Start Your 2022 Right with These Financial New Year’s Resolution Ideas

Another challenging year came to pass. Naturally, all of us want a fresh start to attract good vibes this 2022. Last year will definitely be remembered as a year that pushed everyone’s finances to the limit. But hey―with the new year comes another opportunity to look at our financial wins and losses and make that much-needed New Year’s resolution list. What’s a new year’s resolution, really? It’s simply a promise or commitment that you make to yourself to quit bad habits or start doing something differently to make a better version of yourself or to improve your life.  For most of us, it’s harder than it sounds. But check out these New Year’s resolution ideas below to help you come up with your own 2022 resolutions. Or you can just pick the best financial new year’s resolutions from this list to help turn your financial situation around and achieve your money goals. The Best Financial New Year’s Resolution Ideas This 2022 If you always make the most common New Year’s resolutions, it would be so easy to lose interest and completely forget about them just a few days into the new year. So make them more specific and attainable (unrealistic goals will only stress or disappoint you). And as much as possible, work with a realistic timeline. Here are some New Year’s resolution ideas that may work for you this year.  1. Set Realistic Financial Goals Setting a realistic financial goal will not only prevent you from being frustrated or disappointed when you don’t achieve them. It will also remove…

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Best Health Cards for Senior Citizens in the Philippines

Isn’t it ironic that most health insurance companies end their coverage when you reach the age of 65? But at 65, you start to feel different aches and pains in your body. You’re also not earning as much as you used to. This is why when you’re a senior citizen, you need health coverage more than ever. But that’s the sad reality for many elderly Filipinos. They end up paying for checkups, hospital confinements, and surgeries with their own money. It may be hard to find a health card for senior citizen in the Philippines that provides health insurance coverage and medical benefits. But thankfully, there are still great options available. As senior citizens become more prone to illnesses and injuries, health cards should also offer better medical benefits. If you’re looking for an HMO for senior citizens, we have rounded up a few in this article.  What is an HMO Health Card?  HMO stands for Health Maintenance Organization. It’s a network or organization that provides health insurance coverage for a monthly or annual fee.[1] Premiums for HMO health cards are usually paid on a monthly or annual basis. Also, you can only receive services or get consultations from doctors within the HMO’s network.  For example, you don’t need to pay consultation fees if you consult with an accredited physician. However, you’ll need to pay if you consulted an unaccredited doctor. The same applies when you go to a clinic or hospital that’s not affiliated with your HMO. What is the Difference Between a Health Card and a Health Insurance? …

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How This Young Couple Built Their Dream Home in the Middle of a Pandemic

It was the height of the COVID-19 pandemic, and she just gave birth to her first child. But Moneymax’s Senior SEO Specialist Pierre Angela Salonga and her husband John were still able to build their dream house in Malolos, Bulacan. Their simple dream home is a beautiful 90-sqm bungalow that sits on a 150-sqm lot in Atlag, Malolos City. Pierre and John opted for a Western-style design with two bedrooms, a one-car garage, and a pocket garden.  It was a scary time to embark on a major financial endeavor. Despite the pandemic, everything just fell into place for Pierre and her family. Read her full interview here about their smart steps to building a house and what it’s like to do it in the middle of a pandemic.   Steps to Building a House: How We Built Our Dream House  What was your living situation before you moved to your new house?  Before I got pregnant with my son Juan Gabriel, or Gab-Gab, we lived with my parents. Then after I gave birth, we moved to an apartment that my husband’s parents were renting out and stayed there until our dream house was finished.  Even if we were living in the apartment rent-free―at my in-laws’ insistence―we wanted a place we could call our own. We wanted our own home.  “We wanted a place we could call our own. We wanted our own home.” Why did you choose Malolos, Bulacan to build your dream house in? My husband and I are both from Bulacan. I grew up in Calumpit, and he grew…

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10 Credit Card Christmas Promotion Offers for Your Holiday Shopping and Dining

