Posted in life

Financial Literacy = Money for Life

Financial literacy is the key to have money for life. It is among the best way to achieve financial freedom that each one of us needs in order to live a life that will enable us to eat enough, pay for our bills and sustain the needs of our loved ones.

Only few would understand the essence of living financially free for the future. Because everyone is busy increasing the wealth that we earn from work or business, not all of us will be mindful about sudden sickness and even death. Considering that, it is always advisable to take advice from the money experts in order to be financially literate.

Literacy on finances may be typical and common knowledge for almost all of us. Others would think that it is about spending below your means while for others, it is all about savings and depriving oneself with material indulgence.

In reality, even though financial literacy is a common knowledge, many still continue to belong in the low income society. To live in a third world country like the Philippines where the poor outnumbered the rich people, it is very hard to envision a brighter future for the next generations.

How to be financially literate?

Aside from getting effective tips from the experts and professionals of the field, it is also ideal to take into account the other methods of compulsory savings. One of such is to entrust a company that is true to its claim and process right from the beginning. Among the top companies we can trust is Sun Life Financial Philippines. The company has been servicing more than 2 million Filipinos for the past 122 years.

How can Sun Life help you to have #moneyforlife?

Sun Life offers not just the traditional insurance plans that are mostly on the death benefit side. Currently, it is encouraging us to invest not just on insurance but also through variable universal life plans with investment component.

Of course, it would still depend on the needs of the clients considering that Sun Life is a need based company. Not all clients would like an investment that may go up or down depending on the market. If they are looking for guaranteed returns at a fixed interest rate after a certain span of time, it is best to have the traditional plan. Such would offer cash value that is guaranteed on its maturity date.

Aside from the above mentioned, the company also offers pure investment (Mutual Fund). For a minimum amount of P5,000.00, clients can already save money for their future.

The best thing about savings nowadays with a trusted company like Sun Life is that it partnered with the leading banks to allow easy fund transfer. Each month, a client is allowed to automatically save at least P1,000.00 directly to Sun Life. The process is also allowed for premium payment on VUL or Variable Universal Life plans. This is why, more and more people are investing on this product because it makes it more convenient to pay the premiums.

Overall, Sun Life truly offers several products that can help make more Filipinos to be financially free by being financially literate to have Money For Life.

 

 

Posted in life

Can You Possibly Have Money for Life?

The answer is absolutely a big YES. Most people are looking for financial freedom. Who would not want to be financially free for life, right? Given such, the best way to make things done is to be financially literate. Literacy on finances can be a very common thing for most people. Many may tell that it is all about budgeting and saving some of the monthly salary or business funds.

The truth is, even though many of us already know the 1-2-3 or ABCs of saving for the future not all of us can proudly say that we have money for life. These are some reasons why:

* You save today and not tomorrow. Savings must be a routine. It should not be something that you do when few funds is left from your salary. The standard process should be by the time you get hands off on your pay check, there should automatically allocation for savings and emergency fund. Today, when an employee gets hold of pay check, it has already been deducted with loans that should be settled in a certain amount of time.

* Money is spent right before it is earned. It is very hard not to be tempted to renovate the house, buy a new car, gadgets and even clothes and shoes from the huge sale at the mall. There will even be instances when we say to ourselves that we work hard and thus we deserve that brand new branded bag. Yeah, we may truly deserve one. Yet saying the same phrase each month may no longer be normal. Like what was stated above, most pay salaries only good to pay off that minimum amount due of a credit card bill.

* People save money only in banks. There is nothing wrong in saving in banks. Yet, it is also a better idea to think about other options on how to make money grow better without worrying on inflation and too much tax.

* Do business while employed. Most people may argue as to why they need to work when they already have a profitable business. Yeah, having to put up your own business also requires much of your time. But let’s face it, not all businesses last for decades. It is better if you have an alternative means of income. It is just a matter of having an alternate source of funds in case there is an economic down turn.

Other ways to prepare for the future to have Money For Life

* Trade on stocks. This way of investment may require not just time but also knowledge. It is because you will personally need to make a wise choice on where to put your money. It will require deep understanding of the market.

* Bonds. There are companies that offer this kind of investment. Government agencies even promises guaranteed rate of interest on bonds. Here, there is no need to worry a lot because the company where you invested the money will ensure your money will accumulate pretty much good return of interest.

