10 Financial Preparation Tips for 2017

The year is about to end and you’re currently auditing all of your savings and expenditures for this year. There is nothing bad about this. It’s just normal after all to analyze whether you have made any financial mistakes this year, what may have caused it, and what may be done to revert that mistake to financial success. Moreover, we Filipinos are conscious and alert when it comes to all things financial, whether towards saving (discounts, promos) or spending (night outs, gadgets, food), which is why we listed down a few factors to consider in preparing yourself financially for the new year. Take note that the following would not be achieved without self-control, which is why strategy and discipline go hand in hand when it comes to financial stability:

1. How much did I spend this year alone?

Food, transportation allowance, house rent, and utility bills are just some of the major expenditures of an average person. While these things are the usual responsibilities of people in their lifestyle, sometimes, they tend to spend much more than they should. Night outs for example incur about P500-P1,000 worth of food and drinks, perhaps even twice or thrice the amount of what you spend on food and beverage on a normal basis. This is why you should list down your expenses, whether on a regular day or not, to identify what may be eating up your allowance, or worse, your savings and be more aware of what you can do the next time you encounter such concern.

2. How much did I save?

Whether big or small, knowing your savings is important as well, as it helps you identify what you need to do in order to save more in the upcoming year.

3. How much do I spend for myself alone?

It’s one thing to spend for the bills, but another to spend on your personal needs and wants. Grooming charges such as haircuts may be a minor thing to consider when auditing your expenses, however, try to remember how many times you had a haircut in one this year alone. An average local barbershop charges P35, so if you groom every 3 months, multiply that by four and you have yourself P140 worth of haircut expenses. It may seem small, but this amount already has a big impact on your budget. Knowing this helps you find alternatives to be able to save up. If you work in a company with no strict haircut policy, you may cut down your haircut charges by either finding a more affordable barbershop, or perhaps getting cut every four months instead of the usual three.

4. How much do I spend for other people?

It’s okay to spend for your family, friends, and loved ones. It is a common part of Filipino culture to help others, even financially. However, one must also learn to say no. If someone were to borrow cash, analyze your budget and how this will greatly affect your bill paying. If it would hinder you from paying this month’s electricity bill, resulting to a blackout, you might as well just have kept and used the amount to pay bills. It is not to say that you shouldn’t share. However, also consider your options when it comes to stabilizing yourself financially.

5. If you happen to save a few amounts in your bank account, remember not to withdraw any amount at all.

This is due to the very obvious reason that you need to save. Whether you had saved big or small, do not ever touch it, except for emergency purposes. It may be tempting to buy new gadgets, but always remember that the needs should always come first, never the wants. This would bring us to the next important factor…

6. Planning to buy a new gadget or item? Consider function over fashion.

What better way to financially prepare for next year than not having to spend for anything that came out this year? Cellphones are a perfect example for this, seeing that they get outdated after a year, and then get replaced with a new one with much better features. If you are planning to buy something new, ask yourself if you’d really need it, if not, just keep on saving for next year, until such time that you would come across an item that would really tend to your needs.

10 Financial Preparation Tips for 20172

7. Own a car? Get insurance then.

Spending for something is one thing, but what happens if someone damages or destroys your beloved possession? A car is no different. You may be a great driver, unfortunately, others do not share the same ability and skills. People encounter accidents on the road, which is why you should avail of car insurance, to avoid spending a lot for the damage to your car (and worst case scenario, spending a lot for your injuries as well).

8. Reduce utility charges by going for items which are environmental friendly.

Electricity charges take up a majority of our monthly bills. This is a common truth among us Filipinos, hence we should switch to appliances which only feed on minimal energy. Light bulbs, for example, should be replaced with their fluorescent counterparts as they consume lesser energy. There are also certain brands or air-conditioning units and refrigerators that offer the same feature and are much more affordable than normal units. If you plan to save more for next year, consider replacing a few of your belongings that are high-maintenance.

9. Sell the things that you wouldn’t need any more in the upcoming year.

If you plan on reducing the junk in your home, why not organize a garage sale. A new year deserves a new beginning. Hence, selling a few unneeded gadgets, appliances, or even furniture will not only provide you with a breath of fresh air; it would also enable you to earn a few cash in the process, enough to get you through the first few weeks of the new year. Much better, if you plan on not touching the proceeds from your mini garage sale, you may even keep it until your savings pile up all throughout next year.

10 Financial Preparation Tips for 20173

10. Pay your taxes.

This may sound like an advice which seems out of place from this list, however, paying your taxes is one major thing you shouldn’t leave off this year, unless you want to suffer the huge penalties next year. You may hear news of celebrities, athletes, and even politicians being chased by the BIR due to failure of paying their taxes. They even have to settle their concern by the millions, so just imagine if the same thing were to happen to you. You wouldn’t be financially stable midway into the New Year just because of tax penalties alone. Pay now, save later.