The holiday season in the Philippines is all about celebrations, bonding activities, and gift-giving with family and friends—before and even in the new normal. It also means more expenses! But you can ease up your budget by taking advantage of credit card Christmas promotion deals and offers. Here’s a round-up of the most exciting credit card Christmas promos for December 2021 and beyond. Credit Card Christmas Promotion Offers for Shopping Free P2,000 GCash from Moneymax The holidays just got exciting at Moneymax! Apply and get approved for any Citibank credit card on the Moneymax website and receive free PHP 2,000 GCash. Promo runs until December 31, 2021, so hurry with your credit card application! Free AirPods from Moneymax Your Christmas is about to be merrier when you apply and get approved for a Citi credit card through Moneymax. Aside from all the gifts you’ll get from your loved ones this year, you’ll also receive a free pair of Apple AirPods from Moneymax as a welcome gift! This promo runs until December 31, 2021 only. Luckily, Citibank has easy easy credit card application requirements. Now go and apply for a Citi credit card today! Free Landers Membership for One Year Eligible RCBC credit cards: Classic Card Flex Gold Visa Zalora Credit Card AirAsia Credit Card UnionPay Diamond Card JCB Platinum Black Card Platinum Mastercard Visa Platinum Promo period: Until December 31, 2021 Here’s a reason why you should use your RCBC Bankard credit card for your holiday shopping at Landers. For a minimum single-receipt purchase of PHP 5,000 from now until…

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Handy List of Holiday Mall Hours for Hassle-Free Shopping

The holiday season has officially begun. It seems like things are going back to normal with the easing of COVID-19 quarantine restrictions in the metro. People are trooping back to the malls to do their holiday shopping and to buy their noche buena ingredients in the supermarkets. Minimize the stress that comes with holiday shopping by planning your schedule before heading to the mall. Fortunately, mall operating hours in Metro Manila have been adjusted to open earlier at 10 am on weekends and holidays. According to the MMDA, this will help ease traffic in the metro this Christmas season.[1] So check out this list of holiday mall hours in Metro Manila for 2021. December 2021 Mall Hours in Quezon City Ali Mall, Farmers Plaza, and Gateway Mall Operating Hours December 10 and 11, 17 and 18 11 am to 10 pm (retail/services) 11 am to 10 pm (F&B and restaurants) December 24 and 31 11 am to 7 pm (retail/services) 11 am to 10 pm (F&B and restaurants) December 25 12 pm to 9 pm (retail/services) 11 am to 10 pm (F&B and restaurants) Rest of December: 11 am to 9 pm for retail/services and 11 am to 10 pm for F&B and restaurants January 1, 2022 12 pm to 9 pm (retail/services) 11 am to 10 pm (F&B and restaurants) January 2, 2022 onwards Sunday to Thursday: 10 am to 8pm (retail/services) and 10 am to 9 pm (F&B/restaurants) Friday to Saturday: 10 am to 9pm (retail/services) and 10 am to 10 pm (F&B/restaurants) Read more: Are you Financially…

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10 Important Money Lessons from Money Heist

Can you recite all the Money Heist characters’ names without skipping a beat? What about describing all the Money Heist deaths in great detail? Are you the unofficial Money Heist meme sharer in your group chat? Congratulations, you’re a certified Money Heist fan!  We strongly urge you not to plan your own bank heist, now or in the future. But you can indulge yourself in these key takeaways from the show, especially when it comes to money and a little bit about life, too. What is Money Heist About? The hit Netflix show is about a group of robbers with different backgrounds recruited by The Professor, a brilliant and unassuming man, to help him carry out a heist in the Royal Mint of Spain (their first). Each heist crew is also given a nickname, specifically famous cities in the world: Tokyo, Moscow, Berlin, Nairobi, Rio, Denver, and Helsinki. More members join the team as the show progresses, with bigger heists and bigger stakes. But more than the elaborate plot to rob banks, outsmart the police, and lay out escape routes, Money Heist also has a lot to teach us about money and life in general.  And while you’re at it, take out your earphones or speakers. Play this Money Heist playlist as you relive the episodes in your head and read the rest of this article! 10 Money Lessons We Learned from Money Heist Here are just some of the Money Heist lessons we’ve learned from watching all the heart-pumping and nail-biting episodes. 1. Capitalize on Your Strengths So what’s…

