Is it really true that you can earn money online without investment?
Yes, this is 100% true — if we are talking about ‘money’ investment.
But in order for you to actually ‘EARN’, you need to invest in a lot of patience, determination, coupled with a do-it-now and can-do attitude.
While some of the many eager people out there already knew the potential of earning online, many of us are still wondering how to have their first dollar in the world of internet.
Also, you might be asking yourselves, ‘I heard we need to write very well to land in a job online.’; or, ‘I just don’t know what my skills are for this online thing.’
But, may of us are still into knowing how online work is really ‘working’.
So, we compiled some of the many online jobs that will help you in answering your — how to earn money online, how to earn money online without investments, how to earn money online without paying anything, questions’
1. Be a Freelancer and Start Making Money Online
Essentially, a freelance job is one where a person works for themselves, rather than for a company. While freelancers do take on contract work for companies and organizations, they are ultimately self-employed. – source
If you know how to write in English, how to organize your thoughts and research on some materials and studies, maybe know and love excel, there are a lot of side gigs and even fulltime work that you can try! Just beware of scams because yes, there are many bad guys in the internet freelance world y’all.
Virtual Assistants, Digital Marketing.. these are just two of the many online jobs that are in demand right now. Note that you will not shell out money investment here, just pure perseverance, focus, and your I’m-not-giving-up attitude!
All of us can sell anything online. Why? Because I am 101% sure that you have something in your house, apartment, or dorm that needs to be put to trash. But why put to trash if you can sell it online?
Personally I made a shop for preloved items which I started back in 2011. I stopped the operations but hopefully, this we will open again this year. Follow us here: Ukay Okay Shop.
You can also open an account on Shopee.ph and sell your stuff there. Yes, you can sell pre-loved items and even go ‘Live Selling’ as well.
So I suggest you start cleaning your house, or better yet, read blogs about minimalism. You’ll love it for sure!
Focus on the rooms, kitchens, and storage areas. I am very sure you will see many things that can be sold online.
4. Start a Blogger/Blogspot Account and Get Money From It through Adsense, and many other advertising gigs
Did I hear a ‘Yehey!’?
Of course, this may sound so easy and perfect.. You imagine yourself just sitting lousily while waiting for thousands of internet users to share your blog and visit your website with 1 post only.
But, hello? No.
This requires a lot of patience, determination, hard work, with a lot of CONSISTENCY.
Go and sign up at blogger.com, know what you really want to write that people would want to read, write, write and write, and sign up on adsense.com for advertisements if you have a steady number of visits already.
Again, this is not a one-night-only kind of online work.
One of the very interesting thing to do to make online money these days is through Youtube.
Youtube channel is actually just blogs; not written but videos instead. Once you reached a certain threshold for views and subscribers, you’ll definitely earn from a minimum of $100 or more than per month!
So, there you go! We hope that we answered some of your questions on how to earn money online without investment.
These are just some of the many opportunities you will encounter when working online. For questions, suggestions, please leave a comment below.
And just yesterday, September 11, 2019, I got to finally process my PAG IBIG MP2 Savings which had been in my goals list for such a long time already! I thought the whole process is a hassle for a working BGC girl like me living in Cavite but no, everything was a breeze. Tips and notes below for a faster transaction!
What’s Covered in this blog post?
What is Pag-IBIG Fund MP2 Savings Program?
Who can save under MP2?
Is there a minimum amount that I can save?
Is there a limit to the amount that I can save?
How do I save under MP2?
How much dividends will my savings earn?
When can I receive my MP2 Dividends?
Can I re-apply for a new MP2 Savings Account once my MP2 Savings matures?
Can I open more than one (1) MP2 Savings Account?
Are my MP2 Savings guaranteed?
Where does Pag-IBIG Fund invest my money?
How can I apply?
How do I remit my MP2 Savings?
Computations on how your MP2 Savings may grow
1. What is Pag-IBIG Fund MP2 Savings Program?
The MP2 Savings Program is a voluntary savings platform for Pag-IBIG Fund members who wish to save more and earn high dividends, in addition to their Pag-IBIG Fund Regular Savings.
2. Who can save under MP2?
Active Pag-IBIG Fund Members; and
Former Pag-IBIG Fund Members with other sources of monthly income and/or Pensioners, regardless of age, with at least 24 monthly savings prior to retirement
3. Is there a minimum amount that I can save?
Yes. The minimum MP2 savings is PhP500 per remittance.