After following our tips, you may still find yourself having trouble within the first few weeks, but it’s normal, as with other routines being practiced at first. With that in mind, you may want to provide cushion to your starter budget in the first month of the New Year. No worries as Cebuana Lhuillier has got you covered. With their Micro-Loan Services, reaching out for assistance is never a hassle, due to their simple application process, easy terms, and fewer requirements, cutting long lines and long waiting time. With a network of over 1,800 Cebuana Lhuillier branches and online presence, you are given unlimited access and utter convenience in applying for a loan. Their five-point application to disbursement process ensures services are delivered on time. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Celebrating New Year’s on a Budget

The holiday season brings many expenses. People have to prepare their budget for various gifts and meals for the Christmas Eve dinner. Yes, indeed Christmas is one occasion that everyone spends so much on. However, that is not the only thing that requires proper financial management. The New Year celebration also requires a certain amount of money estimation, mainly due to the fact that it also has a traditional dinner before and after the clock strikes twelve. This doesn’t even include the after party, something which we Filipinos love even after the fireworks had ended. With this, we had prepared a few tips to ensure that you will be able to save a reasonable amount even after the whole celebration, something that will make your cash last longer than the ten minutes fireworks display after the countdown.

1. Budget your Christmas to save for New Year.

This is top priority with all financial concerns. If you spend too much for Christmas without setting anything aside for the New Year celebration, then don’t be surprised why you wouldn’t have any amount left by then. As with any type of budget, plan ahead of time and avoid overspending on something which will only last for a week or two, go for long term plans so that you will be able to avoid cutting too much corners on other upcoming occasions. Yes, Christmas is a major once-a-year occasion, but that doesn’t mean you should indulge all finances in one go. Set aside a few amount for the New Year celebration so you may have no trouble in budgeting thereafter.

2. Recycle your decors from Christmas.

Yes, you’ve read that right. We Filipinos do not actually end Christmas right after December 25th; in fact, we only remove the Christmas decorations a few days into the first week of January. With that in mind, do not take the Christmas tree down immediately, as our belief of polka dots and all things round bring luck, so must we leave the Christmas bubble decorations hanging. Never put away the green and red colors of Christmas as they add to the magnificent lights of the fireworks as well during the New Year celebration. Perhaps the only thing you may remove would be the Christmas lights. This is to save on electricity bills and to avoid sparking a few wires, especially during the fireworks-infested parties in the streets before the countdown.

3. Have fun with parlor games.

Parlor games are the staple of every Filipino party. Who wouldn’t be familiar with stop dance, newspaper dance, and musical chairs? They’re fun, they’re easy to organize, and their prize usually ends up being very affordable. Kid participants may receive knick-knacks and toys lower than P30 as prize, while adult participants may receive picture frames and Tupperware. This is planning at its basic form, yet fun at the highest level.

Roasted holiday turkey garnished with sourdough stuffing and fruit

4. Christmas leftovers? More like New Year celebration feast.

Don’t be quick in throwing out leftovers from the Christmas Eve dinner. Any excess roast pork from the occasion? Make them into stew; they wouldn’t go bad with proper refrigeration. How about leftover cheese? No worries, convert them into toppings for other New Year’s Day meal. The possibilities are endless and you would be able to save big as you wouldn’t have to spend money for additional ingredients and groceries anymore.

So, you are a few hours away from the New Year’s celebration and are preparing to greet your loved ones a fruitful year through text. However, as luck would have it, you ran out of load. You try to load via your local store, but they also end up empty due to the countless numbers of families loading up for the festivity greetings later. No worries, as we here in Cebuana Lhuillier offer our E-Load Service, an accessible loading station for prepaid internet and mobile phone users subscribed to major telecommunication networks. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Pawning 101: Maximize Jewelry Appraisal Rate

There are a few times in which we may have to pawn a few valuables in order to make amends with our budget. This is normal as we have to make ends meet once in awhile, especially as some expenses are unavoidable. With this in mind, we only hope for the best payback after presenting our crown jewels. After all, isn’t this the very reason that we are selling them? But what determines the type of amount we’ll be receiving when pawning our jewelry and what would be the best way to ensure that the offered amount we receive indeed matches their value? Here are a few pointers to remember:

1. You don’t get paid the same amount you bought the jewelry with.

This is rule number one when it comes to pawning. If you bought a ring for about P15,000 or more, you wouldn’t get paid the same amount. It wouldn’t even be the basis for the amount you’re going to get paid with, rather, the condition of the jewelry itself. Does it have scratches? Is the gemstone still intact? Does it have any dent? The more mint the condition is, the higher the amount you’re going to get in return.

Pawning 101 Maximize Jewelry Appraisal Rate2

2. Gemology or appraisers? Which should you trust?

Gemologists are basically those who know how to value gemstones, but are weak in providing estimates in other forms of jewelries. Appraisers, on the other hand, are those that are trained to identify the value of any type of jewelry, and may have been jewelers themselves long ago. They have the edge over gemologists, in the sense that they know how to market research, hence, they can quickly provide estimates of the value when you’re intending to pawn your belongings and may definitely let you know if ever you may be receiving less or more than what was bargained for. Do take note though that some appraisers may charge a “consultation fee,” which is why you should prepare a little extra when asking for value.