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12.12 Sale Alert! Check Out These December Deals from 15 Websites and Apps

Shopping for gifts this Christmas? Or perhaps you want to treat yourself to some clothes and shoes? Satisfy your shopping and dining cravings and save some money this month with the much-awaited 12.12 sale online. Here’s a roundup of various 12.12 online sales that you shouldn’t miss this holiday season—we’ve got electronic deals, fashion deals, and furniture deals online. Check them out! 12.12 Sale in the Philippines: Best Deals to Check Out This Year Lazada 12.12 Grand Christmas Sale Sale period: December 12 to 14, 2021 Get awesome discounts on Lazada’s 12.12[1] online sale this year. Grab the best deals on beauty, gadgets, home, and even pet care when you shop at LazMall. Enjoy free shipping with no minimum spend, and get Lazada Bonus vouchers with every PHP 600 spend. Start adding to cart from December 5 to 11, and check out from December 12 to 14. There are also daily flash sales happening on the Christmas Sale, so don’t miss out! Best Deals from Lazada 12.12 Up to 90% off PHP 60 off Lazada Bonus voucher with every PHP 600 spend Free shipping with no minimum spend Exclusive Brand Mega Offers Collect raffle entries for a chance to join and be the next Lazada Millionaire Exclusive free gifts when you check out with your credit card Read more: Ask Moneymax: What are My Rights Under Consumer Act of the Philippines? Shopee 12.12 Big Christmas Sale Sale period: December 12 to 15, 2021 Are your wallets ready for your next budol? Gear up for the grandest, biggest, and most exciting…

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The Great Credit Card Welcome Gift List in 2022―Don’t Miss Out!

To entice Filipinos to apply for a credit card, banks in the Philippines offer exciting credit card welcome gift options on a regular basis. From electronic gift certificates and cash rebates to waived annual fees, you’ll want to apply for all the credit cards just to get the welcome gift! But the caveat is you can qualify for these welcome gifts only if you’re a new-to-card or a new-to-bank applicant. This means that you don’t have an existing credit card with that particular bank yet.  Moreover, some banks require new cardholders to meet a required spending amount within a certain period to receive the welcome gift.  If you’re shopping for a new credit card, check out this credit card welcome gift list and see if you’re eligible for the following credit cards!  Apply via Moneymax and Get These Credit Card Welcome Gifts Citibank Credit Card Free Gift: Marshall Emberton Speaker or Marshall Major IV Headphone A GCash voucher you can use for online payments or a coffee machine that can brew barista-quality coffee at home? Choose your exclusive Moneymax welcome gift when you apply for a Citibank credit card and get approved.  Sign up for any of these Citi credit cards until January 31, 2022 to get a free Marshall Emberton portable Bluetooth speaker (worth PHP 8,790) or a free Marshall Major IV headphone (worth PHP 8,690). Citi Simplicity No annual fees, no overlimit fees, and no late payment fees Citi Cash Back Card Up to 6% cash back on supermarket purchases and up to 2% cash back on monthly…

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Exciting Citibank Credit Card Promo Offers to Check Out This Year

Good news for Citi credit cardholders out there: Citibank didn’t spare any expense when it comes to its exclusive deals this year. You’ll definitely want to avail of these Citibank credit card promo offers before they expire. So what are you waiting for? Check out our curated list of the best Citibank credit card promos in 2021 and take your pick! Citibank Credit Card Promo Offers for New Cardholders Moneymax Citi Marshall Emberton/Major IV Promo Eligible cards: All Citibank credit cards Promo period: Until January 31, 2022 Being a new Citi credit cardholder has never been sweeter. Aside from enjoying Citi perks and privileges, you also get a free Marshall Emberton portable Bluetooth speaker (worth PHP 8,790) or a free Marshall Major IV headphone as a welcome gift! Enjoy superb audio quality while listening to your favorite tunes on the go with a Marshall speaker or headphone. Apply through Moneymax and get approved for a Citi credit card today! Click the promo terms and conditions for more details. Citibank Credit Card Welcome Gifts Apply and get approved for the following Citibank credit cards until February 28, 2022 to receive the following welcome gifts:[1] Prestige Card – PHP 18,000 eGift PremierMiles Mastercard – 30,000 miles Rewards Mastercard – No annual fee Cash Back Mastercard – PHP 5,000 eGift Shell Citi Card – PHP 5,000 rebates Mercury Drug Citi Card – No annual fee Citi Grab Card – PHP 5,000 GrabPay credits Use your new Citi credit card within 60 days from card approval and make sure to meet the spend requirement…