4. Is there a limit to the amount that I can save?
There is no limit. You can save as much as you want under MP2. Should you wish to save an amount exceeding PhP500,000.00, you would have to issue a personal or manager’s check.
5. How do I save under MP2?
You may regularly save a minimum amount of PhP500 every month in your MP2 Savings Account. You may also opt for a one-time savings of a higher amount.
6. How much dividends will my savings earn?
Your MP2 savings earn tax-free dividends, at a rate higher than the dividend rate of the Pag-IBIG Fund Regular Savings Program.
MP2 dividends are derived from no less than 70% of Pag-IBIG Fund’s annual net income. For reference, the average MP2 dividend rate in the past three years (2016-2018) is at 7.65%.
7. When can I receive my MP2 Dividends?
You can choose to receive your MP2 Dividends through any of the following options:
Upon full withdrawal of your MP2 Savings after its 5-year maturity period with your MP2 Dividends compounded annually; or
Through annual pay-out with your MP2 Dividends credited to your savings or checking account enrolled in any of Pag-IBIG Fund accredited banks, such as the Land Bank of the Philippines (LBP), Development Bank of the Philippines (DBP), or other banks that the Pag-IBIG Fund may accredit in the future. For members who opt for annual dividend payout but have no Philippine bank account, especially in the case of overseas members, MP2 Dividends shall be released to them in the form of checks.
8. Can I re-apply for a new MP2 Savings Account once my MP2 Savings matures?
Yes. Once your MP2 Savings reach the 5-year maturity period, you may re-apply for a new MP2 Savings Account.
You may claim your MP2 Savings anytime upon maturity. If unclaimed, your MP2 Savings shall continue to earn dividends for two more years based on the dividend rates of the Pag-IBIG Fund Regular Savings Program. After the said period, it shall no longer earn dividends, and must be withdrawn or claimed.
9. Can I open more than one (1) MP2 Savings Account?
Yes. You are allowed to open and maintain multiple MP2 Savings Accounts.
10. Are my MP2 Savings guaranteed?
Yes, MP2 Savings are government-guaranteed. However, the annual dividends, may vary depending on several factors, such as Pag-IBIG Fund’s financial performance.
11. Where does Pag-IBIG Fund invest my money?
Pag-IBIG Fund invests at least 70% of its investible funds in housing finance, as required by its Charter. It also invests in government securities and corporate bonds.
12. How can I enroll?
Simply submit your duly accomplished MP2 Savings Application form at your nearest Pag-IBIG Fund Branch, along with the following:
Valid Identification Card; and
Passbook or ATM Card of your nominated bank account
You may download the MP2 Savings Application form at http://www.pagibigfund.gov.ph/dlforms.aspx
13. How do I remit my MP2 Savings?
Salary deduction, upon agreement or arrangement with your employer;
At any Pag-IBIG Fund Branch
At any Pag-IBIG Fund-accredited collection partner
14. See computations below on how your MP2 Savings may grow! *based on a 7.5% dividend rate
Step-by-Step Process on How to Apply for PAG IBIG MP2 Program
Embarrassing as it is, but my PAG IBIG MP2 Savings Program has been my goal since 2017. I have been studying this investment option but still, I can’t find the time to visit any PAG IBIG branch (or maybe I just don’t prioritize investing before.. hello, excuses! Lol).
If you’re a bit of a procrastinator, I made myself a blog about how to beat the Mañana Habit, hope this can help you as well.
But good thing I had the time this month since I went on leave. Yey!
I included a ‘How long did I wait?’ below but please note that this is a review only for PAG IBIG Imus Branch. Went there around 2:30PM, Wednesday. Less crowded compared to the last time we went there in the morning.
1. Go to the nearest PAG IBIG Branch
Since I am now a Cavite girl, PAG IBIG Imus branch along Aguinaldo Highway near Lumina Mall is the one closest to us. PAG IBIG in Cavite has branches as well in Dasmarinas and Rosario.
As mentioned above, I arrived at PAG IBIG Imus around 2:30 in the afternoon with, as expected, a lesser crowd. I am not sure if this is the case for the other branches but I have tried going to PAG IBIG in Shaw, near Kapitolyo. Went there before in the morning, as expected as well, it was flocked with people, but still organized. And around 4PM, I guess, few people were there for their transactions.