Pawning 101 Maximize Jewelry Appraisal Rate3

3. Do your own research.

The best way to find out the market value of your jewelry is to ask around the stores. You may be surprised that the prices of jewelry change from time to time, even quicker than some other products, hence another reason to have it appraised as well as routinely as you can. This doesn’t mean that you should have it validated monthly. Rather, whatever changes you may hear from the store, you may confirm via the appraisers. Only then may you know the current selling price of your jewels. This is one of many ways to know that you are not getting less than what should be given during the pawning process. Knowing the right value would save you from possibly losing something and not getting the fair amount at all. Be informed at all times and stay firm on your price range.

With all of that being said, you may be looking for a pawn shop that would provide you with the most honest and highest appraisal possible. No worries, as Cebuana Lhuillier has got your back. With their Pawning Service you can never go short in any amount, as they accept an array of items, from jewelry to gadgets, as collateral. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry in its more than 1,800 branches nationwide. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Send Money to Your Loved Ones through Cebuana Lhuillier’s Authorized Pera Padala Agents

Have you ever wanted to send money to your loved ones, only to experience long waiting lines and inconvenient transactions? Ever visited a bank branch to do so, only to be hindered by the countless requirements and hidden remittance fees? Or how about trying online money transfer, only to be scammed by hackers in the process?

Well, worry no more, as Cebuana Lhuillier offers their efficient Pera Padala Service, an easy, quick, and safe way to send and receive money. All transactions are real time, which enables clients to claim the money as soon as the sender completes the sending process in the branch.

So you may ask, how efficient is Pera Padala when it comes to local remittances? After all, you may need to send money even to the farthest region of the Philippines. Relax, as Cebuana broadened its reach by strengthening its network of partners. Also known as the Pera Padala Agents (Domestic Remittance), they are mainly composed of:

• ADB Lending Company, Inc. (Pasamonte )
• Expresspay, Inc.
• Global Pinoy Remittance and Services (GPRS)
• Orient Asia Lending, Inc. (Prime Remit)
• Jewelhouse Pawnshop and Jewelry
• Ayala Alabang Village Association-Employees Multi-Purpose Cooperative (AAVA-EMPC)
• Filinvest Homeowners’ Association Inc. (FILHAI MPC)
• Republic Pawnshops Corporation (H Lhuillier)
• Quickloan Pawnshop
• Cardbank, Inc.
• Tiaong Rural Bank, Inc.
• China Bank Savings, Inc
• Cantilan Bank, Inc
• Enterprise Bank, Inc
• ABS-CBN E-Money Plus, Inc (myREMIT)
• Opportunity Kauswagan Remit, Inc. (OK Remit)
• Rural Bank of San Antonio
• Dalton Pawnshop and Jewelry, Inc.
• Inter Asia Development Bank
• Gata Daku Multi-Purpose Cooperative (GDMPC)
• Sun Gate Pawnshop
• Bangko Kabayan, Inc.
• Card SME Bank
• Viaexpress Travel & Tours, Inc.
• Philippine Postal Savings Bank
• Bayad Center
• Tanglaw Pawnshop
• Golden Rural Bank
• Pazalonia Pawnshop
• Country Builders
• Rural Bank of Kiamba (Sarangani) Inc.
• Common Wealth Rural Bank
• Via.com

Send Money to Your Loved Ones through Cebuana Lhuilliers Authorized Pera Padala Agents2

Okay, so you already have a list of their authorized partners, but how about the rates? No need to worry as we got your back with that. Here is a chart indicating the rates, depending on the amount/s sent:

Domestic Remittance Rates

Sending Amount Charge Amount Charge Amount Charge Amount Charge Amount Charge Amount
From To Metro Manila Northern Luzon   Southern Luzon Visayas Mindanao
1.00 100.00 PHP1.00 PHP7.00 PHP1.00 PHP1.00 PHP1.00
100.01 200.00 PHP3.00 PHP13.00 PHP1.00 PHP1.00 PHP1.00
200.01 300.00 PHP5.00 PHP18.00 PHP2.00 PHP2.00 PHP2.00
300.01 400.00 PHP10.00 PHP25.00 PHP3.00 PHP3.00 PHP3.00
400.01 500.00 PHP15.00 PHP30.00 PHP7.00 PHP7.00 PHP7.00
500.01 600.00 PHP18.00 PHP35.00 PHP9.00 PHP9.00 PHP9.00
600.01 700.00 PHP21.00 PHP40.00 PHP10.00 PHP10.00 PHP10.00
700.01 800.00 PHP24.00 PHP40.00 PHP12.00 PHP12.00 PHP12.00
800.01 900.00 PHP27.00 PHP45.00 PHP12.00 PHP12.00 PHP12.00
900.01 1,000.00 PHP30.00 PHP50.00 PHP15.00 PHP15.00 PHP15.00
1,000.01 1, 500.00 PHP45.00 PHP80.00 PHP20.00 PHP20.00 PHP20.00
1,500.01 2,000.00 PHP60.00 PHP100.00 PHP30.00 PHP30.00 PHP30.00
2,000.01 2,500.00 PHP75.00 PHP130.00 PHP40.00 PHP40.00 PHP40.00
2,500.01 3,000.00 PHP90.00 PHP150.00 PHP50.00 PHP50.00 PHP50.00
3,000.01 3,500.00 PHP95.00 PHP180.00 PHP60.00 PHP60.00 PHP60.00
3,500.01 4,000.00 PHP115.00 PHP180.00 PHP70.00 PHP70.00 PHP70.00
4,000.01 5,000.00 PHP125.00 PHP220.00 PHP90.00 PHP90.00 PHP90.00
5,000.01 6,000.00 PHP145.00 PHP220.00 PHP114.00 PHP114.00 PHP114.00
6,000.01 7,000.00 PHP155.00 PHP220.00 PHP118.00 PHP118.00 PHP118.00
7,000.01 8,000.00 PHP165.00 PHP220.00 PHP125.00 PHP125.00 PHP125.00
8,000.01 9,500.00 PHP185.00 PHP220.00 PHP125.00 PHP125.00 PHP125.00
9,500.01 10,000.00 PHP195.00 PHP240.00 PHP140.00 PHP140.00 PHP140.00
10,000.01 14,000.00 PHP250.00 PHP250.00 PHP260.00 PHP250.00 PHP250.00
14,000.01 15,000.00 PHP300.00 PHP300.00 PHP310.00 PHP300.00 PHP300.00
15,000.01 20,000.00 PHP350.00 PHP350.00 PHP360.00 PHP480.00 PHP350.00
20,000.01 30,000.00 PHP400.00 PHP400.00 PHP410.00 PHP720.00 PHP400.00
30,000.01 40,000.00 PHP450.00 PHP450.00 PHP460.00 PHP960.00 PHP450.00
40,000.01 50,000.00 PHP500.00 PHP500.00 PHP510.00 PHP1,200.00 PHP500.00

