Save Money Now

Oct 28, 2021 | Live, Only Berlin

Do not let another COVID-19 catch us off guard

Most of us would surely want to save money and enjoy financial freedom. Ms. Izza of SavingsPinay.ph defined financial freedom as having enough resources to sustain our living expenses and at the same time allow us to fund our life goals. It also means we have enough savings to not worry about the future. 

Save Money Now

Despite the many talks about financial freedom, many still weren’t able to save. In fact, according to Bangko Sentral ng Pilipinas on its 2019 Financial Inclusion Survey, only 53% of the adult population have savings.

Given the day-to-day costs that continuously soar, no doubt that many families aren’t able to save money. The cost of education, for instance, has risen precipitously. Even the cost of child care, housing, and food doubled. Sadly, however, the salaries of most working individuals have largely stagnated if not increased a little; thus do not go as far to cover even the necessities.

It thrills us then to know that there is a World Savings Day where financial institutions – public or private – and financial advocates gather and promote saving mobilization. And the idea is obvious – to help every Juan to save. 

Help every Juan save

When we say saving, it is the process of parking or keeping money in a safe place that we can easily access in times of need. Having savings will spare us from unexpected expenses or financial surprises, just like what happened to most of us this pandemic. Saving is a lot beneficial, too, for non-emergencies. For example, we may use the money we kept for years to afford a significant future expense like our kids’ education, a grand vacation, and even a new home. 

Talking with mom friends, we learned that though they want to save for the future, they do not know how to start. And many even think it is already too late to save. But when we check on them, they often have the latest mobile phone model. Or they are the ones who are first to check out during the online sale. 

Do not let another COVID-19 catch us off guard
Save money now

How to save money

We love how Ms. Izzy reminds us to spend less money than we bring in. Most often, we do not create a budget to plan our expenses. There are many instances, too, that even if we have a budget for something, we use that money instead for an unexpected sale we saw online. We even defend our purchases and reason out they will not hurt our budget. The truth is, those impulse purchases are often for the wrong intention. We only buy them because of the opportunity to save money. However, shopping for a sale is spending money we wouldn’t have spent anyway. And when we look around us, we will see those cute urgent purchases we got on sale, and the sad part is, we don’t have use for them. 

If only we could live within our means, save and invest a portion, we are doing our future self a big favor.

Where to put our savings

We learned of an easy way to put our savings and a perfect answer to the World Savings Day call to save – the Cebuana Lhuillier Micro Savings.

Do not let another COVID-19 catch us off guard
Do not let another COVID-19 catch us off guard

Why do we mention it is the perfect answer?

For one, opening a Cebuana Lhuillier Micro Savings account is as low as Php 50.00. It works like regular savings account wherein we deposit and withdraw anywhere at our most convenient time to Cebuana Lhuillier’s 2,500 branches nationwide. What makes it even convenient is that our micro-savings account is accredited to almost 21,000+ Bancnet ATMs nationwide. We can then withdraw easily should we need to fund something. We could even use our Micro Savings account to pay at 350,000 Unionpay, and Bancnet accredited retail stores nationwide. This makes it easy and safe for us to leave home without any cash and use our Micro Savings for our purchases. To add, it only has zero to minimal fee whenever we use our Micro Savings for transactions. 

But what we love best about Cebuana Lhuillier’s Micro Savings is its competitive interest rate of 0.20%. We can also save more considering that its transaction fee is zero to minimal only. And yes, we can even start earning interest once our savings reach the minimum maintaining balance of Php 500.00. This is perhaps the most significant advantage of having a Micro Savings account – we let our money grow. 

save now

Indeed, the sudden arrival of COVID-19 brought a lot of changes in our lives. And if there’s a silver lining to this pandemic, it helps us see and feel first-hand how our perspective on money changes each day. Moreover, it brought lessons on how to survive this seemingly endless quarantine period and how to face the future. 

May these lessons help us appreciate the beauty of saving money and develop this skill not just for today but for our future selves. 

