Saturday, December 29, 2007

Pinays can work from home with Odesk

Pinays always dream that they can work from home, beside their kids and family. Odesk has made it possible for several Pinays to become virtual employees of international companies. It's simple and easy to create an account, upload your resume, and start looking for a virtual employer.

Yup, you can earn in dollars at the comforts of your home. Most of the jobs are paid by the hour. In Girltalk (a forum for Pinays) many women have earned and experienced working with Odesk. You can read their online job thread.

Pinay Money Maker will continue sourcing online jobs and opportunities for those Pinays looking for jobs especially the working moms out there.

Happy New Year!

Note: I haven't work with Odesk so feel free to share your experience here! :)

Did Christmas leave a hole in your pocket?

Sure, Christmas was so much fun it wasn't hard to forget about budgets and savings. To be honest, Pinay Money Maker also exceeded budgets! But 2008 is approaching and we've got to take hold of our pockets and recover. Yup, expenses may send any money maker into the doldrums and create a monetary snowball effect.

First you've got to forgive yourself. Even if you can't see where your money went, be kind to yourself and think about the warm memories during Christmas. Remember the face of your favorite niece as she opened your multitude of gifts? Priceless.

Count again. Don't pretend nothing happened to your savings account during the Yuletide season. Track once more how much money you've left, it's okay to feel discouraged but hey, it's good you still have savings instead of debts.

It's not the end of the world. Come January you'll receive yet another roll of pay from work and you can use this to patch up the hole created by the oh so happy season. Think rich and even if it's not yet in your account, stop frowning and imagine how much more you can make in 2008.

Be thankful for the gifts you've received. And use them! don't stack your gifts up in the closet. Keep your gifts somewhere visible so you can actually use them. This will save you from buying the same item in case you forget.

Now is the perfect time to create your money making goals for the New Year. Would you like to start participating in Mutual Funds this coming year? or would you like to build up your time deposits? What is your money making goal?

Happy Money Making everyone!

Saturday, December 8, 2007

5 Christmas Bazaar Money Tips

Pinay Money Maker was at the World Bazaar yesterday, lots of people shopping and if you observe, you can see lots of stressed out faces too!

To prevent turning this fun activity to a stressful and expensive one, here are some tips for you:

1. Go with a mission - take 5 minutes and ponder your mission, are you buying more for yourself or are you going to buy gifts for others? Most of the time it's both so just give a percentage like:

30% - gifts for myself
70% - gifts for others

Doing so will not only help you sort your money but also manage your time. Time flies during bazaars and you have to be in control.

2. Eat before you go - eat as if you are going to war, seriously. If you don't have carbs and protein in your system, you might not endure all the pushing and toe stepping : ) having a full stomach contributes to have full focus and that will prevent you from making unnecessary purchase.

3. Plan - if you have a Christmas list, bring it. If not, just keep in mind what are the items you are looking for and have a counter plan when you don't find them. This way, you don't contribute to the direction less crowd. This is not the time to think what you should get for who because there is no thinking floor space, it's either you buy or move forward.
4. Skip the abubots (accessories) unless for gifts - ever wondered where all the stuff you bought from last year's bazaar went? They went to unused and forgotten planet! Most of the time, the accessories you buy gets lost or you realize it's not going to work out for that fancy bracelet and your closet. Try to skip the abubots like trinkets, bracelets, key chains, necklaces, and fancy rings. Stick to buying stuff that can be used for all purposes like tshirts and pants.

5. Go against the crowd - from the entrance, look at the areas which are filled with people and those that still have breathing space. Go for the second if you don't want pushing and be able to enjoy looking around without hurrying up.


Only bring your bazaar budget, mine was just P1,000 and I ended up with all useful stuff that can be used anytime and anywhere :)

Wednesday, November 28, 2007

Pinay Tipid Tips for Work

Let's face it, going to work can be a wallet vacuum with the transportation, clothing, and food expenses. But hey, we should be going to work to earn money and not to spend! So forget your daily signature coffee and get a 3 in 1 while we list down other saving tips we can practice at work.

1. Walk and save 10 pesos daily - what better way to start your work day but walk and burn some morning calories? Short FX rides, say from the MRT to your office costs you 10 pesos daily. And if you're lucky to be early, why not try walking to your office (if it's walkable!) ?

2. Bring your lunch box - it takes some effort and patience to wake up early and prepare a packed lunch for work but if you do this, you'll be able to save 50-100 pesos daily. Not only that, you won't have to think incessantly which store you'll be getting your lunch and eating inside the pantry is more convenient rather than squeezing yourself in a jam-packed cafeteria.