* Mutual Fund. When you invested on mutual fund, you no longer need to worry much about the funds because there are fund managers who will take care of it.

Which company could offer #moneyforlife?

Since in the beginning of this article, I have already mentioned that money for life is possible, it is best to know which company can offer it to you. All you need to do is to say yes to their offers and you will be on the right track of being financially free. The company is none other than Sun Life. Although most people can brand it as an insurance company, the good news is, it is more than just offering life insurance. Currently, the company offer several products that can give you the protection that you need in case of sudden death and also living benefits should you need money to enjoy life ahead of you or your family.

Considering that the way to be financially free is to first have a life insurance, yeah you can contact your most trusted financial advisor and get one. But the good thing is, you can now hit two birds in one stone. It is by getting a life insurance while your money grows. It is with the latest variable universal life products of Sun Life that gives you pretty good death coverage while a portion of your premium paid goes to your investment. This is a very good offer that all Filipinos need to take advantage of. The fund value that comes with it can be used for future goals like to build a house, buy a new car, fund education or income protection upon retirement. Truly, anything is brighter under the Sun.

 

Posted in life

Why Financial Literacy Matters to US?

In a world full of tempting things to satisfy our eyes, it is very hard to stay financially literate. Although a lot of us know the essence of saving money for emergency funds, not everyone has one. It is a sad reality that most Filipinos have. We have several banking and financial institutions here in the country yet very few has their own savings account. Why? It is probably because these famous institutions likewise offers loans that also tempts us to take full advantage of in order to have all our wants satisfied.
Financial literacy is part of our day to day living. It is how we should know the essence of different financial channels like checking account, the use of credit cards and some effective ways to prevent being in debt for all of our lives. When we are financially literate, we are able to balance our funds. Such funds can be from our business or salary. This is where of which we can finance our home, bills, current educational fees, future educational fund and steady income for retirement.
It may too hard to resist temptation especially if we always see the big signs from the malls that there is an ongoing sale. However, it is likewise as important to think about tomorrow rather than squandering all your pay check for your wants today and just get a loan tomorrow.
With several financial institutions to choose from these days, you need to be able to trust a company that will not only support you for all your wants but most importantly is a company that can push you to save for your future.
Lucky us, we have a trusted company that has been servicing the Filipino people for the past 122 years and still counting. It is a company that is always true to its promise that everything is brighter under the sun. Sun Life is among the most trusted and reputable insurance company in the Philippines. It offers several products that cater to the future needs of its clients. With products that we Filipinos can count on, we sure can be able to save our hard earned money to fulfill our future milestones.
Sun Life offers traditional products that give the insured person guaranteed amount of protection and cash savings. While on the other hand, its variable universal life products that have taken the market like a storm offers good insurance coverage with a component of investment package. Although the later does not guarantee any amount of fund value considering that it is an investment, it still gives the insured person the peace of mind that he needs that if in case life gives me something unexpected, the dreams that he or she has for the loved ones will continue to be fulfilled.
All it takes is a practical decision to allow Sun Life to change your life. It may be a 5, 10 or lifelong commitment to save part of your salary or earnings but at the end of the day, getting a policy is not just a business earned by Sun Life but moreover a protection that you need while you take on the journey called life.

Posted in skin care

Elella Aloe Vera Refreshing Gel

I have not updated this blog for a while as I became quite busy with some matters. My giveaway is still ongoing and mechanics are easy as pie. Please check it here.

I am always fond of using gel because of the glowing effect that it gives my face after a few hours. I used is as pre-BB cream or foundation gel. This leaves my skin looking healthy and hydrated and minimize pores. Hence, I loved using it. I have tried several gels like tomato gel from Eden’s Paradise (consumed 2 bottles), guava neem gel from the same brand as well, aloe cure (aloe vera gel), snail gel and now my latest discovery is from Elella. Prior to using this aloe refreshing gel, I am using beauty oils. Yet because of the too high temperature here in our country, using beauty oils only make me sweat and hard to sleep at night. Thus, I switched to this gel. As you can see, I surely love organic products. It is very safe to use without worrying too much about the unwanted effects.

The name of the product is true to its promise. It can definitely refresh your face. I used it at night and upon waking up, my skin looks healthy with minimal pores. Thus, this is also perfect as make up base. This helps in keeping the skin looks hydrated without the oiliness.

