Working Mom

Online money transfer has never been this easy, few years back. Now we can easily transfer money online with a few touch from a mobile phone. Here are the common way of transferring money especially in case of emergency. Smart Money Padala - You can find this anywhere, even small store are offering remittance and money transfer. You can also have your own card by registering at Smart , they will give you a Smar Money card as long as you have a Smart Mobile number. Usually they can provide you a maximum of three cards per account.  There is a transfer fee, minimum of Php5.00 (as of writing). Globe GCASH - Transferring from GCASH to GCASH is free. If you are a Globe user, you can open an account with GLOBE . You have to pay P150 (at the time of this writing) to get the card right away. Easy right. Coins.ph - Coins.ph is also a mobile app, where they offer Bitcoin to Peso conversion, and vice versa. You can send and received money, but would take a while in some third par

Most Filipinos have days when they just exclaim, “Hindi ko alam kung san na napunta ang pera ko.” (I don’t know where my money went.) Most of Filipinos are used to saving and budgeting for the big purchases so that they can afford it. Some do not track their budgets and wonder where these “mystery spending” are coming from, as stated by 21% of the survey respondents of “Enhancing Financial Capability and Inclusion in the Philippines - A Demand-side Assessment” by the World Bank in partnership with the Central Bank of the Philippines. They wonder where their money went because of unnecessary expenses which are untracked. Here’s a look at five of those seemingly small expenses that can ruin your budget. Additional Charges Dues to Late Payments Interest rates of credit cards may seem low at 1.99% - 2.99% but if you compute it, here are some computations of amounts of interest: Credit card charges sample computation Interest rates on credit cards Php3,588.00 and Php7,176