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Dream Intimate Wedding with a P100K Wedding Budget in the Philippines? Yes, It’s Possible!

Ever since the pandemic, it’s been hard to imagine having a wedding with 200 guests. Suffice it to say, big flashy weddings won’t be happening anytime soon. But it’s not a totally bad thing for couples planning to get married.  If you have a PHP 100K wedding budget in the Philippines, you can have an intimate wedding filled with meaningful moments with your loved ones. When it comes to weddings in the new normal, less is definitely more.  Intimate Wedding with P100K Wedding Budget in the Philippines? Here’s How to Achieve It There are many advantages to having a low-budget wedding in the Philippines. For one, you can allocate your budget to wedding elements that are really important to you. With a small wedding, you can also enjoy the full wedding experience from start to finish. Follow these tips to achieve a simple wedding in the Philippines. Keep Your Guest List Small  The smaller your guest list, the smaller your wedding expenses. Plain and simple. A micro wedding in the Philippines has no more than 50 guests. However, you can still trim down your guest list if you really want to. Just invite your immediate family members and closest friends.   Get Married on a Weekday There’s tough competition when you set your wedding on a Saturday during peak wedding season. Saturday is the most popular or in-demand day to get married, and December is the peak wedding season in the Philippines.  But if you get married in the middle of the week during the off-peak wedding season, then you’ll have…

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Luxuriate for Less: Here’s How to Pamper Yourself on a Budget

Since we’re working from home in this pandemic, most of us have been struggling to draw a line between work and personal life. It’s also been challenging to go on vacations because of quarantine restrictions and health protocols.  When days are tough and our bodies and minds are exhausted, it’s important that we engage in self-care routines to reduce our stress, increase our energy levels, and inject happiness in our lives. The good news is that you can do it without having to spend a lot of money.  If your pamper day is coming up soon, here are some great ideas and tips on how to pamper yourself on a budget. How to Pamper Yourself on a Budget: 7 Ways to Treat Yourself We’re blessed with a simple Filipina beauty that’s natural and striking yet low maintenance. But there will be days when the stress and exhaustion catch up to us and eventually show on our faces and be felt by our bodies. When this happens, we may not always be able to afford treating ourselves to something nice and relaxing. Thankfully, there are easy and inexpensive ways to do it. Here are a few. Clear Your Space If you can’t relax when you see litter or clutter around, then you’ll have to do a bit of cleanup first before you start off with your pamper day. If not, you’ll find it hard to get in that relaxed zone knowing your place is a mess.  So do a quick tidying up―fix the bed, clear the table, arrange your desk, take out…

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Practical Money Strategies for Single Parents in the Philippines

While money can’t buy happiness, it certainly does make life easier, especially for single parents who have mouths to feed and bills to pay. The struggle to manage finances as a single parent in this pandemic has never been more real. One money mistake can seriously set you back and affect your cash flow.   Moneymax recently asked three single parents for their top money strategies to help out other single parents who are struggling financially during this pandemic.  Pearl Gonzales is the Co-General Manager of Moneymax. At 39, she’s a proud single mom to Jenson, 17 and Jacob, 11. Her monthly budget is around PHP 52,000.  Rina Ballesteros is a 37-year-old single mom and the Head of Telesales at Moneymax. She has a 16-year-old daughter, Helaena Rianne, who’s currently attending senior high school at De La Salle Lipa. Rina has a monthly budget of PHP 66,500. Ross Leonardo is a 39-year-old single dad working as an Account Development Executive at American Express. He has two boys: Elijah, 16, and Israel, 3. He spends around PHP 60,000 monthly for necessities and utility bills.  3 Single Parents in the Philippines on Managing Finances with Single Income If you’re a solo parent, you probably have a lot of questions about making a single-income budget work. Here are a few money tips from three single parents in the Philippines.   1. Set a Budget This is perhaps one of the most important single parent budget tips you should take to heart if you want to manage your money well. Aside from helping you create a…