3. Eat before you go - it really pays to wake up early and eat breakfast at home. It'll prevent you from panic buying breakfast in the morning and it will even make you less grumpy.

4. Coffee and tea in your pocket - take advantage of the hot water facilities at work and instead of rushing to an expensive cafe for a pick me upper, why not come prepared with sachets of coffee and tea? You can have as much as you want for only 5-6 pesos per cup as compared to 100-150 pesos in a cafe.

5. Don't forget snacks too! - okay, we're not being gluttons here but really, a huge slice of our salaries go to food. We are pinays after all and we LOVE to eat. Come rush time after 5pm, we hurry to the bus and train stations with an empty stomach. To quiet your rumbling stomach, always bring small snacks like cupcakes that you can buy cheap at the grocery.

6. Assemble a 5-day uniform - some are lucky to have uniforms and it's really a money and time saver. If you don't have one, assemble a two week uniform line up with your own clothes. Who cares if you repeat them after sometime, you're going to work and not a party :) This saves you from shopping every payday just to refresh your wardrobe. Think: Others may look good with their new and branded clothes but you'll end up simple yet RICHER.

7. Relax - stress can cause any girl to run to the salon or spa and get an expensive hair treatment or a luxurious body massage. This is not bad but try to breathe, relax, and think of your happy place whenever you feel some pressure. Stress and problems can lead to spending misbehaviors.

8. Buid your retreat spot - not in the mall but in your house. Designate a quiet place like your bedroom to become the place that will heal you after a tiring day. Looking forward to this will save you from loitering outside the metro where you will end up spending just to feel better.

9. Saturday Treat - or any day at all, schedule a day to become YOUR day when you can pat yourself at the back and give yourself a treat for being able to save. Be reasonable with your self treats though! Count the money you saved and just get a tiny bit of which as a prize for being a hardworking thrifty girl.

How about you? Do you have any tipid tips to share? email your pinay saving tips to and let's share them here ^^

I'd like to say hello to all the Pinay Money Maker subscribers! Thank you for subscribing and I hope you enjoy getting our posts in your e-mail.

Saturday, November 24, 2007

Pinays can Make Money out of their Blogs

Hello! Pinay world, I am back from yesterday's Blogging for Money Seminar and because generosity is never a bad thing, here are the things that Pinay Money Maker learned for the benefit of our readers.

There are a lot of bloggers who blog for different reasons and it's not bad to make money on the side. First things first, to be a successful blogger you'll need patience and focus. The more focused your blog on a single topic, the more valuable your blog is for advertisers and readers.

Advertising placement is the main money source for most blogs and here are some of the best links that can monetize your blog:

1. Google AdSense - everybody knows already so move on to number 2.
2. Text Link Ads - this one is easy to setup but your blog has to be approved first.
3. Kontera - links will appear inside your content, making relevant keywords hyperlinked to the advertiser's websites. Very neat and effective.
4. Amazon Associates - best if you target US audience who are comfortable to use credit cards online
5. Review Me - get paid to post reviews of various products, this one affects the content of your blog.
6. Join blog networks - search google for blog networks more popular ones include b5media, CW, and Know more Media. Here you can be paid per post or do profit sharing.
7. Direct Ad Sales- if you're confident about your blog you can ask local and international companies yourself, if they'd want their ads on your fantastic blog.

Blogs can make your dreams come true, no kidding! It can help you earn from doing what you love most, make a profession out of it, and get your skills noticed. It is only a question whether you really have the dedication and time to manage your blog and the topic you chose should be that subject that you breathe and live everyday.

Job Opportunity: Full-time Bloggers

I am looking for 4 bloggers, whether you think you are good or not, as long as you have the will, you can achieve it! :) It's for a regular job, 8am - 5pm, we don't accept work from home. If you are interested kindly send your resumes to

Thursday, November 22, 2007

What is your financial security blanket?

I still bring my pillow whenever I ride the car to work, it makes me feel more comfortable and it gives me that warm and fuzzy feeling! Now when it comes to money, what makes you feel secure? do you have a financial security blanket? If your answer is no, then you should start weaving one.

Nothing beats the feeling of being secure and safe, no matter what happens, especially when some situations can make all our money disappear at once. Your financial security blanket need not to be money IMHO, it's something that you can depend or fall back on. It can be a business idea, a skill, or an investment that you can easily sell when a rainy day comes.

