All Articles With Author : Ricky Publico

The latest and the best financial news, tips and tricks.

Bad Financial Habits to Get Rid Of in the New Normal

Due to the COVID-19 pandemic, the country is currently undergoing a massive lifestyle change. From wearing masks to practicing social distancing, Filipinos have a lot of realities to face in the new normal, one of which is that we need to change our bad financial habits. Because one of these days, a cure will be made and the pandemic will be over. You don’t want to start your new lease on life with empty pockets, do you? Here are some of the bad financial habits you should get rid of in the new normal. Online Shopping to the Max While online shopping can certainly help you buy essentials without leaving home, some may use this as an excuse to splurge on sites like Lazada and Shopee. Whether it’s a form of defense mechanism[1] or not, spending all your money on online shopping will do you no good. And even if you have the means to do so, it’s still not wise to shop online just to feel better. Focus instead on essentials and save the rest of your money for emergencies. There’s always a perfect time to spend your money wisely, and during a pandemic is surely one of them. Read more: Best Credit Cards for Online Shopping Ordering Too Much Food The convenience of food delivery services is certainly not something to dismiss, but it’s not ideal to just order everyday. While delivery fees may look cheap, they accumulate overtime and can double your expenses without you knowing it. Why not cook your own food? You can have the ingredients…

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Affordameals Under P150: Cheap Food Delivery Options in the Metro

If there’s one good thing the new normal has brought us, it’s the normalization of food delivery services. Sure, the general community quarantine guidelines introduced more lax dine-in protocols, but nothing beats the convenience of having your food delivered at your doorsteps. But you don’t want to break on deliveries now, do you? That’s why you should check out these cheap food delivery options under P150. Cheap Food Delivery Options in Metro Manila Under P150 Ate Rica’s Bacsilog Where to Order: GrabFood, Foodpanda The Ate Rica’s Bacsilog craze that started as a humble food cart at De La Salle University[1] has become a national phenomenon. How can it not be when it’s packed with flavor for under PHP 100? If you’re looking for a quick bite before work, then check out Ate Rica’s roster of cheap meals. Cheap Food Delivery Options from Ate Rica’s Meal Price Bacsilog (Bacon + Sinaing + Itlog) P84 Tapsilog (Tapa + Sinaing + Itlog) P84 Footsilog (Footlong + Sinaing + Itlog) P84 Tocilog (Tocino + Sinaing + Itlog) P84 Hotsilog (Hotdog + Sinaing +Itlog) P84 Nuggetsilog (Nuggets + Sinaing + Itlog) P84 Cornsilog (Corned Beef + Sinaing + Itlog) P84 Tunasilog (Tuna + Sinaing + Itlog) P84 Bacon Omelette P104 Tapa Omelette P104 Footlong Omelette P104 Tocino Omelette P104 Hotdog Omelette P104 Nuggets Omelette P104 Corned Beef Omelette P104 Tuna Omelette P104 Combo Meal (Two Toppings) P118  Read more: Food Delivery Apps in the Philippines Binalot Where to Order: GrabFood, Lalafood Craving for more classic ulam for lunch or dinner? Just grab your smartphone and order…

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Moneymax Reviews: Keeping it Simple with a Citi Simplicity Card

You’ll never forget your first credit card. It’s the first taste of financial freedom, after all. No need to pay cash whenever you’re out. Just swipe away and boom, your needs are met. That’s why it’s important to keep the search for your first credit card hassle-free. You can’t just take whatever’s nearest. Sometimes, things just need to be simple. Enter Citi Simplicity Card. Your friends and colleagues have probably recommended this card to you countless times. Because whether it’s your first time applying for one or you just need an extra card that’s easy to acquire, this little card that will not disappoint. Need more proof? Check out this Citi Simplicity Card review. Citi Simplicity Card Terms and Conditions Getting to know your credit card is one important step in choosing one, and this includes studying its terms and conditions. Check out Citi Simplicity Card’s key features below. Citi Simplicity Card Features Annual fee: No annual fees for life! Interest rate: 3.50% Minimum monthly income requirement: PHP 15,000 (for existing credit cardholders) PHP 20,833.33 (for new cardholders) Cash advance fee: PHP 500 per withdrawal or 3% of amount Monthly minimum due: PHP 500 or 1% of amount due Late payment fee: None Overlimit fee: None Foreigh transaction fee: 3.525% of amount Card replacement fee: PHP 400 Read more: 8 Credit Cards with Easy Application Requirements Why Should I Apply for a Citi Simplicity Card? Notice anything different from Citi Simplicity Card’s key features? Don’t worry, your eyes aren’t deceiving you: there really is no annual fee for owning a…

