Set realistic financial goals. It can be big (buy a car in five years), or it can be small (save enough money for a new smartphone by the end of the year). Whatever the goal is, be sure to keep it clear and strive toward it. You know that feeling you get when you accomplish a goal? It’s like winning the World Cup! 2. Seek financial help. They always say that no man is an island, and we can’t survive alone. This is very true when it comes to finances. Financial advice can help you manage our money better, and direct them to better outlets: a time-deposit account, a stock or bond investment, or even through real estate. Never be afraid to ask questions about your money! 3. Stick to a budget. Learn how to manage your finances. Budget your monthly salary…
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Top Industries with High Bonuses to Employees
- By Moneymax
- November 30, 2014
Not all employees receive a so-called Christmas Bonus, but everyone must receive a mandated 13th-month pay from their employers. According to Presidential Decree No. 851, all rank and file employees, regardless of status, who have worked for at least one (1) month are entitled to receive 13th-month pay. 13th months pay is computed from the amount of one’s basic salary divided into 12 months multiplied by the number of months an employee worked on that year. For instance, you are receiving a basic salary of P20,000 per month and started July on that year, you will receive P10,000 as your 13th-month pay for rendering six months as an employee. According to a report from Jobstreet.com.ph, there are specific industries who have been generous to their employees, giving regular bonuses on top of the 13th-month pay. Refer to this infographic:
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5 Things to Consider Before Buying Your New Home
- By Moneymax
- October 31, 2014
Who would not be excited at the thought of owning a new house? If you have the money, it could be all fun, but if you think it’s going to be a long and a big responsibility, there should be a lot of considerations to reflect on. Take time to review these reminders: Table of Contents1. Credit Management2. Home Loans Comparison3. Location-Hunting4. Potential Neighbors5. DownpaymentFinal Thoughts 1. Credit Management Do you think you can be approved for a home loan? Do you think you have a good credit history? Sometimes, we think that having no credit history is a good thing because you are not indebted to anyone. Little did we know that it is a gauging factor of how good of a borrower you are. When you apply for a home loan, your bank will request for any proof of billing. This should be a utility bill under your name, credit card billing statement, or an existing loan to know how much is left after all the bills from your income and to measure if you can pay the future home amortizations as well. 2. Home Loans Comparison Compare all the home loans in the market to know if you have the best deal fit for your budget, time and needs. Usually, you have to consider the monthly interest rates, review the tenure of your loan, along with other factors. Your home loan is one major part of the overall cost of your new home. 3. Location-Hunting The location of your future property is as important as the property itself….
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Living in Manila with P15,000 income
- By Moneymax
- October 28, 2014
Today, the minimum wage in NCR is at PHP 466 per day which is rough around PHP 10,000-12,000 monthly depending on the number of working days per month. People earning this range are mostly entry-level staff and those who provide general services in companies and government offices. Read more: Personal Budgeting Made Easy While some with better education for an entry-level earn more or some people who took time and performed well for a raise. Or for some business starters and freelancers who earn around PHP15,000. Here’s how to make your meager income enough to survive the everyday expenses: Table of ContentsChange attitude towards money.Adjust to what is constant.List down your expenses vs. your income.Maximize your resources and cut costsPut everything on paper (or on-screen.)Don’t forget to save. Change attitude towards money. For some, earning PHP 15,000 a month is just enough; for some, it’s an everyday struggle to actually make it to the next payday. The difference? Their lifestyle. People’s attitude towards money differs from how they were raised and how their way of life every day. To be able to achieve better results, be willing to change your routine for the better. Adjust to what is constant. You can’t change the fact that the minimum fare is at PHP 8.50 while the cost of fuel is around PHP 50 for gasoline. The prices of basic commodities are constantly fluctuating while your salary is steady. Though it’s never easy, you have no choice but to adjust the budgeting even if it means more expense to the constant income. List down…
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Miriam Barredo: Buying a Condo is not as easy as it seems
- By Moneymax
- October 15, 2014
For my first post here at MoneyMax.ph, I would like to share with you a personal experience when I and my husband planned to buy a condo for our retirement. May this serve as an eye-opener to anyone who plans to buy a condo for investment or otherwise. More than 3 years ago, while strolling inside SM North EDSA, an SMDC agent approached and showed us a pre-selling purchase plan for their Grass Residences Tower II. As you know, the package was attractive because it offered an interest-free installment plan on the 20% downpayment for 36 months plus a discount equivalent to the VAT. My husband and I are a middle-aged couple whose children have graduated from College. At that time of our life, we did not have any significant savings as our earnings were spent mostly on our children’s needs – education, food, shelter etc. Being car sales agents, our income was erratic so we saved when we could. However, these savings were always used up during lean months. The SMDC agent brought us to their model unit within the mall. We felt excited at being able to buy a small place of our own. Our most important question then was: Would he be able to get us an approved housing loan considering we’re sales agents with unstable income? His answer was logical: If you can pay the monthly installment for 36 months and has a good credit record for a loan, why not? We also viewed this purchase as a venue for investment, too. Instead of just putting all our savings…
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7 Investment Tips for Newlyweds
- By Moneymax
- October 10, 2014
Cheers to the newlyweds! You’ve gone through months (or perhaps even years!) of preparation for the big day and the wedding turned out to be even more fantastic as how you imagined it would be. Now that the wedding cake has been consumed and all the wedding gifts opened, it’s time to get serious and start planning that prosperous life you’ve envisioned for you and your future family. Here are 7 tips that could help you build wealth as you begin this new phase of your life: Table of Contents1. Start Getting Rid of Debt2. Set Your Investment Goals3. Invest Your Money Gifts4. Invest in Your Own Home5. Determine Your Investment Risk Appetite6. Invest Time Wisely7. Manage Your Investments 1. Start Getting Rid of Debt It’s always great to start married life with zero debt. If you took out a personal loan for the wedding, make sure that you are regularly paying that off, before you make another major purchase or investment. If you have any credit card debt, you should take steps to reduce this especially since interest payments can be significant and can be a drag on finances. 2. Set Your Investment Goals Setting an investment goal helps you better plan a way to get there. Is it to retire in 25 years? Is it to have enough funds for your future kids to go to college? Use this goal to draw up a dollar figure so you’ll have an idea of how much interest or profit you need to make from your investment. 3. Invest Your Money…
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Should You Merge Your Finances After Marriage?
