Bitter Sweet Life

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

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. :)

Quotation Treasure #1 : Blessings


"The secret to happiness is to count your blessings while others are adding up their troubles."

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?