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6 Ways Frugality Can Backfire On You

Being frugal is a good trait to have. But you know how things belong in a spectrum and focusing on either extremes isn’t a good idea? This also applies to frugality. If the other end of the spectrum is extravagance, frugality is equally destructive at the opposite end. But you might think that’s absurd. “You’re literally saving money by being frugal! How’s that going to affect me negatively?” Well, curious reader, here are some ways extreme frugality can sometimes cost you more than just money. Choosing Cheap Over Quality How many times have you chosen to buy something cheap over something of quality? Whether it’s on groceries, clothes, gadgets, or appliances, quality is often overlooked in favor of a low price tag. And since these items are cheap, they break after only a few days. And then you buy a cheap replacement, and then it breaks again, and the cycle continues. Wouldn’t that hurt your wallet more? Why not buy a quality product once and never worry about buying a replacement anytime soon? Now that’s a better money-saving move. Read more: 25 Online Grocery Stores with Delivery Services Relying Too Much on Coupons Ever used a coupon before? Usually, fast food chains offer coupons to attract more customers. And sure, these coupons can save you money. But if you’re choosing to eat where coupons are being distributed, then that’s not the right way to save money. How much more can you save if you cook your own meal instead of eating out? And even if you don’t have the time to…

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8 Best Credit Cards for Online Shopping in the Philippines

Online shopping has become the main option for shoppers in today’s COVID-19 reality[1]. By now, you should be looking for credit cards for online shopping to make the whole process more convenient for you. Fortunately, these credit cards aren’t that hard to find. To make it easier for you, we compiled the best credit cards for online shopping and what exactly makes them the perfect choice. Consider upgrading your shopping experience online with these credit cards. Best Credit Cards for Online Shopping AUB Easy Mastercard Want to maximize your online shopping experience without paying for annual fees? Then the AUB Easy Mastercard is your best bet. One great thing about owning this credit card is that you can choose how often you want to pay your credit card balance (monthly, bi-monthly, weekly) and how much you want to pay. If that’s not enough, you can easily earn one (1) rewards point for every PHP 20 spend on online and in-store purchases. Also, no annual fees forever. That’s always a plus. And to secure your online transactions, the AUB Easy Mastercard is equipped with Mastercard SecureCode, a one-time password (OTP) protocol that verifies every purchase. AUB Easy Mastercard Perks Choose how often and how much you want to pay Earn one (1) rewards point for every PHP 20 spend Mastercard SecureCode protocol for added security AUB Easy Mastercard Features Annual fee: Free for life Interest rate: 3.50% Minimum monthly income requirement: PHP 21,000 BDO Gold Mastercard If you’re interested in the more premium options for best credit cards for online shopping,…

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Moneymax Reviews: How Rewarding Is a Citi Rewards Card?

What’s the one thing first-time and veteran cardholders have in common? Their affinity for credit card rewards. One of the most popular rewards credit cards out there is the Citi Rewards Card. You could be searching for other cards, but Citibank’s reward-filled credit card has always been a good place to start. Fortunately, Moneymax has you covered with the first edition of Moneymax Reviews, where we take an in-depth look at credit cards and other financial products in the Philippines. And the first product to go under the microscope? You guessed it—the Citi Rewards Card. Find out more in this Citi Rewards Card review. Citi Rewards Card Terms and Conditions Every credit card comes with a set of terms and conditions, and the Citi Rewards Card is no different. It’s important to study them before applying for any credit card out there. Citi Rewards Card Features Annual fee: PHP 2,500 for principal cardholders (free for the first year) PHP 1,250 for supplementary cardholders (free for the first year) Interest rate: 3.50% Minimum monthly income requirement: PHP 15,000 (for existing credit cardholders) PHP 20,833.33 (for new cardholders) Cash advance fee: PHP 500 per withdrawal or 3% of amount Monthly minimum due: PHP 500 or 1% of amount due Late payment fee: PHP 850 Overlimit fee: PHP 750 Foreigh transaction fee: 3.525% of amount Card replacement fee: PHP 400 Read more: Applying for a Rewards Credit Card? Read This First What Rewards Can I Redeem with a Citi Rewards Card? Right off the bat, you can eliminate the possibility of paying annual…

