Bitter Sweet Life

A collection of my life (mis) adventures on being a wife, mom, daughter, friend, and anything in between.

Showing posts with label money matters. Show all posts
Showing posts with label money matters. Show all posts

How to check your SSS Loan Balance via Online Inquiry

As I've doing my search about SSS, I've came to this post wherein people where asking how to check their SSS loan balance. They provided their loan account number on this particular site without even knowing that they can actually see it via an online SSS account. See image for reference:

source: via yahoo answer
Anyway, for you people, here's the easy steps for you to check your loan status and balance. I included images for better instructions.

1. First is you need to register and login for your member contribution information on the SSS Philippines website here:

2. After that, you will get redirected to member's homepage. Click E-services, under that is Inquiry, Apply for Salary Loan & Submit Maternity Notification. Click for Inquiry.

3. After clicking the Inquiry, you will get redirected to Employee's Static Information wherein you can view all about your SSS account - loans, benefits, etc. Click for loans, under that is Loan Status/Loan Info. This is the section where you can see all about your loan information.

4. You will get redirected to Loan information page wherein you can see a summary of your loan. Click the "Statement of Account & Loan Payments" to view the list of all availed SSS loans.

5. You will get to this page, wherein you can see the loan application details, loan information & as well the list of availed loan. Click the recent SSS Salary loan that you have applied for to see your payments and balance.

6. As I said earlier, you will get redirected to the page which shows you the total amount of paid & balance of your SSS loan. See the image below.

I hope this simple tutorial helps you guys on how to keep yourself updated with regards to your SSS loan payments & balance. Let me know if you have questions or any other concern via comment.

9 Tips On Saving Your Money

It's been half a month now after we welcomed 2015. Most of the people tend to put on their new year resolution the goal of saving money. It always a cycle yearly - save money, invest, live within our means, etc. But honestly, how many of us turned this goal into reality? Anyway, below is the list of simple tips on how to save some money.

1. Record your expenses. So grab a notebook and jot down all your day-to-day expenses since the first step in saving money is to know how much you are spending.

2. Plan on saving money. Actually, our savings should be deducted first once we got your salary. It's like paying our self first. Standard formula for us to save is Income - Savings = Expenses not the other way around which is Income - Expenses = Saving.

3. Set savings goals. Be sure to know, why you are saving. Is it for your child education, retirement or anything? This would really help you achieve your goal.

4. Make a budget and do stick with it. Do create budget for your grocery, your daily work expense, etc.

5. Decide on your priorities.

6. Live within your means. Always!

7. Make saving money easier with automatic transfers.  This can be tied - up into your payroll account so you'll have an automatic and force savings. - Wasn't able to do it since the company's bank branch is from ParaƱaque while our office location is here in Taguig.

8. Different savings and investment strategies  for different goals. Do create different account for your saving purposes. I actually have an ATM account for emergency needs, then another bank account for short term saving goal & and I have a VUL - a mutual fund and life insurance at the same time for long term saving goals. I am also planning to venture into Mutual Funds and other investment products. I hope budget will allow me. =)

9. Last, watch your savings grow.

Also, be sure to have discipline and continue doing the tips above so your savings will double up. Hope this might help you! How about you, what saving tips you can share to us?

January: On Being Healthy

If you're actually gonna ask me how was our January. It is actually a rough road. The whole entire family got sick - I was included on the list. Maybe, it was because of the humid & cold weather. So cold that almost all the Filipino got flu and colds. Anyway, My baby boy was the one who got sick the most . He's fever was on & off plus the cough, colds & diarrhea. We already went to his Pedia but unfortunately looks like he doesn't get well. Last January 15 (during papal visit), we rushed to the nearby hospital because he has a high fever with lots of red spots on his skin. We actually thought that it might be dengue since the symptoms are relative to it. But after the health specialist examined his blood and stool, thank God that it wasn't caused by dengue nor his diarrhea wasn't caused by amoebiasis. So how was that incident related to money? Do you know the saying that "Health is wealth" right? It's very very true! Health really ensembles our wealth. If you're super duper rich yet your health suffer, for sure your money will be gone to soon. Yet when you are happy and healthy, you could acquire much more wealth and spend it on the things you've ever wanted. Anyway, that incident actually cause us almost 5k - prescribed milk & medicines only. It's one big "uh" to our family budget - you already know the reason why. So what measure do we do to prevent this things to happen again? Below is the list of things of staying healthy and happy:
  1. Always making sure that the 2 kiddos drink their vitamins including us, adults.
  2. Eat healthy food always. We almost eat vegetables, fish and fruits everyday.
  3. Lots of lots of water to drink since it helps us to wash away the toxin in our body.
  4. Have an enough sleep - so we are making sure that they get 8 - 10 hours a day of sleep plus a nap time in the afternoon.
  5. Make them play outside. This will serve their exercise.
It is really hard when someone in the family is sick. So let's should be wary of the things we do to our body. As the saying says, "Health is wealth". I hope this February will be very good to us.So how about you guys, what have you experienced last month?