The item has an expiry date of 12M (written on its label). Its content is is 100ml so you should definitely used an ample amount in order to make the most of it for the entire year. This is perfect for our weather here in the Philippines to minimize oil production while ensuring that the skin appears healthy and young looking.

Have you also tried similar products? Share your thoughts!

 

 

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Posted in skin care

Leiania Hyde No More Mask

 

I always use face mask because of my acne prone skin. I am fond of organic face mask because it gives good results without having to worry about any side effect. I now have discovered a new one from Leiania House of Beauty.

The promise of this mask is to help clear blemishes and acne. I have tried it more than three times. I am quite happy with the result because unlike the face mask I used before, this mask can easily be applied without the need of mixing solid and liquid just to create a paste. The mask is ready to use. All you need is to apply it on your clean face. Wait for 15-20 mins and rinse.

*I apologize for the poor quality of the image. Aside from the fact that I applied it at night that time, I also just asked my daughter to capture it using an ipad.

While the mask hardens, you will feel a little ‘banat’ effect. The smell is not that good but very tolerable. After rinsing, you will feel that your face is cleansed and pores are tighter.

Overall, this mask is worth to try though I have not seen a lot of changes in my blemishes. In terms of cleaning the pores, it does the job well.

 

Have you also tried this mask? What are your thoughts? Check them out at this link.

 

 

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Posted in food

Yema Boat Tart

Today, I am writing this post to share my boat tart recipe. Excuse the photo below because I am not good at taking photos. Anyway, boat tart is such popular pastry during my elementary days. (i now have an incoming third grader, so just calculate my age, lolz). This pastry has a crunchy crust and sweet filling on top. The filling is similar to the taste of yema. So, I decided to make my own.

 

Crust:

Crushed graham crackers
Melted butter

Filling:

3 egg yolks
1 1/2 can of condensed milk
2-3 tbsp of sugar

Direction:
1. Mix crush graham and butter. Measurement is not definite, just approximate the two ingredients until you are able to flatten it to pan. In my case, I flatten it on llanera. I made a very thin crust less than half an inch. Once flat, chill for at least 30 minutes.

2. Beat the yolks. Under medium heat, mix the condensed milk, yolk and sugar. Mix continously for about 20minutes.

If you think that the texture will not have thick consistency, it will once the yema is cold.

 

Overall, the taste is pretty good. It may take some time to finish it, but it is worth to try 🙂

 

Do you also love yema?

 

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Posted in skin care

Swatch Fest

Today, I will post my favorite nude lipsticks. Before, I only use lip balm and I am good to go because I have an uber dry lips. I became too hooked up with lip balms when my daughter and I stayed in Dubai for a month. The weather there both made our lips like a desert and thus gives us extra reason to keep our lips hydrated. After a while, I realized that it is quite appealing to color the lips and the next day, I suddenly become addicted to lipsticks.

I first got red shades because I am a newbie and I always read in other people’s blog that you cannot go wrong with red. So I did. When my mom first saw me wearing red lippies, she told straight to my face that it does not suit me. I immediately get rid of it. Then, I figured out I look better wearing nude shades. So, without further ado, here are my favorite shades.

 

Three of these are organically made. All the sticks are organic while the only liquid lipstick (Matte in Detail) is not. Below are the swatches. 

 

Bethany is Colourette. This is the brand’s top selling nude shade. It finishes off creamy matte but more of the creamy side. It smells like caramel. It costs P499 (regular price) I got it from a giveaway and only paid P150 for it to cover for the shipping fee.

Draco is from Sooper Beaute. This is made from natural ingredients. It finishes off matte. Too matte that during windy days, you will feel how dry your lips are. Regular price is P280. This smells like crayon. Got it not from a giveaway but somewhat quite like a gift.

Momoko is bought from Natura Organics. This lippie is made from organic ingredients as well and thus, like Colourette, it is kid friendly. I really like this lipstick because of its minty effect. It smells like watermelon. It finishes off creamy matte. You need to blot it with tissue to achieve the matte look. Price is P329.

Joyce D14 is from Matte in Detail. It is the only liquid matte that can be anyone’s favorite matte lippie. The finish is super matte. It is very light weight and sets really fast. It is my favorite shade among the rest but too bad, it is not made from organic ingredients. The price is thing is more or less P250. I got it from a giveaway that’s why I am not sure.