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What Your Credit Report is Saying About You

You know those online quizzes where you answer a bunch of questions and you end up with a fictional character that will apparently say a lot about you? The adult version of that is a credit report. Your credit report takeaways will say more about you than your social media profile, your career achievements, and even other people’s perceptions combined. Why? It’s because a credit report contains information that will determine how good you are in “adulting.” And unlike online quizzes, the results are more accurate and the data is more grounded. Also, there are no fun questions to answer, but the result will definitely affect the quality of your life in a huge way. What Your Credit Report Says About You Simply put, a credit report is a document containing all your credit history, which includes your past, current, paid, and unpaid debt records. The Credit Information Corporation[1], among other credit bureaus in the Philippines, collects your personal and/or business accounts, loan accounts, credit card accounts, and installment contracts that will reflect both positive and negative data. They will then compile it into a report, give you a credit score based on your report, and send it to the financial establishment where you’re applying for a loan, insurance, or credit card. And just like online quizzes, you’ll eventually find out more about yourself through the following credit report takeaways. Read more: What is a Credit Report and Why Do I Need it? Credit Report Takeaways to Expect How Good You Are with Money Right off the bat, your credit report…

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5 Best Ways to Grow Your Extra Savings

Have you ever found a PHP 100 bill tucked inside your favorite jacket’s pocket by chance? There are moments in life where you sometimes get more than what you need. Have you thought about where you can save your extra money instead of spending it immediately? It’s okay if you haven’t. After all, you deserve to treat yourself once in a while. But in the spirit of being practical during a crisis, you can always choose to save and grow your extra money lying around. If you don’t know what to do with it, here’s a list of money saving ideas. Money Saving Ideas to Grow Your Extra Cash Keep It in Your Savings Account Say you saved a few bucks from your recent grocery run. Instead of doing your next online lockdown shopping spree[1], why not keep it in your account? One of the several money saving ideas is to keep your extra money in your savings account so it can at least grow a little. Regular savings accounts can earn you up to 0.25% per annum. Open a High-Interest Savings Account But if you want your extra savings to grow faster so you can navigate the new normal better, you need to put it on a high-interest savings account. It’s one of the best money saving ideas because digital banks in the Philippines offer the highest interest rates out there. These rates can go as high as 4% per annum, which will definitely fast track the growth of your money. Take for instance the ING Savings Account from…

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How to Make Your Very Own Financial Recovery Plan

The COVID-19 pandemic really did a number on everyone’s finances. From delayed paychecks to business bankruptcy, there’s no shortage of financial setbacks[1] in today’s economy. This would’ve been a good time to have a financial recovery plan to get you on your feet. It’s okay if you don’t have any right now—it’s not too late to start making one anyway. And even if you were one of the lucky ones who got to keep their jobs or source of income, you will still need your own financial recovery plan in the future. You’ll never know what catastrophic event lies ahead. It’s best to be prepared for such situations. Here are the things you need to get started. How to Build a Financial Recovery Plan Build an emergency fund If there’s a perfect time to make use of an emergency fund, it’s right now. Don’t wait for another pandemic to start building yours. As part of your financial recovery plan, start saving at least 10% of your monthly earnings as the foundation for your rainy day fund. To grow your money faster, open a high-interest savings account from digital banks using your smartphone. Read more: How the COVID-19 Pandemic is Changing the Way We Bank Apply for various valid IDs After the lockdown, focus all your efforts on applying for various valid IDs from government agencies. You will need these valid IDs for your financial recovery plan, which includes applying for loans, financial aids, and business recovery aids, among others. Start with easy-to-acquire IDs like a postal ID and TIN ID, and…

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7 Reasons to Get a Credit Card in the New Normal

The COVID-19 pandemic has forced everyone to change how they manage their finances. Digital banks became a trend, mobile wallets became a necessity, and personal loans became a commodity. But one financial product you shouldn’t ignore in the new normal is the trusty credit card. That’s right, you should apply for a credit card now. It might sound unnecessary at first, but credit cards are as essential as any other financial product right about now. Here are some of the compelling reasons why. Why You Should Apply for a Credit Card Now Save Money on Grocery Shopping Grocery shopping has become a sport in today’s new normal. Gone are the days when you can leisurely shop for groceries whenever you want. You need to schedule it (preferably once a week), prioritize the essentials, and shop faster to avoid the long lines. More importantly, you need to score the most savings if you want to keep up with the price hike on goods. That’s why you need to apply for a credit card now. Apply for rewards or cash back credit cards if you spend at least PHP 5,000 a week on groceries. Not only will you save money, you will also maximize your spending, courtesy of all the rewards points you can receive in a single grocery run. Buy essentials, save money, and earn rewards—all in one swipe. Read more: Cashback vs Rewards Credit Cards: Which Should You Get? 10 Credit Cards with No Interest in the Philippines Make Online Shopping Safer Shopping online has become a popular COVID-19 coping…