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Looking for the Best SUV in the Philippines? Here are 9 Great Options

With the number of kamote riders and drivers in the Philippines, it’s no surprise that a lot of Filipinos want to own a sport utility vehicle or SUV. After all, compared to compact cars and sedans, SUVs can handle most―if not all―types of roads and driving conditions in the country.  There’s also a sense of safety and security when you’re driving or riding in a big vehicle like an SUV. Probably because you can see and protect yourself and your passengers from the perils on the road with all the technology and safety features that come with an SUV.     So if you’re planning to purchase an SUV and want to know what’s the best SUV in the Philippines, you may find it on this list.   What is the Best SUV in the Philippines? Curious to know what the best SUV in the Philippines is this 2021? Also, what’s the cheapest SUV in the Philippines? Everyone has different tastes when it comes to their rides. At the end of the day, you decide which SUV is the best for your needs, your lifestyle, and most importantly, your budget. Here are some options to help you decide. Suzuki Jimny   Price: PHP 1,095,000 to PHP 1,205,000 Key Suzuki Jimny Specs: Body type: Mini SUV Seating capacity: 4 Transmission type: Manual and automatic depending on the variant Engine: 1.5L K15B Engine, 4 Cylinder, 16 Valve Performance: 75 kW/6,000 rpm, 130 Nm/4,400 rpm Fuel type: Gasoline Dreaming of going on an adventure with your car where the roads are rocky and muddy, only to be…

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BPI Credit Card Promo Offers: Check Out These Shopping, Lifestyle, and Travel Deals

Just like that, 2021 is nearly over—this means you have only about three months left to enjoy your credit card promos this year. Take advantage of owning your card by availing of these exclusive BPI credit card promo offers. BPI Credit Card Promo Offers for Shopping Free P3,000 eGC Eligible cards: BPI Amore Cashback, Amore Platinum, Visa Signature CardPromo period: Until October 12, 2021 (redemption until December 11, 2021) Register, shop with your BPI credit card, and meet the minimum accumulated spend requirement of PHP 100,000 (straight or installment) to get a PHP 3,000 eGC.[1] Track your spending progress and redeem your eGC via the eGC Hub. So shop and spend to get eGCs from your favorite dining, electronics, health and wellness, home, and shopping establishments! Read more: Quick and Easy Guide to BPI Credit Card Application Up to 10% Off at Zalora Eligible cards: All BPI credit cardsPromo period: Until December 31, 2021 When you look good, you feel good. No truer words than these, especially when everyone is cooped up at home with nowhere special to go. Go ahead and take advantage of the 20% discount when you shop for the first time at Zalora. There’s no minimum spend requirement. Just use the promo code BPI2021 when you check out with your BPI credit card. Existing Zalora customers can also enjoy 18% off with a minimum spend of PHP 1,000. 10% Off at Fresh & Green Eligible cards: BPI Blue Mastercard, Gold Mastercard, eCredit Mastercard, Petron-BPI Mastercard, Edge Mastercard, BPI Family Bank MastercardPromo period: Until December 31, 2021 Need to replenish your pantry and stock…

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15 Exciting Security Bank Credit Card Promo Offers You Shouldn’t Miss