Point is, try to visit PAG IBIG in the afternoon for a more hassle free MP2 application.
Not sure where’s the nearest PAG IBIG branch in your place? Please check the directory here.
2. Fill out PAG IBIG MP2 Savings Program Form
Once you arrived at your chosen PAG IBIG branch, ask the guard where’s the processing for PAG IBIG MP2. At PAG IBIG Imus, you need to fill out the form on the 3rd floor of the building.
After filling out the PAG IBIG MP2 Form, the PAG IBIG staff will ask how much you want to save monthly or if you want annual or compounded dividends.
Annual Dividend – You will receive the dividend every year Compounded Dividend – You will get the dividends after 5 years
Personally, I chose Compounded because the dividends that will be gained per year will be invested again. Meaning, dividends are much higher if you choose Compounded dividends. But still, it is your discretion if you’ll get annual or compounded.
How long did I wait? – 15 min – Waiting time – 5 min – Processing time
3. Wait for the new PAG IBIG MP2 Form with Account Number
Once you have already filled out the MP2 Form, the staff will provide you with the computerized form with your account number. This is to be forwarded to the rechecking area.
How long did I wait? – 25 min – Waiting in line – 2 min – Processing
4. Go to the cashier and pay your first MP2 Savings Fund
After payment, make sure to give back your receipt to the staff in step number 1 so that they can document your first payment.
Notes and Tips
The minimum payment per month is 500 pesos but you can deposit more than your minimum.
Missed months for payments is okay since MP2 serves as your savings. But of course, we don’t encourage this
Go to your nearest PAG IBIG in the afternoon, around 2:30pm, if you want a faster transaction.
Time really flies by so fast! But still, I feel like I have just begun my adulting life and felt like I have wasted the past years doing nothing but waste time. Hello, procrastination! Haha!
So much about the negatives, let’s now move forward and see some improvements this year.
If you are here and you kinda feel lost as well and want personal growth, I hope this blog post will help you in one way or another.
Looking back, I was always aware of insurance, emergency funds, savings, stocks, and many investment vehicles. I even read books about investments, personal growth, and whatnot. And make yearly goals! However, I have been stagnant for a while and would just wanna read and plan, but never execute.
That’s where I was before.
Overprioritizing others before myself have been a major setback for me. It doesn’t mean that I am not prioritizing others now, but I have started to know my worth and how to spend my time wisely.
It took me a long time to finally wake up and stand for myself.
I hope you are too.
Anyway, here are some of my target investments goals this year that you want to try as well. I am the only child in the family and now the breadwinner. And I can say I am such a realist, most of the time, a worrier. Because hey, who will take care of my Mother if I’m gone already? Haha!
I would often think of what will happen to my Mother if I die or if I got into an accident and whatnot. So as early (or late) as today, I need to have back up plans.
And of course, for the future as well. I want my family to have a better life. Remember the saying, “Hindi mo kasalanan kung nabuhay kang mahirap. Pero kasalanan mo na kapag namatay kang mahirap.”
Very harsh, can be a case-to-case basis, but this, my friends, is generally true.
Before I proceed, I would want to remind everyone that you need to properly study want you want to invest in. At an early age, I bought a house through PAG-IBIG. I was getting a monthly salary of 11,000 pesos before. I haven’t studied about it and just said yes to my agent.
Thinking about it now, I have no regrets but if there’s one thing I would do before, I would study about the place, and my budget. But yeah, everything’s fine now and we are happy at where we are staying. No flood, happy and kind neighbors, and the house is generally good for Mama and me.
Will post another story for our PAG IBIG house journey.
So, if you are asking where to invest money in the Philippines, let’s start with these 6 investment ideas that you might want to try as well.
1. PAG IBIG MP2 Savings Program
Aside from the most popular benefit that we can get from PAG IBIG which is the house loan, you can also invest your money with PAG IBIG.
What is PAGIBIG MP2 Savings Program?
If you will be investing your money with PAG IBIG MP2, you will get an average of 8.11% interest rate per annum.
Who can join? Any active PAGIBIG Fund members. Former PAGIBIG members can join as well provided that you have an active source of income or pension and has 24 monthly contributions.
How much is the minimum investment? 500 pesos per month. But there’s no limit on how much you can save. For savings over 500,000 pesos, this
How many years is the lock-in period? 5 years. So make sure you the money that you will be investing in something that you can forget for 5 years.