Take note that the charges vary, depending on the location of the recipient.

Send Money to Your Loved Ones through Cebuana Lhuilliers Authorized Pera Padala Agents3

With the following information in mind, let us direct you to one of Cebuana Lhuillier’s main offerings, their Pera Padala Service. With more than 1,800 branches nationwide and accredited international partners, this money transfer service is made available to clients within and outside the Philippines. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Holiday Budgeting: The Right Ways to Use Your Credit Card during Holiday Season

During the holidays, we get to spend so much, in terms of gifts, decorations, and Christmas treats. While it may be true that the Yuletide season is all about partying to your heart’s desire and being merry, we should not forget to consider the possible effects of overspending. If savings would not be enough, people tend to utilize their credit cards, just to make up for the expenditures and cash that no longer exist in their bank accounts. Yes, it may seem like a convenient and harmless idea at first. However, such as with all things, too much of anything may do more bad than good. With this, we had listed a few pointers in utilizing your credit card during the Holiday season:

Holiday Budgeting The Right Ways to Use Your Credit Card during Holiday Season

1. Know your limit, literally.

All credit cards have spending limits. This is clear from the very moment you had decided to get one from the bank. For those who are not familiar with the term, what does it mean? Basically, using a credit card is like borrowing money from a bank. Credit limit is set by the bank so that you may only avail within a certain range of amount. If you lose track of your spending, there is a strong possibility that you will go over the limit. Keep this in mind as you will incur penalties and charges if not careful.

2. Be careful of deceitful promos and discounts during the holidays.

It is natural for us to save, hence we go for the items that involve reduced prices. However, some retail stores tend to fake some deals, having a few fine print conditions in their discounts resulting to hidden charges. This is more critical when you’re using a credit card, since you’re technically spending more than what you had bargained for, adding the interest rates to the charges, etc. The best advice would be to plan your purchases ahead of time, so that you may be able to canvass and find a truthful deal along the process.

3. Take advantage of your credit card’s reward system.

Some credit card companies reward their clients if they happen to have a clean record, no overspending over the limit and no late payment on the monthly rates. In lieu of this, why not avail this certain feature? It wouldn’t only save you money; it would also enable you to pay less when the monthly bill arrives. Some companies even reward you with points, bought about by achieving a certain number of purchases using your card.

Holiday Budgeting The Right Ways to Use Your Credit Card during Holiday Season2

4. Be on the lookout for coupon codes.

Not to be mistaken with discount and other promos, coupon codes are those which may be found online, instead of the actual store itself. Some offer varieties of percentages in price deductions, while some may only be availed once you buy an item of certain amount. You may even validate the code itself using the main website of your credit card company, or the main server of the coupon website itself. Do remember to read the fine print though, just to be sure that there are no other conditions in your purchases.

After knowing of our valuable tips, you may definitely want to pay for the monthly credit card charges of your transactions with great ease, and through that be able to save for the future without any impending balances. No worries, as Cebuana Lhuillier offers their Bills Payment Services in their 1,800 branches nationwide. All transactions are online and are completed quickly and safely. Its current partners (such as Metrobank Credit Card) also include major telecommunication networks, insurance companies, online businesses, and schools. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Image Source: http://www.creditlawcenter.com/shouldiclosemycreditcard/

Christmas Budgeting: 20 Stunning Christmas Gifts Under 100 Pesos

It is finally the holiday season. Everyone wants their fair share of gifts and treats, so much that all are also digging in their wallets and estimating the right amount that will fit with their shopping lists. While many stores offer promos and countless discounts, it would be safe to say that a critical part of managing ones budget isn’t just the price, but rather the amount of items to be given.