We’re almost at the end of a very long 2021. It’s safe to say that you deserve to treat yourself for surviving yet another grueling year of hardships and triumphs. But don’t splurge on your savings just yet. Why not check out these Security Bank credit card promo offers? That’s right, if you’re a Security Bank credit cardholder, you still have a lot of promos to take advantage of before the year ends. So sit back and start planning your shopping sprees and staycations with these exciting offers. Security Bank New Credit Card Promo Eligible cards: Security Bank Mastercard Classic, Gold, Platinum, World, and NextPromo period: Now until September 30, 2021 All newly approved cardholders of the eligible credit cards will get the chance to win up to PHP 700 worth of SM, Shakey’s, or Shopee eGCs through a digital Spin the Wheel.[1] The minimum spend requirement (single or accumulated) is PHP 10,000, with a minimum amount of PHP 2,000 per transaction. The spend period is until November 30, 2021. Read more: Security Bank Credit Card Application Guide: How to Get One in 5 Easy Steps Security Bank Dining Promo Offers Free Seafood Jambalaya at Gumbo Eligible cards: All Security Bank credit cardsPromo period: Now until December 31, 2021 Get a free Seafood Jambalaya worth PHP 475 when you spend at least PHP 1,000 on food and drinks at Gumbo with your Security Bank Mastercard. You can enjoy this freebie for both dine-in and take-out transactions (minimum PHP 1,000 single-receipt purchase on food and drinks). So drop by at Gumbo’s Robinsons Magnolia…

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Looking for the Best Personal Loan in the Philippines? Check Out These 7 Great Options

When times are hard and the future is uncertain, a personal loan can be very beneficial in expanding our source of income and managing our cash flow. It’s a quick and easy financial solution for our many money woes.  But with so many top loan providers in the Philippines, choosing which one to apply for can be time-consuming. That’s why we came up with this list to help you find the best personal loan in the Philippines for your needs. Learn more about each loan product’s features and benefits and what loan purposes they’re ideal for.  What’s the Best Personal Loan in the Philippines? How do you choose a personal loan that’s right for your needs and your budget? Here’s a rundown of where to borrow money in the Philippines that can help you with your cash emergency.  ☑️ EasyRFC Multi-Purpose Loan 📌 Best online loan for emergencies Loan amount: PHP 10,000 to PHP 150,000 Minimum annual income: PHP 120,000 Monthly interest rate: 4% Loan terms: 3 to 12 months The EasyRFC Multi-Purpose Loan is an online loan that can be very beneficial these days. Because you can apply for RFC online, it’s a very safe, quick, and convenient way of borrowing money.  You can borrow up to PHP 150,000 and enjoy flexible payment terms of up to 12 months. It also offers a 4% monthly interest rate.  So whether it’s for renovating or repairing your home, paying for your child’s tuition and other school expenses, or settling your medical bills and other emergency expenses, the RFC personal loan is…

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How to Make Extra Money with Your Car: Success Stories of Pinoy Car Owners

Curious to know how to make extra money with your car? There are many ways to earn income using your car, but a lot of Pinoys may be thinking it’s easier said than done.  Well, not for these car owners who managed to successfully earn a living with the help of their cars. Get to know their stories, know the pros and cons, and learn from their helpful tips to succeed in this endeavor, just like they did.  4 Car Owners Share Tips on How to Make Extra Money with Your Car Richard and Gemma Rejuso, Kape Kalye Owners Two years ago, Richard Rejuso and his wife Gemma bought their Toyota Wigo so that they’ll have a more convenient way to travel to work.  Back then, Richard was working as a barista in a small local coffee shop in Quezon City. But this barista stint didn’t last long because the coffee shop soon folded up. Richard had to look for another job, eventually landing one at a lending company.  And then the pandemic hit. He realized that their income was no longer sufficient, even with his wife’s full-time income as a supervisor in a hardware company. So he took inspiration from some people he saw on the street operating a mobile coffee shop using just their mountain bikes.  “Naisip ko mountain bike pero napagkakasya nila ang mga gamit. Nakakapag-set up sila ng ganito. Paano pa kaya yung sa amin na medyo malaki-laki ng konti?”  Armed with Richard’s barista training and his coffee shop experience—plus their hatchback—the couple set up their…

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I Love You, Goodbye: The Cost of Annulment in the Philippines