Imagine when our savings slowly pile up, we could proudly say that we are more than ready for another uncertainty, and when that time comes, we do not let it catch us off guard. 

Momi Berlin Directory

Cebuana Lhuillier Micro Savings | Facebook Instagram

23 Comments

  1. Dhel Manog

    Isa po talaga sa mga pangarap ko din ang magkaroon ng Micro Savings Account sa Cebuana,dahil po sa halagang 50 pesos ay pwede ka ng mag makapag open,napakababa na nun.Pero dahil nga po sa pandemya hindi ko pa po magawa makapag ipon at di pa po ganon ka okay ang work ni mister ko,pero sisikapin ko po talaga ang makapag bukas ng sariling Micro Savings Account para ba din sa future ng mga kids ko.

    Reply
  2. Yanpaladquisol

    Ito talaga ung importante ang makapag-ipon para sa future ng buong. May magagamit lalo kapag may health emergency o kaya naman sa pag-aaral ng mga anak. Ang ganda nitong micro savings ng Cebuana kahit maliit na halaga pwede na tayo magsimula makapag-ipon. ❤️

    Reply
    • momiberlin

      nakakatakot yang ganayng health emergency. need talaga maglabas ng pera dyan at kung may ipon, kahit paapano ay may madudukot.

      Reply
  3. Ma. Cyril Creer

    Ang hirap po talagang magSave lalo na kung sapat lang ang pera mo para sa panggastos at sa pangangailangan ng pamilya .
    Pero kailangan po talaga nating magkaroon ng savings upang in times na kailanganin natin ng pera ay may madudukot tayo ..
    Mabuti nalang po at may Cebuana Lhuillier’s MicroSavings .. Sa halagang P50 pesos ay pwede ng makapag-open ng account .. Malaking tulong po talaga ito .. Thank you for sharing momi Berlin !

    Reply
    • momiberlin

      importante po ang may savings para kung anuman mangyari, may mdudukot tayo. pakonti-konti kaya natin yan.

      Reply
  4. Rose Ann Mae H. Fernandez

    Thanks for sharing po mommy, sa totoo lng po hirap po tlga kame sa Pagiipon ng asawa ko ngayon dahil kulang na kulang po tlga ang Kita pero sa Ganitong paraan po pala kahit maliit na halaga ay pwde na po palang Magsave ng Maliit sa pang araw araw ay eto ay lalaki sa Pagiipon. Inform ko po si Mister na may Ganito po palang Micro saving Cebuana po na pwde po kameng magipon kahit na sa Maliit na halaga lang po. Kahit po papano ay makapag ipon kame kahit pakunti kunti lng para sa aming mga anak maraming salamat po sa Pagshare samin na may ganito pong pwdeng pagipunan. GODBLESS MOMMY Berlin😇☺️🙏♥️

    Reply
  5. Rose Ann Mae H. Fernandez

    Thanks for sharing po mommy, sa totoo lng po hirap po tlga kame sa Pagiipon ng asawa ko ngayon dahil kulang na kulang po tlga ang Kita pero sa Ganitong paraan po pala kahit maliit na halaga ay pwde na po palang Magsave ng Maliit sa pang araw araw ay eto ay lalaki sa Pagiipon. Inform ko po si Mister na may Ganito po palang Micro saving Cebuana po na pwde po kameng magipon kahit na sa Maliit na halaga lang po. Kahit po papano ay makapag ipon kame kahit pakunti kunti lng para sa aming mga anak maraming salamat po sa Pagshare samin na may ganito pong pwdeng pagipunan. GODBLESS MOMMY Berlin😇☺️🙏♥️

    Reply
    • momiberlin

      hope maka open po kayo at makaipon kahit papaano.

      Reply
  6. Rosebel S. De Vera

    Ito po talaga ang importante ngaun na khit maliit man lng maipon natin or matabi kahit paano mkaka tulong pdin sa atin in case n my mga gantong sitwasyon. Ang hirap din tlga ng wla kang ni piso na ipon d mu alam san ka hihiram lalo n ngaun pandemic lahat tau nid ng Pera. Kaya super importante na makpag ipon tau paunti unti para meron tau madukot. Thanks ma for sharing this..