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The New Normal: What to Expect After the Lockdown

No one expected a pandemic to ruin everyone’s plans in 2020. And whether we like it or not, we can never go back to the way things were. COVID-19 changed the way we live in more ways than one, so much so that we are all forced to live “the new normal.” As early as now, you should familiarize yourself with these changes. The House of Representatives even filed a new bill to try and educate everyone on how to live the post-lockdown life. House Bill No. 6623 or The New Normal for the Workplace and Public Spaces Act of 2020[1] set some parameters to help navigate these uncharted waters. What exactly is the new normal and what can you expect from it? What is the New Normal? The Inter-Agency Task Force for the Management of Emerging Infectious Diseases (IATF) defines the new normal[2] as the “emerging behaviors, situations, and minimum public standards that will be institutionalized in common or routine practices” that will remain after the lockdown and while COVID-19 isn’t totally eradicated. These public standards include policies banning large social gatherings, requiring face masks, encouraging public distancing, among others. Basically, we have to minimize physical contact with others to avoid spreading the virus to everyone. In order to continue living under the threat of a pandemic, we need to follow the new normal guidelines. ECQ vs. MECQ vs. GCQ The IATF defined the four types of community quarantine currently enforced nationwide until May 31, 2020. Malacañang has since warned the public that there will be a stricter lockdown…

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Money Lessons I’ve Learned from Using a Money Management App

They often say millennials are too attached to their phones. How can we not when they help us in almost all the things we do in our everyday life? Case in point: keeping track of our spendings. Thanks to money management apps, we can easily sort out our financial lives. I would know, because I’ve been using a money app for the past two years. As part of my personal pledge to become a responsible adult, I started with using Money Lover[1], a money management app that tracks my expenses and helps me budget better. Needless to say, I learned a lot from recording every purchase I made, from big ticket items to the last centavo. Here are just some of them. See if you can relate. What I Learned From Using My Money App I developed better organizational skills. Because money management apps allow you to customize your expense categories, I added specific categories to make my expense reports more accurate. For instance, I have a category for every type of food establishment there is since I record my food expenses based on where I bought them. Organize your expenses properly for a more accurate reporting. I was forced to face my financial limits. I was a bit down during the first few months of using Money Lover. Not because the app didn’t work properly, but because it painted me a clearer picture of my financial status. And as it turns out, I’m not as financially flexible as I expected. While seeing negatives on my expense report bums me…

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Your Ultimate Guide to Using GrabPay Philippines

Here’s a bold prediction: Mobile wallets will be the trend in the new normal. Online payments will increase and stores will slowly offer more online payment methods to facilitate this. So as early as now, you should familiarize yourself with all the mobile wallet options out there—one of which is GrabPay Philippines. Even if you don’t use Grab services that often, know that you can do more with GrabPay than just pay for rides. Learn more about this mobile wallet in this extensive guide. What is GrabPay? GrabPay is a mobile wallet within the Grab app that lets you pay seamlessly for Grab services. Recently, they added more features to make it a more full-fledged mobile wallet. GrabPay is licensed by the Bangko Sentral ng Pilipinas (BSP). What Can I Do with GrabPay? Pay for Grab Services. If you use Grab services often, GrabPay allows you to pay for them easily, along with occasional discounts and promos. Pay for Purchases. You can now shop using your GrabPay as your payment method, both online and in-store, and get exclusive discounts. Pay Your Bills. You can now pay your bills as well, with over 20 supported billers. Buy Prepaid Load. You can also buy load from the Grab app, complete with the latest data promos for all networks. Earn GrabRewards. Now you don’t have to book rides to earn rewards. Just use GrabPay for your payments more frequently. Read more: Grab Insurance Guide for TNVS Operators in the Philippines How to Use GrabPay If you already have the Grab app[1] installed on…

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6 Credible Telehealth Services for Online Medical Consultation