Becoming debt free is a great achievement and once you've reached this goal, the next step is to set aside some money or other assets that can give you that warm and fuzzy feeling. Keep your eyes always open for opportunities and don't be like the horses looking only at one direction, in our case, looking only at one source of income. Be creative with your financial plans and discover as many security blankets as possible, it will give you more courage to explore high risk but high yielding investments, professions, and businesses in the future too, because win or lose, you'll always have that soft, comfortable blankie to fall back on.

Good night everybody!

Sunday, November 18, 2007

Mother of 7 shares her story on how she got out of debt and gained financial independence

More than ever, with today's economic status and inflation rate, it's important for Pinays to learn how to save and gain support for their financial endeavors.

Dine Racoma, a mother of seven, used to pay loans with loans but now, she is helping Filipinos find more satisfying jobs and inspire them to become financially independent through her famous blog.

Based on her interview in MoneySense, it was through hard work and a lot of sacrifice that she improved her financial situation. Most of all, she has found her passion in writing and this has made her retirement even more enjoyable and worthwhile. Today she helps her kababayans discover work from home opportunities (which i know a lot of pinays are looking for) and enjoy better quality time with the family while earning.

Her story is indeed an inspiration for many pinays including me, it is Pinay Money Maker's pleasure to get her permission to post about her story and blog. Visit her at The D Spot today and experience pinay "mommy" power!

Saturday, November 17, 2007

Blogging for Money Seminar on Nov. 24

Seminars make people like you and me use free time wisely. Next Saturday, November 24 at the Podium, The Blogging for Money Seminar will be held. I haven't registered but it's 1,500 pesos for an 8-hour session with money making blogger, Mr. Able Olandres.

Last week I came across, I registered one of my blogs but Pinay Money Maker was declined to join because there are not that many pages yet :( Smorty lets you incorporate sponsored links in your blog posts and you'll earn a minimum of $6 for each. Not bad eh? I can't say if it's real YET because when i try to access their site to check if some of my posts were approved, their site is always down and i haven't experienced payment YET. But maybe you can try it or i'll post it here if ever it turns out real and profitable.

Next Saturday can be a good venue to learn other alternatives on how to make money out of blogs, if this is one of your hobbies. You can check out the details of the seminar here.

Sunday, November 11, 2007

How to Spend this Christmas

Dinner time, my little sister shared with us her plan to go Christmas gift shopping next Saturday. She says she doesn't want to go to tiangges or bazaars and refuses to give gifts from there, instead, she will get gifts from the mall. There is no right or wrong venues for Christmas shopping but, we can get wise on how we should spend this Christmas.

Here are some Christmas Shopping Tips:

1. Give to share and not to impress - keep this mantra in mind, it is better to give a suitable and well-thought of gift rather than an expensive one that doesn't feel "personalized". Take for instance, expensive looking and branded soaps and lotions that come in baskets. They look impressive when you have them in tow on Christmas Party and under the Christmas tree, but really, soaps and lotions are hard to use especially when the person already has a preferred brand or has sensitive skin. Just an example :)

2. Set a budget - as early as today, think of how much you CAN spend this Christmas for gifts, as a whole, and not per person. Of course there are persons you'd like to give a special gift to, so just sketch out his/her percentage of your Christmas fund, say 25% of the total budget.

3. Make a list out of the budget - now that you have a budget, you can now list possible gifts that will fit in it. Maybe you can allocate amounts too per person and imagine the many things that you can afford. Keep an open mind and open your eyes. Restricted budget should not restrict your creativity! Last year, my mom's favorite gift out of everything was a pair of slippers worth 99 pesos.

4. Schedule Christmas Shopping - don't start gift shopping out of boredom or stress. Prepare for it and do not forget your list. It is okay to look, Christmas shopping should be fun! but do not go over your list and your budget.

5. Opt for recycled materials and forget about gift wraps - when i say recycled materials it includes: newspapers, pages from your old magazines, gift wraps from last year, or old plastic bags and paper bags. Don't be afraid to recycle, be afraid of global warming and make this your special Christmas gift to Earth.

These are just 5 tips but i am sure you'll come up with more. Christmas should be happy time and not the time to wallow because you don't have so much to spend. Merry Christmas!

Sunday, October 28, 2007

Where does your salary go?

Getting ahead in terms of finances doesn't necessarily mean that you have to have a fat paycheck. Having lesser salary than your friends who've managed to save is not an excuse for not saving at all. This week i have been blog hopping around to see where Filipinas mostly put their money on, many are disappointed that all their salaries seem to disappear at once.