With that in mind, people are looking for a great bargain when it comes to shopping for gifts, a bargain that would enable them to purchase items multiple times and for a great value. You may ask then, what items would be fitting for my limited budget and where may I find them? Worry no more, as we had listed 20 stunning Christmas presents under 100 Pesos that you may give your loved ones, family, and friends:

1. Cellphone Holders
Christmas Budgeting 20 Stunning Christmas Gifts Under 100 Pesos
These items are one of the most affordable. Coming in at P19 apiece, they come in a variety of sizes (fit for any type of cellphone) and colors, truly a preppy gift for your friends.

2. Flower Pattern Nail Files

A gift for friends who are stylish and always on the go for grooming, these nail files are small enough to be kept in their purses and colorful enough to flaunt. They are also affordable, coming in at a price of only P66 at four files per set.

3. Hand Bookmarks

Usually found in bookstores, these P85 colorful hand bookmarks are just the right gift for bookworms, so much that they even have the term “bookworm” etched on them. How cool is that?

4. Lip Gloss

This is one item which may be found in your local drugstores. Only being priced at P89, they come in a variety of colors and flavors.

5. Foldable Nylon Bags

Remember the movie Inception? These types of bags are similar to that, in the sense that they are a bag within a bag. This item is usually represented in stalls as a small bag. Unzip that bag and take out the folded big brother (or sister) version of that bag. This is a perfect gift for your friends who are always on the go and may be purchased for only P85.

6. Desk Calendar
Christmas Budgeting 20 Stunning Christmas Gifts Under 100 Pesos2
Since it’s the holiday season, why not remind your friends of that vacation you have been planning for a long time. Give them a desk calendar as a present and they will never forget any other date, ever again. These may be found and purchased at bookstores for only P50-P98.

7. Keychains

One of the most basic, yet, special gift you may give during the holidays. Keychains are the most appropriate ones to give for those who own four wheelers. They also come in many forms and colors, whatever design that you think would give your friends or family a good laugh. Animal faces would be a great suggestion. Usually, they are only sold for P30-P65.

8. Marker Stampers

They are basically markers, but instead of a felt tip, the end is usually composed of patterns, usually a flower, a fruit or an animal. They come in 6 sets and may be found in bookstores or art supplies, with a price of P95.

9. Baby Cologne

A certain clothing apparel has its own line of mini-bottled cologne. They come in various scents and are only priced at P39 each.

10. Nail Polish

Another gift for your stylish friends, this is one will brighten up their mood, especially if you choose to give them the glittered variety. This can be bought in beauty care shops and are usually priced at P95 per bottle.

11. Plastic Pouches
Christmas Budgeting 20 Stunning Christmas Gifts Under 100 Pesos3
What good is a nail polish and a nail file if you can’t even store them properly in your purse? No worries, as plastic pouches are here to seal the deal. They can be bought in beauty care shops and are usually priced at P75 per piece.

12. Food-Shaped Erasers

A great gift for your smaller siblings, these are affordable at a price of P39. They come in shapes of burgers, cup noodles, etc. As with other school supplies, they may be bought from bookstores.

13. Fashion Shoelaces

Have a friend who’s passionate about his/her sneakers? Why not buy them fashion shoelaces. These come in variations of colors and are affordable at a price of P85. They’re sold at an apparel shop, from a certain mall up north.

14. Handkerchief

This is another affordable gift to give a family member or a loved one. Some stalls even enable you to customize the handkerchief with a name. A little extra charge is involved though, but still it’ll impress them of the creativity and dedication. Usually, this is sold around local stalls, selling at around P50, additional P15 for the name stitch-on.

15. Bottle Opener

For drinking buddies on weekends, a bottle opener would be a perfect gift. Some come in creative patterns and are sold at around P80-P95.

16. Patterned Paper Clips
Christmas Budgeting 20 Stunning Christmas Gifts Under 100 Pesos4
Another great gift for your younger female siblings or friends, patterned paper clips adds style both in school and at the office. This may be found at bookstores and may be bought for a price of P65 per set.

17. Coin Bank

Inspire a friend to save up for your vacation next year with a coin bank. Usually coming in a variety of colors, they may be bought in P88 and P66 stores.

18. Pocket Journal

No need to collect coffee shop stars just for this item. Pocket journals are easy to find in bookstores and are priced at only P70. Some even come with calendar pages in them. Now that’s a neat gift.

19. Keyboard Brush

A great gift for your tech-savvy friends, keyboard brushes are a must-have for those sitting on the front of a monitor for a whole day. Believe us; they’ll thank you for it. These are usually sold at computer hardware stores and come in at price of P60.

20. Fridge Magnets
Christmas Budgeting 20 Stunning Christmas Gifts Under 100 Pesos5
It’s one thing to decorate your kitchen, another to liven it up with a color. Fridge magnets are an old staple of any kitchen around the world, which is why manufacturers are stepping up their game in designing more innovative ones. Coming in various forms and sizes, they are usually sold at a price of P50-P70.