There was a time not too long ago when seeking medical advice online was discouraged. It doesn’t help that false medical information continues to spread on social media to this day. But now that the COVID-19 pandemic forced everyone to stay indoors, getting a good online medical consultation has never been more important. Enter telehealth services. The introduction of telehealth services in the Philippines proved beneficial to Filipinos. Just like digital banks, these types of online medical consultation platforms are exactly what the public needs to get past COVID-19. Even the Department of Health has started boosting their telehealth efforts in an attempt to provide medical care to more Filipinos[1]. “DOH is maximizing the use of technology to connect the public with medical professionals, allowing them to secure medical advice without leaving their homes,” DOH Secretary Francisco Duque III said regarding their telehealth efforts. Choosing the right telehealth service will help you start living “the new normal” as healthy as possible. Read on to learn more about it. What is Telehealth? The American Health Resources and Services Administration (HRSA)[2] defines Telehealth as “the use of electronic information and telecommunication technologies to support and promote long-distance clinical health care, patient and professional health-related education, public health and health administration.” Basically, telehealth involves contactless consultation. Telehealth services in the Philippines make good use of technologies like the internet, landline connections, mobile apps, video conferencing, ride-hailing services, and others to address medical concerns with minimal to no physical contact. In short, telehealth allows you to seek online medical consultation and request immediate care…

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7 Questions to Re-Think Your Budget Strategy During COVID-19

From wedding plans to family vacations, almost everyone had to pause their way of life due to the enhanced quarantine. It may be a good idea to spend your free time re-thinking your budget strategy and assess whether you’re ready for any unexpected COVID-19 expenses. Ask these questions and use the answers to help build a better and more flexible budget strategy. Re-Thinking Your COVID-19 Budget Strategy How much do I really spend every month? After at least a month of being on lockdown, you probably noticed that your expenses have lowered. You’re not spending on transportation, for one, and you’re not eating out with friends, so that’s two. List down other obsolete expenses and see if you can completely eliminate them. You’ll never know how much you’re saving until you start auditing your budget. Read more: Financial To-Do List to Finish During the Lockdown What expenses should I prioritize? Do you have debts that need paying? Do you have bills that need settling? Do you have medical supplies that need maintaining? These are the things you should consider now that most things aren’t as accessible as they were. Choose an expense that needs prioritizing and dedicate a large portion of your budget to it. Ideally, the needs should be prioritized over wants. Read more: Pay Bills Online with These Convenient E-Payment Services Do I have enough source/s of income? Here’s another thing to consider for your COVID-19 budget strategy. If your company is allowing you to work from home, that’s great! But if you find yourself on the verge of…

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How the COVID-19 Pandemic is Changing the Way We Bank

If there’s one thing everyone can agree on, it’s that COVID-19 successfully hit the pause button of the entire planet. The world is dealing with a major pandemic years after the last one and once this is over, there will definitely be a new normal—from being more health-conscious to changing the ways we manage our finances online. Now more than ever, the benefits of online banking are hard to ignore. And because of COVID-19, more people will definitely be compelled to apply for an online banking account and manage their finances at home. Here are just some of the ways the global pandemic forced everyone to change the way they bank. Online Banking Transfer It’s not enough to have just one bank account. In fact, you should have an account for every purpose. Balancing two or more bank accounts means you have to do a lot of fund transfers from time to time. And since you can’t go outside to transfer money from one fund to another, having online mobile banking can solve your traditional banking problems. And it’s not limited to your accounts, too. You can easily send money to your loved ones via online fund transfer. Banks even lifted their transfer fees for the meantime so it’s more convenient now to fund any bank account. This will also change the way we deal with remittances as online internet banking won’t require you to fall in line. Read more: 6 Simple Ways to Earn Money While on Lockdown Deposit Check Online Every payday, lines form in front of banks…

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A Guide to Paying Electricity Bills with Meralco Online