Can I have multiple MP2 savings? Yes, you can.
How can you start? Simply submit your duly accomplished MP2 Savings Application form at your nearest Pag-IBIG Fund Branch, along with the following:
Valid Identification Card
Passbook or ATM Card of your nominated bank account
Update: The nearest PAG IBIG branch from our office is in SM Aura so I am planning to go there during lunchtime to process my MP2. For now, I’m gonna start at 1000 pesos per month.
2. VUL Insurance
One of the best things that you can do in your life is to get insurance. Yes, because we will never know what will happen in the future. We will never know when accidents, sickness, and even death will happen in our life.
So, might as well get ready for it.
After I got my policy from a Sunlife Financial Advisor, I got a calling that I also need to spread financial literacy, first to my family, because we don’t have insurance policies in our family.
So after a month, I talked to my a Sunlife Manager and fast forward to today, I am one of the Financial Advisors under the Bright Millenial group, headed by Garett Maralit.
Variable universal life (VUL) is a type of permanent life insurance policy with a built-in savings component that allows for the investment of the cash value. Like standard universal life insurance, the premium is flexible. VUL policies typically have both a maximum cap and minimum floor on the investment return associated with the savings component. – Investopedia
Unlike Traditional Life Insurance, VUL is insurance WITH investment.
Minimum Investment: PHP 1,500
Update: I also purchased one for my Mama! Happy girl here. Hehe.
This is actually one of my goals ever since college and have been reading about this since my first job. Funny because I just started now at 28 years old. Haha! There has been a lot of could-have-been but well, as they say, better late than never.
What is a stock? Stocks are shares of ownership in a corporation. A stock market is a place where stocks are bought and sold. The Philippine Stock Exchange (PSE) is the corporation that governs our local stock market. People buy or invest in stocks to benefit from a company’s tremendous value potential over time. – COL Financial
Once you buy or invest into a stock you now become part owner or a shareholder of that particular corporation.
How can I start? Where can I open an account? There are a number of stockbrokers in the Philippines that you can open an account.
AB Capital Securities, Inc.
Abacus Securities Corp.
AP Securities, Inc.
BA Securities, Inc.
BDO Nomura Securities, Inc.
BPI Securities Corp. (BPITrade)
Coherco Securities, Inc. (CohercoTrade)
COL Financial Group, Inc.
DA Market Securities, Inc. (iTrade)
F. Yap Securities, Inc. (2TradeAsia)
First Metro Securities Brokerage Corp.
HDI Securities, Inc.
Investors Securities, Inc. (Investors Online)
JAKA Securities Corp.
Lucky Securities, Inc.
Maybank ATR Kim Eng Securities, Inc. (MakeTrade)
Meridian Securities, Inc. (MSiTrade)
Optimum Securities Corp. (Optimum Online)
Papa Securities Corp. (P2P Trade)
Philstocks Financial, Inc.
RCBC Securities, Inc. (RCBC ezTrade)
Regina Capital Development Corp.
Timson Securities, Inc. (Timson Trade)
UCPB Securities, Inc (UCPB My Stocks)
Unicapital Securities, Inc. (uTrade)
VC Securities Corp. (VC Trade)
Wealth Securities Inc. (WealthSec)
Minimum Investment: 1,000 pesos
Update: I have already opened an account at AB Capital through my co-Financial Advisor. Will fund it next month!
Just like stocks, I have been eyeing to invest and help farmers using FarmOn.
What is FarmOn?
FarmOn.ph is a crowdfunding community where people can help farmers on their financial needs and at the same time reap rewards for their contributions. FarmOn.ph was developed by Sproads, a web publishing company based in Manila.
Established in 2014, and a pioneer in the integration of new technology. FarmOn.ph has developed its own concept in reintroducing farming with the use of social media and online applications; thru virtual farming. People who wanted to engage in farming but has no time can now participate and help by financing our partners at their own expenses.
FarmOn.ph currently owns 96 hectares of farmland property which we use for farming. These farms are managed by our partners and local farmers and are located in Isabela and Quirino Province. The farms that were tilled are all properties of FarmOn.ph. – FarmOn Website
How to invest in FarmOn?
FarmOn.ph uses the concept of crowdfunding in assisting our farmers. How does crowdfunding works?