So aside from the very affordable items we had listed down, you may want to send your loved ones in the provinces a little assistance so that they may have a merry meal during their Christmas Eve dinner as well. After all, the Yuletide season is a time of giving and sharing, and indeed, everyone loves a cheerful giver. With that in mind, you may want to go for a remittance service that would enable your relatives to receive the amount in no time, and no hassle along the process.

No need to look further, as Cebuana Lhuillier offers their Pera Padala Service, an easy, quick, and safe way to send and receive money. With more than 1,800 branches nationwide and accredited international partners, this money transfer service is made available to clients within and outside the Philippines. All transactions are real time, which enables clients to claim the money as soon as the sender completes the sending process in the branch. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Image Source:
http://www.bestphonegrip.com/
http://nightowlpapergoods.com/index.php?route=2017-critter-desk-calendar
http://www.weiku.com/products/3419618/New_style_Spout_Pouch_wztxyy_z58_.html
https://www.aliexpress.com/popular/patterned-binder-clips.html
https://www.pinterest.com/pin/475552041872345879/

Budget-Friendly DIY Christmas Decorations That Will Save You Money

Budget Friendly DIY Christmas Decorations That Will Save You Money

Decorations are a major part of Christmas celebration. They may be found in all houses, varying from the largest tree up to the smallest potted ones. Yes, they are a must-have for any household during the Yuletide seasons; however, not everyone can afford them.

We usually find decorations sold in malls and sidewalks, and in spite of the promos concerning these items, we cannot ignore how costly they may still be, especially the ones which require electricity to run (Christmas lights and dancing Santa figurines). With that in mind, we had prepared a few budget-friendly DIY Christmas decorations that will save you money during the holidays:

1. Bathroom Roll Reindeers

Everyone is familiar with Rudolph the red-nosed reindeer and his friends. Hence, it wouldn’t be a surprise that the four-legged creatures are a favorite choice when it comes to symbolic Christmas decoration. No need to spend big just to have them over at your home. Just recycle a few cardboard rolls from your depleted tissue supplies, draw a cute reindeer face, with big round eyes, and then cut the bottom of the roll in four arching patterns, making four legs in the process.

Then, cut the top of the roll, shaping tree-like branches for the antlers, after which divert your attention to the nose of the reindeer by either drawing a simple nostril or sticking a rolled up red crepe-paper below the eyes. Do the same process a few times more to complete Rudolph and his friends.

2. Bottle Cap Parol

Budget Friendly DIY Christmas Decorations That Will Save You Money2

This is another easy-to-do Christmas decoration that sticks close to Philippine Holiday traditions. Take a thick cardboard (you may get one from any unused grocery supply box) and then draw a big star. Cut out the star with a sharp scissor or cutter, and then stick different colored bottle caps to the star shape.
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You can freely use your imagination with whatever pattern you may create within the star using the bottle caps, it is better to collect many different colored ones from various types of soft drinks so you will have more choices in terms of designs.

3. Cotton Ice Cream Ornaments

Budget Friendly DIY Christmas Decorations That Will Save You Money3

What would you do with a Christmas tree with no ornaments? You decorate it, of course. A few groceries offer multi-colored cotton balls which come in very cheap prices. You’ll need a few for this project, along with a few colored paper and glitter, most importantly, a bottle of glue. Firstly, stack two to three cotton balls (different colored ones are the best) with a glue, then, roll up the colored paper into small cones (it would be appropriate to cut them into little pieces first before doing the cone, apply glitter for additional aesthetics), the size of the cones would depend on the size of the cotton balls. Lastly, stick the stacked cotton balls to a cone; then, attach a small, looped thread to the cone with a transparent tape. Repeat these steps countless times until you have enough to decorate a whole Christmas tree.

After reading our tips by heart, you may still want to have a few extras in your pocket, just for those sweet Christmas treats on the table. Add a little color to your budget then, as Cebuana Lhuillier offers their Happy Loan Service, a multi-purpose loan amounting to Php 5,000 offered to any individual who is employed, self-employed, student, or a remittance beneficiary. Any individual with source of income (employed, self-employed, remittance, allowances & pension) and falls within the age bracket of 21-65 years old and has passed the company’s credit scoring guidelines are eligible to avail, it’s that easy. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Image Source:
http://erahomedesign.com/unique-toilet-paper-roll-crafts-that-you-should-own/
http://www.playideas.com/25-ice-cream-crafts-for-kids/
http://how-to-recycle.blogspot.com/2013/10/recycled-christmas-lanterns.html

Avoid Financial Hangover with these Christmas Spending Tips

Christmas season is among us and as early as now, people are already searching their wallets for any amount, preparing for their holiday shopping. We are all generally generous by heart, which is why it is very important for us to provide each and every one of our family, loved ones, and friends a gift this yuletide season. However, such may only be achieved with a big budget, which is why some, if not most of us, would just prefer to cut corners and find affordable alternatives to expensive branded gifts. This is just in the aspect of gift-giving, as we also have to worry about the Christmas Eve dinner, our strongly practiced tradition.