Don’t you just hate it when the Meralco billing comes and you have to go out and line up to pay for it? How many interrupted viewing or gaming sessions have you endured just to settle your electricity bills? Well now you’re free from all that, thanks to Meralco Online. Learn more about its features and benefits in this extensive guide. Meralco Online Features and Benefits Meralco Online is your one-stop shop for managing your Meralco connection. Using a smartphone or desktop, you can access all its features online, from paying your bills to reporting a power outage in your area. Paperless Online Billing. You don’t have to wait for your bill to arrive at your doorsteps. Access your current bill and your bill history in just a few clicks. Flexible Online Payment. No need to head out and wait in line to pay for your power bill. Just pay online through various online payment channels. Meralco Appliance Calculator. Monitor your power usage by calculating the kilowatt hour (kWh) of each appliance in your home. This feature is exclusive to the Meralco app. Apply for Meralco Service. You can even apply for a Meralco service directly through Meralco Online. Power up your new property in just a few clicks. Report Power Outages. Don’t let an unannounced power outage get you down. You can report your power concerns through their 24/7 customer service desk. Meralco Power Alerts. Get the latest updates and announcements from Meralco delivered straight to your smartphone. Read more: Pay Bills Online with These Convenient E-Payment Services Meralco…

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Financial To-Do List to Finish During the Lockdown

You know those tasks you put aside and promised to accomplish when you have the time? The lockdown just gave you a chance to finish all of them. And since it won’t end anytime soon, you still have plenty of time to work on these financial back burners for you to have a better financial standing post-lockdown. Consider this as a wake-up call to get going. Open a second (or third) savings account Having an account solely for your payroll isn’t enough. You need to add more baskets to place your eggs in, and opening another savings account should be one of your lockdown goals. With a new account, you can start building up your savings, an emergency fund, or a vacation fund. In fact, open a savings account for each goal to help you manage your earnings. Despite the lockdown, banks have kept select branches open for all types of transactions, so you can go ahead and open an account from there. But if you don’t want to risk it, you can also open a digital bank account right from your home using your smartphone. Either way, you can easily open another bank account so get started while you still have this free time. Read more: 6 Simple Ways to Earn Money While on Lockdown Calibrate your money management app How many times have you promised to start using a money management app? If you’re always finding yourself penniless mere days after payday, then you really need to keep track of your expenses. Technology already made it easy for you,…

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Lazada Loans: What Online Shoppers Need to Know

Online shopping has never been this essential lately, and it’s safe to say that Lazada helped provide a convenient platform for Filipinos to shop for their needs. Another great deal of help they’re providing is their newest Lazada Loans feature, where shoppers can apply for a short-term loan for Lazada purchases. Here’s a guide to help you understand further. What is Lazada Loans? Launched last year during the Lazada 9.9 Sale[1], Lazada Loans provides shoppers with an alternative way to pay for their online shopping, may it be for gadgets or grocery items. Lazada partnered with accredited mobile lenders to make this feature possible. Lazada Loans allows shoppers to buy now and pay later with easy installment plans minus the credit card requirement. You can apply for a loan directly through the Lazada website or app and have your application approved within the same day. Once approved, you can use the loan amount to buy items from Lazada or pay your bills within the app. Read more: Lazada vs Shopee: Which is the Better Online Shopping Site? Lazada Loans Features and Benefits If you’re planning to make a small-ticket purchase, Lazada Loans can help you fund it. You can borrow money as high as PHP 50,000, depending on the lender. Easy Application. The entire process happens within the Lazada app. No need to head somewhere to apply and withdraw your proceeds. Low Interest Rate. The lowest interest rate clocks in at 3.98% but they also have a 0% interest rate promo that will run for the entire month of April….

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6 Simple Ways to Earn Money While on Lockdown

The global pandemic may have taken away some of your freedom, as most people are now advised to just stay at and work from home. While it is totally understandable to use some of your free time to relax and chill, you might also want to consider exploring more ways to earn money from home. The extra funds may come in handy for a future spend or an emergency. Here are some tips to get you started on opportunities online that will help increase your cashflow: 1. Start an Online Prepaid Loading Business The lockdown has sent most employees working from home, with a sizable number relying on mobile data to try and save money from monthly internet plans. Corner this segment of the market by providing an online loading service. Most mobile wallets offer discounts and cashback on prepaid load, so start advertising your service by telling everyone you know through messaging apps. Read more: 8 Smart Ways to Earn Money Online Using Your Smartphone 2. Find Freelance Jobs Here and Abroad Freelance jobs have become increasingly in demand these days since most countries have already implemented their respective lockdowns. Search for freelance opportunities here and abroad so you can guarantee that you will earn money from home. Popular freelance jobs include blog writing, transcription services, online tutoring, and virtual assistant, among others. 3. Sell Your Old Stuff and Have Them Delivered If you want to declutter and earn money from home at the same time, start selling secondhand items online. You can post your items on popular social…

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