In every cycle FarmOn will open a new project, which will then be funded by the contributions given by our crowdfunding community. Our crowdfunders will then choose a specific product from the list which FarmOn will be posting. With the aid of the given contribution, our farmers can start the production.
Members who have given their contribution for that project will receive reward only if the project has been deemed successful. Each community members must also acknowledge the risks involved in farming. Factors like climate change and natural disasters are some of the risks involved.
Update: It was January 2018 when I registered at FarmOn. I tried to invest but was not able to deposit the payment. Sad!
Update: 7/22/2020: Been hearing news that it’s now sad to invest in FarmOn. Will keep you updated.
5. Online Business
With the emergence of e-commerce platforms like Shopee, Lazada, Carousell and many more, you can reach as many customers as you like!
So why not take advantage of this and sign up as a seller? You can sell your used clothes, toys, or even be a reseller of a particular brand. You can actually go to Divisoria or Baclaran and check what you can offer to the online world!
Minimum Investment: Depends on you and your product 🙂
Update: I have an Ukay Okay shop on Shopee but I am not active in selling. We are also planning to resell brands on Shopee.
We always want to save money for our dream vacation. We love the idea of going to places that we’ve never known but oftentimes, we fail in doing the steps in making our dreams a reality.
And in this blog, join me as I make ways to save for a trip that I never thought will come true. Yes, claiming this already!
We are all wishing for a great vacation. Sandy toes, white sand beaches, relaxing ambiance in the middle of a lush garden. And most of all, no deadlines, no work stress, just you with your friends, family, or love one. Or maybe, just you alone.
Like each and every one of you, I am also fond of dreaming my own vacation.
Of course I love to travel with close friends and with my family, who doesn’t want to? But this time, I am going to my dream vacation.. alone.
I honestly don’t know if that thrills me, excites me, or scares me, but one thing is for sure, I have to go to this place.
Never thought that it will come true this early but yes, I will be going to the land of rolling hills and greens, BATANES!
I can still imagine the time I booked this trip. PAL had a seat sale last year and since I was not feeling sleepy yet, I tried checking a trip to Batanes. And luckily, after hours of booking, I never thought I would tick book and actually pay for the flight!
Thanks for the P3,042 roundtrip fare, PAL! Love kita!
THE BIG ‘HOWEVER’
So here goes the big ‘however’.
Like most of you as well, ta daaa! I still don’t have cash for my trip because I used it for our house in Cavite so we can move in already. Huhu but Haha!
We are not wealthy enough to go from places to places but I realized that a single dream can go beyond a thousand excuses.
And traveling is not just for the yayamanins, okay? We just have to plan and save.
Anyway, as much as possible, I don’t want to borrow money for this that’s why I am making this list on how I can make this Batanes dream vacation a reality and this is for you too, reader! 🙂
PS: If you have other ideas, please don’t hesitate to share it with me by commenting below. Thank you!
10 Ways to Save Money for Your Travels
As mentioned above, I was not born wealthy and traveling for me before is a luxury. That it is just for the rich kids. And then TravelBook and the blogging world exposed me to a whole new different mindset. That anyone can actually travel if she/he has the right mindset.
So, here are just some of the ways we can do to save money for our travels. I highly suggest though that if you don’t have an emergency fund yet, better check on that as well.
1. Know how much you need to save
Of course before saving for a trip, you need to know how much you need to save for your dream vacation. Do you need P30,000? P20,000 pesos? P10,000?
You can’t actually determine a number if you don’t do your assignment – research.
Make an itinerary listed with estimated expenses
So this depends on what kind of vacation you want to have, how many months before the grand dream vacation, and on how many nights is your dream vacation.
In my case, since I already have a round trip fare, I just need to know how much will it cost me for my tours, food, and lodging in Batanes for 9 days and 8 nights.
I researched and still researching for my itinerary
I suggest that you make the itinerary using google sheet because you can edit this anytime, anywhere. Just make sure you have an internet.
Personally, my estimated budget for my Batanes trip is P11,000 for 9D8N but will try my best if I can lower this amount. I have also started listing my itinerary in google docs sheet. Like my page here if you want to stay updated for this dream vacation. 🙂
2. Budget your money
Okay, guys.. You still need to budget your money even if you don’t have an upcoming trip, okay? If this is your first time to make one, I hope you’ll do this religiously ever if you don’t have a trip. You need to have one so you’ll know if you can cut on some expenses and for you to allocate your money effectively and efficiently.