With all of the above reasons, we are definitely urging to find ways to at least wisely spend our budget this season, whether for gifts or for the traditional feast. And just when you thought you wouldn’t have any amount left for the New Year’s celebration, you are given a few ideas that may just save your budget:

1. Get more value with surplus.
Designer brands often come in high prices. It doesn’t matter if you’re buying shirts or pants for your loved ones. High-fashion apparel may only enable you to buy one or two pieces due to its expensive retail price. The best option for a limited budget would be to purchase your gifts from surplus stalls, or as we would locally like to call it, “ukay-ukay.” It may seem cheap; however, the quality is fairly the same while the price is greatly reduced. Yes, you may need to wash the bought apparels before wrapping them up for kris-kringle, but at least you’ll be able to shop enough to fulfill your Christmas list without spending too much.

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2. Appreciate the concept of potluck.

One of the best ways to spend less during the Christmas Eve dinner would be to coordinate with your visitors, perhaps a week or two before the feast. Traditionally, we Filipinos welcome the notion of potluck, or bringing your own share of food to the gathering. While this is commonly done in picnics, reunions, and family outings, the Christmas Eve dinner should be no different. Doing this may also practice togetherness among your family, friends, and loved ones, being able to come to an agreement, in terms of who will bring which food, who is assigned to bring either the appetizer, main course, or dessert, etc. And naturally, when everyone else is bringing their own share, you would be able to spend less as you wouldn’t have to shop ingredients for the whole meal.

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3. Initiate within your family, the secret Santa program.

Every yuletide season, charity organizations come up with a secret Santa outreach program for the less fortunate. This basically involves the process of buying affordable supplies or clothes for those who are in deep poverty or those who have been victims of calamities for that particular year. This is a great practice to teach your family as it promotes spending, not for yourselves, but instead sharing your blessings to those who are in need. The gifts to be given are not even expensive, canned goods, second-hand clothes and small-priced Knick Knacks are the usual content of a secret Santa loot bag and you may definitely save enough for a fruitful New Year’s celebration.

Overall, your expenditures during the holidays don’t need to reach an alarming rate. With proper conversations with your family, you may be able to spend your bonus wisely and productively. Nurturing the habit of proper budgeting is already a gift itself, a lesson worth teaching to your loved ones and a gift that keeps on giving. You may ask then, what if I need to add a little more to my own budget, just to have a safe cushion in our expenses. Well worry no more, with Cebuana Lhuiller, you may apply for a Micro-Loan. We create value to customers through a simple application process, easy terms, and less requirements, cutting long lines and long waiting time. Our network of over 1,800 Cebuana Lhuillier outlets and online presence give customers unlimited access and utter convenience in applying for a loan. Our five-point application to disbursement process ensures services are delivered on time. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Image Source:
http://8list.ph/where-to-shop-christmas-gifts/
http://storycrossings.com/2015/04/18/potluck/
http://www.cowleyweb.com/blog/christmas-charity-2013

Why Choose Pera Padala Over Bank Remittance

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Everyone makes decisions. We are given the choice to either choose one brand of shampoo over the other while showering, to either skip or take our breakfast with us when we’re running late, and either walk or commute towards work, considering the heavy traffic in mind. These are just some of the choices that we face every day. While they may look minor, time and energy may be sacrificed if we make the wrong decision. Choosing the wrong shampoo can lead to dandruff, skipping breakfast may weaken you throughout the day, and taking the wrong route to work (whether by foot or by wheels) may mean you’ll be arriving late at the office, much to the annoyance of your boss. The same cause and effect may be said about your preferred method of money transfer.

When you send money to your loved ones, time is a very important matter. If they have bills to pay which is already due today, the transaction time shouldn’t take long, or else they would have to risk penalties in their charges. This is a situation best understood by Cebuana Lhuillier, which is why they introduced the Pera Padala Service to accommodate the remittance needs of their customers. You may ask, does using this service have its advantages? The answer: A definite yes! Here are just some of the perks that you’ll be getting when choosing to remit via Pera Padala:

1. Fewer requirements.

Unlike bank remittances that would ask for numerous proof and validations, Cebuana’s Pera Padala would only require you to present your valid ID and the accomplished send form. That’s it. No need to bring a folder full of documents. The same can be said if you are the recipient; all you need to bring is a valid ID and the control number of the sender’s transaction. It’s that easy.

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2. Real time results.

Remittances done in a bank would take up to 2 hours to process. It would be far worse if you’re remitting a check rather than cash, as it may take days to reflect on the recipient’s account. Cebuana’s Pera Padala revolutionizes the term speed, as it definitely processes your remittance in real time. After a quick transaction, you may already contact your loved ones and let them know of the control number, from there, they can already pick up the remittances from their local branch.

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3. Nationwide coverage and accredited partners.

Bank branches are hard to come across in rural areas, while some close down early in the urban regions. When a relative is in need of financial assistance, lack of satellite branches may become a problem when remitting via banks, so why deal with the hassle if you can definitely have a smoother transaction with Cebuana’s Pera Padala. Having more than 1,800 branches nationwide and accredited international partners from Europe, the Middle East, Africa, US, Canada, and the Asia-Pacific Region, this money transfer service is made available to clients within and outside the Philippines.

