All Articles With Author : Venus Zoleta

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

12 Credit Card Fees in the Philippines to Watch Out For

This article was originally published on March 5, 2018 and was updated on October 9, 2019. “Having a credit card is expensive and often leads to unmanageable debt.” Agree or disagree? This is a common concern—and a big misconception—of the average Filipino about owning a plastic card. But credit cards don’t deserve such a bad […]

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10 Sulit Smartphones Under P15,000 in the Philippines

This article was originally published on November 17, 2018 and was updated on October 8, 2019. Need a new smartphone but short on budget? Want to get a budget mobile phone for a loved one? With so many choices in the market, it’s hard to pick a good mobile phone that provides the perfect balance […]

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Postal ID Application in the Philippines: Everything You Need to Know

This article was originally published on October 10, 2018 and was updated on October 4, 2019. Got rejected for a bank or government service because you lack a valid ID? Don’t worry. There’s a quick and convenient way to get a valid ID: apply for a postal ID issued by Philippine Postal Corporation (PHLPost). The […]

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Top Holiday Destinations to Visit This Ber Month Season

This article was originally published on September 7, 2018 and was updated on October 2, 2019. The ber months have finally arrived! That means malls will start playing Jose Mari Chan’s greatest hits, employees will start receiving their 13th month pay, and newscasts will start their holiday countdowns. Yes, the holiday cheers aren’t hard to […]

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Credit Card Limit: What is It and How Do Banks Determine It?

The credit card limit is one of the most important things to understand when you’re applying for a card. Your credit limit affects how much you can spend with your plastic card. Of course, you want to have the highest possible credit card limit because that means increased purchasing power. But unfortunately, you’ll never know […]

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Complete Guide to PSA Online Services in the Philippines

Too busy to apply for a birth, marriage, or death certificate at a PSA Serbilis Center? A convenient alternative to a walk-in application is using a PSA online service. Through a PSA online application, you can skip the long lines and stressful commutes. Applying and paying for civil registry documents from the Philippine Statistics Authority […]

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Home Credit Loans: Weighing the Pros and Cons

“Is that a housing loan?” is a question you’ve probably asked after seeing the Home Credit logo. Don’t worry, it’s not something related to real estate, but it is a non-traditional type of lending in the Philippines. And chances are you’ll end up finding yourself deciding whether to apply for a loan from them or […]

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14 Credit Cards with Low Interest Rate in the Philippines

A common credit card myth that Filipinos believe is that all cards charge high interest rates. In the 2018 Moneymax survey, respondents cited “interest fees” as their top reason for not having a credit card. If you’re sure that you can make credit card payments in full and on time, the interest rate shouldn’t matter […]

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Senior Citizen Discount and Benefits: Important Facts You Might Not Know

Is it more fun to be a senior citizen in the Philippines? It may seem so, as the government provides elderly Filipinos with senior citizen discount and other perks to help ease their finances in their golden years. As a millennial, you may be 30 to 40 years away from enjoying those privileges, but it […]

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12 Exciting RCBC Credit Card Promos in 2019

Whether you’re a new or long-time RCBC credit cardholder, there’s surely an RCBC credit card promo that lets you save money or gives you cool freebies. Promos on credit card purchases offer extra bang for the buck—so why don’t you snag them with every swipe of your card? Almost 90 RCBC credit card promos are […]

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7 Reasons Your Personal Loan Application Got Rejected

Rejection of any kind is hard to accept—more so if it involves money. Case in point: getting your personal loan application denied. Your time and effort spent preparing your requirements and waiting anxiously for the loan approval all just went to waste. It makes you want to demand an explanation from the bank, lashing out […]

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Grab These Exciting Citibank Credit Card Promo Offers in 2019

Good news to Citi credit cardholders out there: You’re treated to plenty of exciting Citibank credit card promo offers in 2019, especially discounts at various restaurants. So what are you waiting for? Browse through the available Citi card promos. Better yet, check out our curated list of the best Citibank promos and take your pick! […]

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How Much Does a Wedding Cost in the Philippines?

Just got engaged? Surely, you’re excited about planning for your big day. Looking forward to picking the perfect wedding dress, visiting different churches, and food-tasting with possible caterers? But before you get started, you have to work on the most challenging and stressful yet most important part of wedding planning: the cost of wedding. When […]

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Visa-Free Countries for Traveling Filipinos in 2019

What’s your dream destination? Raring to go to Japan, Korea, the US, or France? That dream can be really elusive for many Filipino travelers, what with these countries’ strict visa requirements. Applying for a visa is generally time-consuming, tedious, and costly. You won’t even get your money back when you’re denied for a visa. Even […]

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What is the Best Type of Loan for My Business?

Finding good sources of funding is a critical step in starting a business. A business loan from the government, a bank, or a private lender is one financing option for budding small and medium business owners. Business loans come in a variety of types that suit different business requirements. Before you start searching for the […]

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35 Food Franchise Businesses You Can Start Under P1 Million

Negosyong patok ba ang hanap mo? If you have less than a million pesos, how far can it go? With the huge popularity of food carts today, you might make it big in the food franchise industry. Franchising is a sound business model that allows aspiring food entrepreneurs to leverage on the strong brand recall […]

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DTI Business Registration Guide for Entrepreneurs in the Philippines

What’s in a name? In a business, it means a lot. Your business name is your company’s branding, so it should catch attention and can be easily recalled. Aside from spending time coming up with a name for your new business, you also need to register it with the Department of Trade and Industry (DTI), […]

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Personal Loan Fees and Charges to Consider Before Borrowing Money

Choosing the best personal loan for you isn’t as simple as comparing interest rates and monthly installments. You also need to consider the personal loan fees and charges that add up to the cost of borrowing money. Some of these fees are avoidable, while others aren’t. Taking all these factors into account gives you a […]

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10 Underrated Summer Destinations You Can Travel by Car

Listen up, weekend warriors: If you’re planning something different for your road trips this year (and avoid the crowded touristy places), you have a lot of wonderful summer destinations near Manila to choose from. Considerations include your budget, interests, and how far you’re willing to go. Here are some awesome summer destinations in the Philippines you […]

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What is the Best Life Insurance in the Philippines?

So, you’ve decided to get a life insurance plan. As a breadwinner, being insured means sparing your loved ones from financial burden when something unexpected happens. Even if you’ve accumulated wealth, it’ll be quickly wiped out by an accident, permanent disability, or death. And so, it makes sense to start looking for an insurance plan. […]

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