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Bogie

Bogie

CDO Lifestyle Blogger. Blogger since 2008. Educator. Life Mentor.

Building Responsible Credit Habits

by Bogie August 18, 2022

In today’s economy, using credit is one of the most powerful tools to get a house mortgage, acquire a new car, or just doing ordinary daily purchases. Once you have started off your credit journey, it is important that you build good credit habits because this can create a great impact on your financial goals. 

Here are a few tips on how to build responsible credit habits. 

1. Plan your Financial Goals

A financial goal is a plan you have for your money. This includes how much money you will save, and how much you will spend. Moreover, you also have to plan how you will pay off any current debts and weigh credit options carefully.

Once you have written down your financial goals, make sure that it is truly the goal you want for yourself. Planning your financial goals is essential so you can achieve what you want for your money and have a positive credit profile.

Once your financial goal is clear to you, it will help you change how you look at your money and how you will manage them properly.

2. Pay Your Bills On Time

Paying your bills on time is one of the important aspects of managing your finances well. It can help you save money, lessen your stress and build a solid credit history. On the other hand, If you don’t pay your bills on time it can damage your credit score, cost you money for paying interest and create other financial problems in the future. 

If you are the type of person who doesn’t pay bills on time, the chances of availing of credit and loans are less. Although, you may still be able to avail of loans for bad credit like short-term loans, make sure to pay them on time to avoid more financial problems in the future.

3. Monitor Your Credit Regularly

Monitor your credit by reading your credit card statements, billings and etc. By doing this, you will be able to keep track of how much debt you will pay for the specific month. Moreover, you will be able to correct if there are errors and other identity theft threats. 

4. Don’t Buy Things You Can’t Afford

If there are things you wanted to purchase, evaluate first if you can truly afford them. If not, you should wait to buy it until you can afford it. If you are buying things you can’t afford, you will end up achieving those through credit. The next problem would be is to look for the money to pay for it.

As Dave Ramsey would say, “Don’t buy things you can’t afford with money, with money you don’t have, to impress people you don’t like”. 

Do you plan to buy a house? Evaluate your resources first by understanding your income and other potential expenses.

5. Establish Good Saving and Spending Habits

One of the good ways to have good saving and spending habits is to create a budget and stick to it. Monitor how much you earn and how much you spend. By doing this, you can track and manage your expenses better. 

These are just a few tips for building good credit habits. You may not be able to do them overnight, but you just have to take one step at a time towards building responsible credit habits. One day, you will thank yourself for the discipline that you make and the positive impact it has made in your life. 

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shopeepay

Five Things You Can Do with ShopeePay

by Bogie June 29, 2022

Nowadays, there are mobile apps for just about everything, even for activities like shopping or making financial transactions that we previously could not do online. With thousands of apps available for our use, it’s best to choose one with different features so you don’t have to constantly switch between apps. Are you looking for versatility and convenience? Then ShopeePay is for you. To get started, simply download the Shopee app, activate and verify your ShopeePay Wallet. From paying for items on Shopee to sending money, there’s a lot you can accomplish with Shopee’s integrated mobile wallet.

Here’s a quick rundown of the things you can do with ShopeePay so you won’t miss out:

1. Avoid bank fees when you cash in via InstaPay or link your bank account

There are plenty of ShopeePay cash in channels to choose from like payment centers, e-wallets, online banking, debit cards, and more. Aside from these convenient options, did you know that you can also avoid admin fees and cash in for free? One way is to link your BPI or UnionBank account to cash in for free. For those with a different bank, cashing in is also free when you use InstaPay on your bank’s online app—get up to P25 cashback on your first two InstaPay transactions per month. 

To make the experience even more rewarding, you can join the ‘Cash In and Win with InstaPay’ promo and stand a chance to win P100,000 worth of prizes when you cash in at least P1,000 via InstaPay from June 27 to 30. Cash in as many times as you can to earn more raffle entries.

2. Send money to any bank, e-wallet, or Shopee user for free

Need to send money to your friends or family? No need to worry about paying additional fees. The best thing about sending money with ShopeePay is that it’s free, no hidden fees. Choose from different ways to instantly send money— to bank account, e-wallet, scan to send via QR, or try the new Ang Pao feature. You can use ShopeePay Ang Pao to surprise your friends and family during special occasions or to send money to multiple people at the same time without incurring additional charges. Here’s a short video on how to use Ang Pao:

On top of zero fees, you can also earn money when you participate in ShopeePay’s send money promos until June 30. 