    Reply
    • momiberlin

      ngayong pandemic dami rin talaga nagulat. kung may ipon, kahit papaano may madudukot.

      Reply
  7. Rosebel S. De Vera

    Ito po talaga ang importante ngaun na khit maliit man lng maipon natin or matabi kahit paano mkaka tulong pdin sa atin in case n my mga gantong sitwasyon. Ang hirap din tlga ng wla kang ni piso na ipon d mu alam san ka hihiram lalo n ngaun pandemic lahat tau nid ng Pera. Kaya super importante na makpag ipon tau paunti unti para meron tau madukot. Thanks ma for sharing this.

    Reply
    • momiberlin

      yes, hirap un wala ka man lang ni piso. paunti unti, kaya natin makaipon.

      Reply
  8. ellaine parame

    Sa panahon ngayon ang tangi ko nalang naiisip ay ang mag ipon ipon kahit patingi tingi like 20 pesos Bawat panalo ko sa promo minsan nilalahay ko sa 24k cebuana savings acct ko ,matagal nako nag iipon malaking tulong talaga kasi safe ang money mo walang hassle pwd mag withdraw anytime u need at marami din siyang features like mgpadala ka sa mahal mo sa buhay or magbayad ng bills..Kaya I love Cebuana talaga..

    Reply
    • momiberlin

      aw. so love to hear this.

      Reply
  9. Ruby Grace Pagar

    mahalaga talaga ang may ipon ika nga pag may isinuksok may madudukot ang kagandahan kay cebuana kahit maliit na halaga pwede mong ipunin sakanila na dika matatakot at alam mong safe ang pera mo

    Reply
    • momiberlin

      yes sa safe ang pera mo sa Cebuana.

      Reply
  10. jennifer sarno cruz

    Ang galing ng cebuana…sa maliit na halaga mag eearn na ng interest ang pera mo, malaking tulng sa mga gusto mag impok.

    Reply
    • momiberlin

      napakalaking tulong tlaaga. di natin namamalayan ang ipon natin doon, malaki na

      Reply
  11. Anarose Lucero

    gusto ko to,Ang mura lang pala para makapag open Ng savings account sa Cebuana,pag dito lang Kasi ako nag iipon sa bahay,di tlaga maiwasan dukutin ko or madukot Ng Isa ko😄

    Reply
    • momiberlin

      oo mura. buti nga at nashare din ng Cebuana ito kasi di ko rin alam na pwede na pala ganyan kababa.

      Reply
  12. Joan lacida Andal

    I need this for our future

    Reply
  13. Mitra Lyka

    Yan din po ang iniisip na naming gawin para magkaroon ng ipon po. Syempre tumatanda po kame at ang mga bata eh lumalaki na din kaya dapat magkaroon sila ng magagamit sa pag aaral sa kolehiyo at the same time para sa pagreretiro po namin.

    Reply
    • momiberlin

      kalimitan naman ang iniisip natin ay ang future ng mga bata e kaya gusto natin talaga makaipon.

      Reply

Submit a Comment

Your email address will not be published. Required fields are marked *

About Me

Welcome Message

Motherhood, as I live it, is a gift not everyone can appreciate until she learns to truly live it. More musings and realizations, fun discoveries, and mommy tips at Momi Berlin's blog.

Philippines Blogs
Banners for Top 30 Mama Blogs

Soon to be published

Momi Berlin is a

tapfluencer

Our Community Partners

mommy-bloggers-philippines-logo

Grab your copy now!

Webhosting Partner

masaion logo

Subscribe

error: Content is protected !!
Subscribe To OurNewsletter

Subscribe To OurNewsletter

Join our mailing list to receive the latest news and updates from our team.

You have Successfully Subscribed!

Pin It on Pinterest