Here's a rough estimate of our top expenditures:

1. Food - you may think food is cheap but with all the tempting cafes sprouting about and posh restaurants that promise a better eating environment, we can't help but pay more to enjoy more. A hectic working day sometimes really deserve a fancy dinner to get you going.

2. Trinkets/Accessories - because we love mall hopping, we also don't want to leave empty handed. This is the next money vacuum out there. It includes bracelets, cellphone accessories, hair accessories, and beauty products.

3. Clothes and shoes - need i say more?

4. Family - empowered women serve as breadwinners to some families and they continue to help out their parents with bills, hospital expenses, etc.

The list goes on but I can only manage to write until the fourth one. How do we get around these expenses? Maybe, we should put ourselves in number one. Paying yourself first, no matter how small, think P100 pesos for every week, is not a bad idea.

Also, the next time you go to the mall, have a list of things YOU NEED to buy. Better, send your sister to buy it for you instead so you won't arrive with more than you need.

When it comes to food, we are actually paying for the right to eat in a certain environment, quiet, with the right blend of people, and maybe some music. How about scheduling a once a week dinner with friends? Just to avoid spur of the moment dinners and you can also look forward to this day when a stressful one hits you on the head. Tip: always look at the bottom of the menu if service charge and vat are included/excluded.

Family is always our priority, explore options of putting up a small business for your parents so they can depend on a regular stream of income, no matter how small it is, it will help.

Try this: On your next payday, try to list down EVERYTHING that you spend. from there you will discover useless purchases that you can scrap out soon so you can end up having more.

Saturday, October 13, 2007

Some weekend discoveries on how to increase blog traffic

It's a long weekend and what's better to do than surf and learn from internet almighty? I have been tweaking and submitting this young blog to directories in the hopes of getting more audience. Last week, i was very ecstatic that Pinay Money Maker ranks first for the keywords pinay and money in Google. I know it's not that great an achievement but it's encouraging!

Who doesn't want more blog traffic and earn at the same time? Try submitting your blogs to these directories so you can up your searchability:

Top Finance blogs

Directory of Finance Blogs

I also found out about BlogRush today. When you sign up, your blog will be displayed across similar blogs across cyberspace. You'll have to install their widget in your blog. Click here BlogRush to sign up.

Pinay Money Maker was declined haha because it doesn't have enough posts yet :(

Friday, October 12, 2007

A video on how to get out of debt faster

I still encounter many pinays who are problematic about their debts. It's like a gloomy cloud that never leaves the top of their heads. You can get out of debt, believe me! I've been a credit card addict before and it's my goal to lessen your debts too! Just focus and don't get hypnotized by shopping.

Here's a video i found that may help:

Thursday, October 11, 2007

Mutual Fund Basics

Aside from time deposits, where else can you earn higher interest rates? It's time to learn a thing or two about Mutual Funds. The concept is simple, you and a group of other investors pool in your money together and a fund manager from a mutual fund company/bank will be the one to invest all your money in various securities like bonds and stocks.

It's like having an expert decide where your money should be invested. This also addresses the problem of not having too much to invest because the minimums here can reach as low as Php 5,000. It won't be a problem because there are other investors like you who contribute to the investments.

There are four types of mutual funds which are:

1. Stock or Equity Funds
2. Money Market Funds
3. Balanced Funds
4. Bond Funds

The risks and gains vary depending on the type of fund you choose. You can gain from both interests and dividends in mutual funds. Remember that you can win or lose in mutual funds. The money that you won't use for around 2 years is the best amount to put in a mutual fund.

If you are interested or want to learn more, try asking your bank about their mutual funds.

This link may also help:
They have FAQs section that is easy to understand and they are a mutual fund company as well.

I haven't invested in mutual funds but i think we should act fast because time is ultra precious when it comes to investments! :)

Monday, October 8, 2007

Chinabank Saving Opportunities

I just opened a normal ATM account in Chinabank two months ago. From my fellows, i learned that they have an online banking system which really works. There you can check your balances and pay bills. As i was surfing their website, I saw several saving opportunities that can earn savers like you and me higher interest rates.

You can check their website and click on savings. I am keen on opening a Diamond Savings which is just like time deposit but it's called another name. The interest rate is around 4% for 3 months but my mom, who is an accountant says that its per year.

Here is the chart from their website:

Diamond Savings

Get better value for your savings with the Diamond Savings Account - a special deposit account that earns interest comparable to investment rates.