  • ShopeePay Mission – From June 23 to 30, send at least P50 to any ShopeePay user or bank/e-wallet account, and earn raffle entries for every transaction. Eligible users can get a chance to win up to P1,000,000. 
  • Double Ang Pao promo – Get double the amount you sent when you send at least P50 to 40 friends from June 27 to 29 (capped at P200) and to 100 friends on June 30 (capped at P500). 

3. Buy discounted load and data for your mobile phone

We’re used to purchasing prepaid load from reloading stations that usually add extra costs on top of the load. Why pay full price or more when you can call, text, and surf the net with discounted load and data promos from ShopeePay? Get up to 10% discount for mobile load and data from the country’s major networks when you top up your prepaid SIM. Tip: Check out ShopeePay’s flash deals and payday discounts for more offers.

4. Get cashback when you pay your bills 

Whether you need to pay for daily utilities like electricity, water, and internet or personal expenses like loans, insurance, or government contributions, ShopeePay is a one-stop shop for your bills payment needs. Get the most out of your monthly budget with cashback vouchers when you use ShopeePay to pay over 60 partner billers—new users can get up to 100% bills cashback (minimum spend P180, capped at 180 coins). 

5. Access amazing deals in-store and online shopping perks

Check out ‘ShopeePay Near Me’ on the Shopee app to discover deals for as low as P1 from popular food & beverage outlets, retail brands, and more. Avid online shoppers can get more value for money when you pay Shopee purchases with ShopeePay’s exclusive shipping discounts and cashback vouchers. This June 30 Payday Sale, enjoy even more rewards such as sitewide shipping discount vouchers w/ P0 min. spend, up to P1000 off on bills and 10% off vouchers when shopping.

Activate ShopeePay now and start enjoying its benefits. To learn more about ShopeePay, visit https://shopee.ph/m/shopee-pay. Follow ShopeePay’s Instagram and Facebook pages to be updated with the latest promos.

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Should You Buy a Car When Fuel Prices are High?

by Bogie June 23, 2022

Buying a new car is one of the aspirational buys for people here in the Philippines. It is one of the goals for people who have increased salaries and want to live the dream they want for their lives.  While it is good to own your dream car, fuel prices are skyrocketing these days. The big question now is, should you continue to buy a car even if fuel prices are high?

According to the news, some Filipinos continue to buy new cars despite higher fuel costs, but the skyrocketing prices might eventually drive interest toward hybrid electric vehicles or HEVs. (Philippine Inquirer.Net news)

Higher fuel costs would not necessarily mean that people will no longer buy a car. I guess it really depends on the need of an individual. Some people would consider using Public Utility Vehicles others would prefer the convenience of having their own car and the accessibility of being able to go to places without hassle. 

The Right Car for You

You may want to set some goals before getting a new car as fuel prices are very high. You have to make sure that it suits your needs in the years to come and it will truly make the best value for your money.  When you are prepared, things will be easy and stress-free for you in the long run. Here are the top three questions to ask to help you find the right car that suits you.

1. What Are Your Needs?

The first question to ask in looking for a car is what do you intend to use your car for? Is it for city driving, off-road, or for long drives? You may also want to consider how many passengers to need to carry, cargo capacity, and what other features you need. You have to do your research.

Since high fuel price is an issue these days, you may also have to consider what kind of vehicle will help you save more on fuel costs.

2. How Much is Your Budget?

You have to know how much you will spend on the car that you want. If you plan to pay for your car through financing, you may have to consider how much you can afford for car payments each month. You will also have to consider car insurance fees, maintenance fees, and most of all fuel fees. This means you will have to calculate everything before making a big decision.

“Most of the common mistakes people do is buying a car without having a realistic understanding of how much more it will actually cost to own it. Hence, they end up spending too much and exceeding their budget. ” -CNBC.com

3. New or Used?

The next thing to consider is whether to buy a new car or a used car. That will surely depend on your budget. 

New cars are more expensive and they tend to depreciate faster. Used cars on the other hand are cheaper but some cars are prone to maintenance repairs. You have to weigh the pros and cons but you can still find used cars that are sold by dealerships. In this way, you will have the assurance that these cars have been through rigorous inspections and are still in good running condition.

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