Cebu Pacific Valentine's Day Seat Sale

Cebu Pacific announces their Valentine treat for travelers entitled "Basta FLYER Seat Lover Php1.43!". This promo is for domestic and international destinations. Travel period is from June - December 2014.

For tickets, head on to Cebupacific website or their respective ticketing offices. Promo period is up to February 16, 2014 only or until seat sales last. Please be reminded that it is subject to availability.

My First ever SSS Salary Loan

After working for more than 3 years in different companies, finally I have used my SSS loan benefit for the first time.

For first timers like me, as long as you have 36 posted monthly contributions, you are qualified to file a loan. 
Anyway, these are the following SSS Salary loan requirements I submitted to our HR:

  1. Photocopy of my SSS ID, Company ID and any other 1 valid ID for supporting document. For voluntary, just you’re SSS ID and other 2 valid IDs.
  2. Accomplished SSS loan application form (click here to download SSS Loan Form)
  3. Prepare as well an authorization letter, if the company will process it in behalf of you. (For employed members only.)

Whoala! Just easy as 1-2-3! All you have to do now is to wait for the check which will take a couple of weeks before it will arrive. Or you can check your SSS online account (if you have one!) from time to time to check your loan status. 

On your online SSS account, you will see a Check Generated Status, Check Date, Loan Amount, Check Amount and your monthly amortization which will be deducted on your salary after two months. See image below for reference: 

Check will be delivered to your employer’s address for SSS employed members or to your home address if you are voluntary or separated members. So I’m expecting mine to receive at our office since our HR was the one who filed it for me. :)

Freebies I've received lately!

I am very thankful that I am a thread subscriber of Freebies on Girltalk. This forum thread given me a chance to received different free stuff shared by GTalkers. Anyway, below is the list of the freebies and samples I've received lately:

  1. EQ Diapers Pregnancy Kit which includes baby wipes, maternity pads, baby book and 2 newborn diapers. I received it last February 1, 2013
  2. Avon Anew Anti-wrinkle trial pack which includes a 28 sachets of free sample of anti-wrinkle cream. I gave this to my mom. :)
  3. Anmum Free Sample -  I remember that I took the 1 minute Folate Test at! Right after answering the survey, I just filled out the form with my complete details. And there you go, waited for my sample to arrive! Anyway, got my anmum chocolate sample yesterday (March 14, 2013)!

Whew! How about you guys, what have you received lately?

Opened a BDO Junior's Savers Club Account today!

Because of being an avid reader/member of SmartParenting (a house of  an active community of parents who seek support and information from each other through a credible and fun venue.), I came along with the kiddie saving bank account thread which give me insights to start saving for my baby's needs and for her future as well. So the eagerness of saving for my daughter led me to opened a BDO junior savings account today.

Why I chose BDO? Mainly, it's because of accessibility since there are two branches available and near at my office.

Anyway, BDO Junior's Saver Club is a passbook savings account for children who are 12 years old and younger.


Initial deposit requirement, PHP 500.00 PHP 500.00
Minimum monthly ADB requirement PHP 100.00
Minimum balance to earn interest PHP 500.00
Interest rate per annum 0.2500%

Requirements you need to prepare:
  1. Birth certificate of your baby
  2. Your baby picture
  3. 2 valid ID of parent who will open the account
  4. 1 1x1 ID oicture of the parent who will open the account
  5.  Last is the money you are going to deposit which is the most important one!
After few minutes of waiting for the teller to process my request, I got the passbook at the same day! So happy that I chose a right decision here. How about you guys, What are your ways to invest for your child's future need?

Bazaar: Babypalooza February 2013

Babypalooza Bazaar @ Ateneo De Manila University
February 16 - 17, 2013 (9AM - 7PM)
Walter Hogan Conference Center, Ateneo De Manila University, QC.

Babypalooza bazaar focuses more on items and services for babies, toddlers and expectant moms. It features both preloved and brand new premium items from wide list of trusted local and imported brands. You can expect to find Avent, Indigo Baby, Crocs, Crayola, and a whole lot more! I forget to mention that this bazaar has a special feature called the Vendor Protection Program (VPP) which ensures that the items of one Babypalooza vendor will not be sold by another. So you will be sure that your product design you choose is unique. 

So don't forget to book those dates and do your baby shopping at Babypalooza bazaar!