Key Benefits

Initial Placement Requirement P 50,000
Amount in Peso Interest Rate
1 Month 2 Months 3 Months
50,000 – 199,999 3.500% 3.750% 4.000%
200,000 – 499,999 3.750% 4.000% 4.250%
500,000 – 999,999 4.000% 4.250% 4.500%
1 Million & Up 4.250% 4.500% 4.750%

(subject to 20% withholding tax)
Effective October 5, 2007

I am not really sure so I am going there with my mom sometime this week. This will be my first time to open such account and I hope this experience will shed some light on us soon.

Friday, October 5, 2007

The Good and Bad about Credit Cards

Nowadays it's easy as pie to get credit cards. Go malling and you'll find agents handing out application forms and approving accounts within a week or so. They'll even text you to remind about your application and requirements.

Are credit cards a good thing? My answer is, that the answer lies on the hands of the card holder.

The Good

Credit cards are heroes when it comes to emergencies. Not shopping emergencies but when you find yourself short of cash for gasoline, food, or bills. Hospitals accept credit cards and somehow, a credit card becomes a status symbol of sort. Like a golden ticket to restaurants and other establishments. But with the onset of easy applications and approval, i doubt if this still holds true. Another plus is credit cards let some people manage their expenses more because they are logically presented in the bills. Installment payments are also enabled by credit cards and sometimes, it's 0.00% interest! You can get that laptop without having to evacuate the entire wallet.

In short, credit card gives the holder flexible terms and security in times of money shortage. It organizes their expenses and for some, the cash outlay will be more controlled because you'll only cash out once a month. It's also a bit safer to carry a card instead of cash.


And this i'll tell from experience. I shall coin this the "doubling effect". When you have a credit card and you are an impulse buyer, i suggest getting a pair of scissors and cut the card in the middle. Credit cards may make you feel like you have two times the money. Imagine, you can buy this on credit and you can buy that with your cash on hand. This is mostly the case of poor credit card victims.

When the bill arrives, you won't be able to pay the entire balance because you already exhausted your cash on hand. And here is where the interest ball starts rolling. 3% may seem small but when you pay 3% every month and it adds and adds up to the debt, it becomes a financial strain.

What to do

Personally, i suggest not getting a credit card at all if only for personal reasons. If you already have one, prevent yourself from swiping it for petty purchases wherein you can simply use cash. Paying cash hurts more than swiping a credit card, wouldn't you agree? and by using real money you realize that it is a real expense.

Credit cards are good to use for major and planned purchases like gadgets, appliances, or intangible services that are PLANNED. Especially with installment terms. Just make sure you already have the money to cover everything before buying. Simply use the credit card to give you an extension and flexibility in cash outlay.

I could ramble all day about credit cards but I guess these are the major points all of us, including me, need to remember. I've already trashed my credit cards since last year. Even when they tried running after me and give me new ones, i decisively declined. From then on I cured myself of the doubling effect and started saving more.

Monday, October 1, 2007

Employee, Entrepreneur, or somewhere in between?

At some point in a woman's life, she'll ponder whether she'd want to become a full time employee or an entrepreneur. I've a lot of friends, relatives, and including myself wrecking our brains out on what we'd like to become.

Most people today are directed towards becoming an entrepreneur. However, many just get frustrated because they realize that they lack capital and the drive, and the training to run a business. if you are a normal person earning a normal wage, deciding to venture into a business is as risky as getting into a lion's cage. If you fail, all the money you've saved up are gone and eaten by oblivion.

Being an employee forever may not sound too good too! So what plan should we have then? Why not try being an in between? Being in-between will raise a lot of eyebrows but this is worth a smart try.

The easiest way perhaps to earn money is by becoming an employee. The first step in venturing into a business is looping in capital. So by becoming an employee, you are somewhat preparing for your own business in the future (entrepreneurship). Believe me, imagining a business and planning one without sufficient fund is a waste of time and energy. When one has enough money, this is the time when you have the power to make more decisions as choices are wider when you have fat fundings. Just like when you go shopping, when you have more money, your choices are broader. you won't end up having the same bag like all the girls out there and when it comes to business, you'll have more choices than just putting up a cellphone loading station when the entire neighborhood has the same business.

To rub the point further, it's best to save first than venture into small, shaky, risky, energy-eating mainstream businesses but instead, do the selection when you have gained enough funds to make better decisions. Always remember to have a back up savings in case your business does not win and you do this by saving more of your salary.