So you married the person you thought you’d spend the rest of your life with. But after a few years, reality reared its ugly head. Now you’re trapped in a bad, miserable, and problematic marriage that can only be ended by an annulment. But with the steep annulment cost in the Philippines, not everyone can afford it. Not to mention the lengthy and oftentimes torturous process can take a toll on your mental and emotional well-being.  How much is an annulment in the Philippines, and how do you file for one? Learn more about it in this article.   What is Annulment? An annulment of marriage is a legal decree that a marriage is null and void.[1] In an annulment, the marriage is considered valid until declared void.[2] You can file for an Annulment of Marriage if the marriage is valid and it meets the conditions that will legally annul the marriage. Otherwise, you can file a Declaration of Nullity of Marriage. This is for marriages that are invalid or void right from the start because of conditions that were present even before the marriage took place. Read more: 7 Signs You’re Not Ready to Get Married Yet What are the Grounds for Annulment of Marriage? The following causes can have your marriage annulled if they exist or are present at the time of the marriage:[3] Absence of parental consent Unsound mind Consent was obtained by fraud Consent was obtained by force, intimidation, or undue influence Impotence Sexually Transmissible Disease (STD) What are the Grounds for the Declaration of Nullity of…

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How to Finance Your Child’s College Education? Hear It From These Amazing Single Moms

A child finally graduating from college is as much an achievement for parents as it is for the graduate. It’s the culmination of a parent’s years of hard work and sacrifice. So they deserve to share the spotlight and celebrate with pride and joy, especially when they’ve single-handedly paid for their children’s education.  These two moms certainly know a lot about this particular struggle because they’ve gone through it themselves and emerged successful. If you want tips on how to finance your child’s college education, moms Livia and Euge have a lot of good advice and noteworthy education success stories to share.  How to Finance Your Child’s College Education: Success Stories of Two Single Moms Euge Alarcon-Montero, Devoted OFW Mom Being a mother is a tough job. What more being thousands of miles away just to provide for your child?  For the last 16 years, Euge Alarcon-Montero has endured being away from her only son Neal Alarcon, working as a respiratory therapist in Riyadh, Saudi Arabia. But it wasn’t a decision that she came to easily. Just the thought of being separated from Neal filled her heart with so much pain and anxiety. She was plagued with endless questions, like who would take care of him, and would he still grow up a good man, even if she’s far away?  Euge was only 24 then, with very few options. But she knew she wanted to give Neal a good life and a good education. So when she received an offer to work abroad, with a salary that’s almost three times…

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UnionBank Credit Card Promos: 18 Exciting Deals and Discounts This 2022

Curious to know what UnionBank credit card promos you can avail of today? You’re in luck because we’ve rounded up the most exciting UnionBank credit card offers exclusively for UnionBank credit cardholders. Whether you’re looking for a really cool welcome gift or exciting deals on dining, travel, or shopping, UnionBank has one for you.      UnionBank Credit Card Promos for New Cardholders  P5,000 Rebates or Up to 60,000 Points  Eligible cards: UnionBank PlayEveryday Visa, Miles+ Platinum, and Visa GoldPromo period: Until August 31, 2021 Apply for a PlayEveryday Visa, Miles+ Platinum, or Visa Gold credit card and receive up to PHP 5,000 rebates or up to 60,000 points.[1] To receive the rebates and points, here’s how much single or accumulated retail spend you need and how much rebates or points you’ll receive per UnionBank credit card:  Play Everyday – PHP 20,000 spend = PHP 3,000 rebates or 60,000 points Visa Gold  – PHP 30,000 spend= PHP 4,000 rebates or 30,000 points Miles+ Platinum – PHP 40,000 spend = PHP 5,000 rebates or 40,000 points You should also download the UnionBank mobile app and sign up for an account. P5,000 Worth of S&R E-Vouchers Eligible cards: UnionBank PlayEveryday Visa, Miles+ Platinum, and Visa GoldPromo period: Until August 31, 2021 Receive up to PHP 5,000 worth of S&R e-vouchers[2] when you apply and get approved for the Miles+ Platinum, Visa Gold, and PlayEveryday credit cards. To be eligible for the UnionBank S&R promo, here’s how much single or accumulated retail spend you need and how many credits you’ll receive per UnionBank credit card:  Play…

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