- By Moneymax
- September 15, 2014
Generations ago, merging finances is not a problem. Maybe because before, the man is the one expected to work while the woman stays at home, managing the finances. Read More: 7 Investment Tips for Newlyweds Now, because of many complicating factors including Filipino families struggling to provide the needs of the family, equality of rights and responsibilities, and up to the extent of issues regarding men’s ego and women’s hormones, both parties need to work and will have each of their own sources of income. What comes after is the real deal. So should married couples merge their finances? The short answer is ‘Yes, but not all’. Here’s why: There are actually different answers as different solutions work for different couples. For instance, some people get married older than the majority. Then these couples or one of the two may be financially-established already so merging finances might seem like too much trouble, especially if there are no prenuptial agreements. Generally, it all depends on where you are financial as individuals – how much you trust each other, and how well your spending and saving habits blend. Let’s trim that out. Table of ContentsOn Trust…On Merging Accounts…On Merging Some, But Not All…On Making the Decision… On Trust… Blending your accounts doesn’t equate to trusting your partner or not doing so means you don’t trust them. Before you even think about marriage, one of the big questions is how well you trust your partner to manage your finances. If you don’t at all, or if you worry that your partner will send you…
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Beautify Your House on a Budget
- By Moneymax
- September 12, 2014
They say that no matter how unattractive the house is, as long as there’s a family in it, it’s already home – but who wants to say ‘No’ to a beautiful house? We know there’s always an itch in you to change something in your house – even for no reason. With a little budget and meticulous research, you can make your dream place possible. Start with these steps: Table of ContentsLiving RoomBath RoomKitchen and Dining RoomBedroom Living Room Make your sofa set the centerpiece of the room. Instead of buying expensive jars and tables, invest on a good sofa and enhance it with throw pillows with different sizes and covers. Create an artsy look by hanging pieces of affordable frames of varying sizes with your favorite portraits. Adorn your windows with vibrant curtains that will make your space in proper and natural lighting. Choose colors on your paint to transform your space to a modern look. If you have more on your budget, buy a carpet. Bath Room Spruce up your bathroom sink by placing a trendy fabric around the pedestal sink so as not to expose much of the plumbing. Put a small plant on it – choose plants that grow well on moist areas like lilies and ferns. If you also like it, embellishing a shower curtain can give your bath room its own personality. Kitchen and Dining Room If you have a small kitchen, go for hanging racks and open shelves to be space-saving. Dress up the chairs to give a homey, personalized look without blowing your…
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Money Tips for Single Parents
- By Moneymax
- August 6, 2014
Most people say that the hardest job you’ll ever have is to become a parent. It is not just a desk job that lets you work from 9 to 5. You are at this job 24 hours a day and 7 days a week. And it’s ‘double the trouble’ when you have to do it all alone. Read more: Single? 7 Awesome Ways to Spend Valentine’s Day Here are some of the easy-to-follow saving tips for single parents like you: Table of ContentsSavings for child care expensesShop onlineTrack income and expendituresTrim the expenditures for basic necessitiesGet insurance coverage for all your needs Savings for child care expenses Before you hire a babysitter, try to ask help from friends and relatives if they can take care of your kids while you are away from home. Raising a kid has a budget to consider like the babysitter fees. Babysitters are expensive nowadays, and trust is the biggest issue to consider. Shop online For hassle-free shopping, you can shop items from the Internet. You may avail the items you need on discount when you buy online than on physical stores. You don’t even need to waste gas or take a long trip just to get to the store and buy the stuff you want. You just need to complete the payment transaction by using your credit card. Read More: What is a Solo Parent ID and How Can I Get One? Track income and expenditures Knowing what, where, when, why, and how you spend your money can help you save. Are you the type of…