Make a budget today! Grab a pen and paper, list your expenses, and income and assign amount on each category (food, transportation, rent, etc). Remember the golden rule thought. SAVINGS = INCOME – EXPENSES and not the other way around.
I’m including a 50-30-20 Budget tracker here inspired by savingspinay.ph. This works for me and maybe for you too!
3. Stick to your budget and track your expenses daily
Now that you have a monthly budget already, next step is to stick to your budget and track your expenses.
From here, you should really be focused to stay on track and not to splurge on things that you don’t really need.
Download an expense mobile app to track your expenses or you can also track by manually writing it down in a small notebook.
Currently using iSaveMoney app on android.
So now that you already know how much you need for your dream vacation and you already know how to budget your income, here are some extra sidelines and tips on how you can make your dream vacation come true.
4. The Invisible Money Challenge
This is actually a technique I have been doing but I always fail to achieve. You will be putting aside specific money (20, 50, 100, 1000 peso bill, 10, 5 peso coin) for your trip and will regard it as invisible money.
Decide the specific amount of money that you want to be invisible for your dream vacation.
I tried the 20 peso bill invisible challenge but I think I need to shift to P50. Pray for me! Haha!
Set a coin bank at home or a savings account dedicated for your travel
Every week, I plan on transferring to my travel savings account para less temptation. Mahirap na. Haha.
Never ever use this for other type of expenses
Never use this money for your skin care or make up buys! No. No. No. Learn how to discipline yourself and forget that you have this money for awhile. You’ll thank yourself after. I promise.
5. Sell Your Unused Things
I am positively sure that you have tons of things at home or in your apartment that you don’t plan in using anytime soon. What to do? Sell them!
Check all your clothes, books, kitchenware, anything that you don’t need anymore and and sell them to friends and even strangers! If you are planning to do this from time to time, you can use these platforms to sell:
6. Sell Yelo and Ice Candy
I know it’s already rainy season while I’m writing this. But hey, still, if you have a refrigerator at home, go and make yelo and ice candy! Titila din ang ulan eventually. Haha!
Let your family know why you are doing this and for sure they will support you on this as well.
Talk to your family. Let them know the reason why you want to do this.
Or if you love traveling, you can also sign up for a travel company’s referral program just like TravelBook’s wherein you can get referral fees when you refer TravelBook.ph’s hotels, tours, and activities to your friends and get up to 65% referral rate.
You can also use your referral code even in your own bookings! Talk about cashback! You can sign up here.
Yes, earning online is totally possible!
8. Solicit Cash From your Aunts, Uncles, Ninangs, and Ninongs
I know, I know!
Maybe you’re thinking what will they say because you already have a job and all that. But, why not try? Haha!
I honestly don’t know if this will work because this will be the first time I’ll try this on my Batanes trip but I want to do this. Hahaha. But possible, right?
Just try to ask but don’t get mad if they won’t give you. Okay? Haha! At least you tried. *wink*
Oh, don’t forget to ask a small amount from your Mama and Papa too! Just a small amount please.
9. Set up a savings account for your dream vacation and set an automatic money transfer
One of the things that I wish I did last year is to set a separate account for me and my Mama’s travels. Starting this year, I am planning to take my Mama on a vacation, inside or outside the country that’s why I am planning to open a bank account and request for an automatic transfer of money.
This will greatly help in your future travels. Just make sure that you still prioritize your savings rather than your travel fund!
Ask your bank that your current company is using for your salary (assuming that you are an employee) if they do auto-transfer.
If yes, open an account solely for your travel fund
Request for an auto-transfer of a specific amount
Currently, I am using my then salary account from the Robinsons Bank. But I am already planning to open in Metrobank since we are using this bank for our salary.
10. Tell people about your dream vacation
..and how you will achieve it. Declare that you will be going there on these travel dates. Ask for suggestions to people who have gone to your dream place already. Ask for some tips, what to do, how to save, what are the things that they love about the place.. Tell people about your dream and for sure, this will fuel excitement and focus in helping you reach your dream vacation.
I am a firm believer that as much as God wants us to use our time wisely, He also wants us to enjoy living here on Earth. He made these beautiful places as a manifestation of His love for us that He wants us to also enjoy and marvel on these beauties.
Who’s going to Batanes this September? Let me know so we can share tour expenses.
Do you have tips on how to save money for your travels? Hope you can share below. We want to know too! 🙂