 

If I am to buy after finishing off these four, I am looking to buy Colourette shade in Sahara and Natura Organics teen dream collection in Chika. Colourette is easily available online or through their several kiosks. Natura Organics products can be purchased from Doc Mel through their instagram account 🙂

 

What’s your favorite shades?

 

 

 

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Posted in food

Snack Pack Pudding

I am a food lover but I rarely write about it. I apologize about that. We recently went to Clark for the Puregold’s Summer Sale. We had the best time because me and my husband would always find time to shop when it’s sale. Our favorite is Puregold (Clark or Subic) because we are sweet lovers. We live about an hour and a half away to Clarkfield Pampanga. Instead of going to Manila, I would definitely choose Clark or Subic :). So, we left at around 9 Am and we arrived at 11 or before 11 am. The place was jam-packed. There were so many people like us who are looking forward to spend less on sweets and other PX goods. With the high exchange rates nowadays we did not expect that there will be long lines. There are items that are still expensive while some made us happy. We got Milky Way which only costs P120 per 400g pack, Snack Pack (P55) per pack of 4, Ruffles 2 for 199, Chocolate cookies like Nougatelli (P65) and chocolate chip same price. The cookies are my daughter’s favorite. I have tried Snack pack in the past but maybe I miss it this time it I am craving for it all the time.

 

 

That’s the picture. I was not able to take a good shot because it was too late when I realized that it can be a great blog post (LOLZ). This is a chocolate pudding. If served chilled, it tastes better than ever. I am happy my hubby got 3 packs so a total of 12 snack packs. But I gave one pack away so I was left with 8 haha. Anyway, this snack pack is also available in various supermarkets but I am not quite sure of the price difference. Overall, it is worth to eat especially if you are a choco lover like me. It is perfect for merienda or when you just crave for chocolates! Other flavors are also available like vanilla, and choco vanilla if I can remember.

 

Have you also tried this? Any other choco snacks you want to share?

 

 

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Posted in skin care

Zale Beauty Powder in Tan

I have already written about setting powders before. It is about Shiseido medicated powder and Palgantong. Click here to read. Today, I will write my personal thoughts about Zale beauty powder in tan. This is a super affordable alternative for beauty buffs who want shine free look all day long.

Zale is made from Thailand. It is endorsed by the soul siren, Nina. With the downturn of economy and most cosmetics are priced significantly beyond the budget of most women, having this kind of product makes it less complicated to stay beautiful. The sad fact is, it is not widely available nationwide. As per their instagram account, it is available in limited  areas in Metro Manila. I got mine from Isetan Dept near Quaipo church when my hubby went to visit.

That is how it looks, for P49, you can get the same coverage and shine free look that you need to set your foundation like the branded expensive setting powders in the market. No doubt that it is a must try for every woman.

The powder has two shades but I asked to get Tan to play safe that it will match my skin tone. This shade is perfect for pinay skin tone. the other shade is bright.

Many celebrities and bloggers were given the chance to try this product and their reviews were positive. Of course, they got it for free and chances are, they will give positive reviews. As for me who got it from my own wallet, I can still give it a positive rating for its price, UV protection claims (no specific info of its SPF), and anti acne properties.

Overall, this is a must try product. Have you also tried it?

 

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Posted in skin care

Cyleina Organic Soaps

I have been looking, using and trying out various soaps. From the ones found at the supermarket, facebook, instagram and so on. Since I have oily to combination type of skin, I opt to use hard soap rather than the facial wash. My latest discovery is Tomato Soap by Cyleina Organic. It claims that it can shrink pores, whiten skin and prevent acne. I am not after to lightening my skin as I am more of the acne preventing effects of a product.

I bought two variants because the Shea Butter is used by my daughter who suffers from eczema and other skin issues. She is very prone to itchy dry skin that’s why.

The images above shows the content of the product. It is labeled that all soaps were intended for the face and body. As far as I can remember the tomato soap is around P110. The shea butter which has less content than the tomato variant costs cheaper at P64.00. Based on my experience and as what I have noticed with my daughter’s skin, I can say that these soaps are pretty much true to its claim. Both are good and will not irritate or cause breakout. The eczema of my daughter is not flaring up as well. Pretty much content with the soaps. The best thing about it is it is available in most SM groceries, Watsons and maybe in other supermarkets as well.

 

Have you also tried this soap? Any drug store brand that you can recommend made from organic ingredients? Share your thoughts!

 

 

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