Overall, this is a perfect chance to choose the most convenient and easiest way to send money to and from abroad, a method that would best work for you and your loved ones across the globe, anytime and literally anywhere. For more inquiries regarding our Pera Padala Service, you may visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Image Source:
http://www.biliranisland.com/directory/listing/cebuana-lhuillier-padre-inocentes-garcia-naval-branch
http://learninterestrates.com/list-of-valid-id-for-opening-a-bank-savings-account-in-the-philippines/
http://learninterestrates.com/list-of-valid-id-for-opening-a-bank-savings-account-in-the-philippines/

Christmas Preparation: 10 Christmas Money Budgeting Tips to Keep You Out of Debt

Everyone’s excited to get their Christmas bonus. Why wouldn’t they, considering that the holiday season brings forth so many expenses. It isn’t just about spending all your money on yourself; it’s also about spending for other people as well, meaning you’ll have twice as much spending to do, and it just keeps on adding up depending on the number of people you’d have to buy gifts for. And it doesn’t stop there, as you would also have to prepare for the Christmas Eve dinner. At the rate of your spending, you may have nothing left by New Year, or worst, be in debt at such time. With these in mind, we prepared 10 Christmas money budgeting tips to make sure that you wouldn’t have to experience any money concern during and after the Yuletide season:

1. Save up.

Probably one of the most basic, yet, commonly ignored advice. Throughout the year, you are given an opportunity to save for future needs; hence, from January to November, you are given about 11 months to save. Learn to keep aside a few amounts each month leading up to Christmas, and only then would you have enough to spend for the whole December. The best thing about this is, the more money you save each month, the higher the chances of having more left even after New Year’s celebration.

2. Too many lights? Cut down the decorations.

Yes, all occasions need the appropriate décor, the same with having confetti in your birthday and having pumpkins on your doorstep for Halloween. However, it isn’t really about the appearance, but more on the amount of your decorations. If you have an average or small sized home, reduce the amount of Christmas lights. A few hanging over your window, shaped into a Christmas tree, is enough. Less décor, less maintenance, fewer expenses.

3. Collect those coupons.

Usually, supermarkets hand out discount booklets a few weeks before Christmas. Take advantage of this and try to look for more vouchers online. You may spend a few for print outs, but the amount you’ll save from the deductions in the retail prices is nothing compared to the big savings you will acquire from the discounts in groceries and shopping.

4. Pay your bills immediately.

This may sound like a conflicting statement against the purpose of this list; however, remember that bills tend to stack up with penalties when left unpaid over the due date. A much bigger concern occurs when one of your household utility gets disconnected due to lack of payment; the addition of the reconnection fee to the already high amount of penalty fee may leave you with little to no amount left. So be aware of your due dates and pay on time.

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5. Make your own gifts.

As they say, it’s the thought that counts. Usually, hand-crafted presents are more valuable and less expensive than ready-made ones. Perhaps a hand-knitted scarf will do the trick, or even a paper Mache display animal for their living room.

6. Learn to say no.

Yes, Christmas is a time for sharing and unconditional giving, however, you are also liable for your own expenses, and giving in to the request of your kids (or other loved ones for that matter) in buying an expensive gadget may put your budget in jeopardy. Remember, sometimes you have to teach your loved ones that love is best expressed by actions, not by branded apparels or high-end cellphones.

7. Let your family know of the true importance of Christmas.

People do not appreciate the true meaning of Christmas. For others, it’s just all about expensive gifts and delicious warm meals, forgetting the fact that it was the time when our Lord was born, and that He sacrificed His own life to save us. Such is the strong message of “it is better to give than to receive.” Motivate, or better yet, initiate for your family to participate in outreach programs during this holiday season. Charity organizations practice the secret Santa program, where participants (without letting the recipients know of their identity) would donate a few second-hand clothes and supplies for the less-fortunate ones. This is hitting two birds with one stone, as you would not only teach your family the true essence of Christmas, but also, you would be able to save big as supplies don’t cost too much in groceries, and you wouldn’t even have to buy them new clothes for second hand apparels would be sufficient for the program.

8. Prepare your Christmas list ahead of time.

This is related to the first tip in this list. Saving up for Christmas is one thing, but knowing what you’re really saving for is another. You’ll also be able to approximate the exact amount and price of the gifts, hence, be able to plan out your gifts without overspending by mistake during the process.

9. Buy in bundles.

Christmas season brings about many promos like buy 1 take 1. Always remember to take advantage of this as well. If you’re planning to make fruit salad or spaghetti for the Christmas Eve dinner, for example, you may be able to encounter the ingredients in a plastic-wrapped basket, all bundled up for a discounted price. This is getting more value for your money, rather than buying things separately, which may cost more.

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10. Take note of all your expenditures.

Regardless of what you buy or the services that you avail, pocket the receipt; don’t just throw it away immediately. Add up your expenses and plan out alternatives so that you may avoid paying more than you need to. Avail wisely, save highly.

So, you had finally decided to plan your budget ahead of time, however, you still came to the conclusion that it wouldn’t fit well enough to survive the holiday expenditures. Well, worry no more, as Cebuana Lhuillier offers its Pawning Service. They lead the pawning industry by offering safety and the highest appraisal rate in the industry in its more than 1,800 branches nationwide. Accepting an array of items, from jewelry to gadgets, as collaterals, the company’s core business has evolved with the needs of its clients. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)