Finally when you've gained enough savings/funds to select a business. I advice that you don't quit your job first, test the water and see if your business can really feed you forever. In this case, one foot is in being an employee and the other foot is in entrepreneurship. This is just a theory I'd like to share, really and again, it may not work for you. By being two at the same time, you gain first-hand experience and this is the best situation to decide which one you'd rather become. What ifs are diminished because there you are now and things are much clearer to examine. There are still lots of angles and loop holes BUT i'll make sure we discuss those too, soon :)

To answer the future question of what the writer is, i am an employee saving money to gain more choices and make wiser decisions in the future.

Saturday, September 29, 2007

Saving and Sorting Money by ATM

We're back, sorry for the long vacation. I was busy looking for a new job and now it's been two months since i started working as a copywriter. It's a dream come true to write for a living! :)

With that shared, how can we save more of our salaries and get control over them? This is a no-brainer, but i would like to share it anyway. When i got my first salary, i decided to do "sorting" of money through ATM cards. My goal was to see how much i really make each pay day, how much do i spend, and what should be my weekly allowance.

Since then, i separated my salary from other income. Even if i have money on hand from other things, i will get my allowance from my salary account thru ATM since the allowance is for expenses related to work. By doing so, i get a very clear picture of how much is retained from my pay.

It's that simple and I may sound stupid for even sharing it. It's just that some people are confused whether they are earning or incurring more expenses than savings. Money and finances are really confusing because there are a lot of factors that affect our financial decisions. Sorting money and getting a clear picture on the amount we have on hand, is a great way to lessen the mental burden from finances. Also, you get to set aside part of your savings from other income and save them from being spent. That's exactly why rich people have separate bank accounts!

Friday, May 18, 2007

Time Deposits

Time deposits are the most commonly known "investment" in the Philippines. The logic behind this is that you put your money into a long term savings account, meaning you can't touch your money for a certain period of years. Nowadays, there are already 360 day terms for those who can't afford to let their money stay in a bank for too long. Interests vary from 3% to 7%. Although very few banks offer a very high interest for time deposits. The longer your money stays with the bank, the higher the interests will become.

This is risk-free since most of the interest rates are fixed. The only risk is if you deal with smaller banks that offer very high interest rates that are very suspicious. Just be sure to research first before putting your money in their basket. Having a Time Deposit is like lending your money to the bank and the interest is like the premium they are paying you for lending some to them. Some say that when a bank badly needs money, interest rates tend to be higher.

Wednesday, May 16, 2007

Are you buying an Asset or a Liability?

Often we find ourselves choosing between two items when shopping. But the important question to keep in mind is whether you are buying an ASSET or a LIABILITY. Definitely, it's better to buy something that you can earn from rather than an object that will cost you lots of expenses and would not earn you money.

A famous example is buying a car vs. buying insurance or investments. If you dont have a car yet, then go ahead and buy one. But for those who collects cars, they may be trapping themselves to expenses. Think: gas, repairs, etc. When you buy insurance or invest your money, you can let your money work for you! While you are doing nothing, your money is still earning interest and will give you more than you handed out. whereas, cars depreciate and lose value over time just like mobile phones! think of the nokia series, every year, prices go down as much as 50% and your mobile phone is less valuable than the day you first bought it.

The best to do is think hard first and think whether or not you are decreasing or increasing your wealth with every purchase.

Google Adsense

It was just last week that i started placing ads on my blogs via google adsense. Some may find it petty since at first, you will just be earning cents but come to think of it, it's just like having money in your bank account that earns interest. The difference is, instead of having monetary capital, the capital becomes your blog or your website. Isn't that a great way to earn some dollars? If you are into writing like me, this is something that you will enjoy doing.

Google Adsense is available in the Philippines. They pay via check when you reach $100. There are no deductions unless you choose an express delivery of your payment. Google is a well-known company too so this is definitely not a scam. example of google ads can be found here on this site, i have them at the sides,on top, and at the bottom.

You can click on the google adsense button on the side if you would like to sign up and start earning through your blog.

good luck!!!

Why Pinays should earn their own money

Hi! This is a new blog wherein you can read some non-professional money making techniques and strategies. I'm based in the Philippines but money is a universal concept. We all want to eliminate debt in order to start funding our own future. Most of the blogs about finance and investments i know are ran by male Filipinos and they are my inspiration for running this site too.

Pinays should also be educated on how to handle their money. As much as we want to have husbands that are good providers, it's always better to have a plan B and buy the things that we want for ourselves or live the life that we aspire to have independently.

I hope to hear from you too! I am not an expert but a mere individual who wants to learn also and become a pinay money maker :)If you have articles that you want to share , please email