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Tracking your spending on a regular basis is tough. There might be a situation in which you have a lot of expenditures and bills to pay off, hence, you aren’t

Our loved ones are the most precious ones in our lives. No material thing may ever replace them, no gold, no diamond, no silver may ever take their place. Indeed,

Having a new member in the family would be one of the most glorious things to ever happen within the household. A new baby marks the arrival of a new

  This Holiday season, there are too many discounts and temptations to run away from. You have your shopping malls, your local stores, your grocery savers, and your online shopping

Money remittance has always been parallel with an OFW’s main goal. The thing is, their families are depending on them back home, and what better way to provide than to

Scams are everywhere. Not only are they limited to financial transactions, they’ve also entered the world of marketing, networking, and even after-sales. Scams may come in many forms, some you

  Saving solves it all. As daunting as expenses can be, people can avoid going broke or running out of money by simply setting aside consistent amounts for their future.

Investments – there are countless resources that you can capitalize on in order to make a living, or even to double your profits. Like most activities which would involve hard

More than 3,000 students and teachers of various schools nationwide have learned the value of saving money and opening a savings account through the Cebuana Lhuillier Micro Savings Iponaryo roadshows.

Life is unpredictable. One day you’re out in the park, enjoying a family reunion while feeling that you’re on top of the world, and all of a sudden, something unexpected

Pawnshops are a rich part of Philippine history.  Believe it or not, it can be traced back at least 3,000 years to ancient China, and has been found in the

Financial scams – they are everywhere! Banking has been a part of people’s lives since 2000 BC, making its presence known in Assyria, India and Sumeria. Nowadays, banking itself has

Taking care of kids at early age may be stressful for a parent, but it’s also one of the most rewarding experiences ever. You may scold them, discipline them, teach

Pawnshops are very convenient and practical. Just think about it, nowhere can you undergo a transaction which doesn’t even last for ten minutes. They are basically the quickest way to

Have you ever imagined a world in which everything was much easier to accomplish? Have you imagined a world where complicated tasks are far simpler to process than usual? Somehow,

Most of the time, we Filipinos would choose to pawn off our valuable items instead of borrowing from our neighbors. Traditionally, the latter was a common option amongst people living

Overseas Filipino Workers (OFWs) and money remittance has a longstanding love story. The thing about this relationship is that one strongly depends on the other while the other gladly opens

Banks – what would we do without them? They’ve been around for centuries, allowing everyone to undergo and process their financial transactions within their preferred branches (given that they have

Insurance, everyone needs them but not everyone can afford them. For the most part, people are conflicted whether or not they should get one, as the application and approval process

More than 1.7-million Filipinos, including the ones pictured here, are now a step closer to financial freedom after opening Cebuana Lhuillier Micro Savings accounts. Considered as ‘Iponaryos,’ the micro-savings account

More often than not, Filipinos would take the money-saving route when it comes to purchasing supplies. This is common among households and is a widely accepted strategy in order to

People pawn off their most prized possessions when they’re in need of an extra amount. Some pawn off a gadget, others may pawn off an appliance like a television or

Teaching your kids to save at an early age would be beneficial for their future. Aside from the fact that it would develop a lifelong habit to use their money

Your hard-earned cash will always be one of your most prized possessions. Of course, you wouldn’t need to spend it all in one go, many of us would prefer to

Something unexpected always comes up. You expect your daily routines to continue as they usually do, only to find yourself either involved in an accident or a conflict. Either way,

Every month or so, everyone goes to the grocery store to replenish their family supplies. Food, ingredients, toiletries, and even beverages are bought in order to fill up stocks for

Most of the time, you may find yourself spending more on things which you do not need. Yes, we always have countless necessities when it comes to achieving convenience, but

We all go to the bank every once in a while to do a few transactions. Most of the time, we approach the ATM machines to withdraw, but sometimes, we

Teaching your kids to save is not an easy task. They do not understand yet the concept of money earned and money well-spent, which is why you should think outside

It is every parent’s duty to discipline their kids and to teach them the importance of work and play balance. Work for kids is equivalent to their time in school,

The rainy season may possibly be one of the most anticipated seasons for most Filipinos. Aside from the fact that it moderates the afternoon heat and humidity, it also provides

If you’re looking to get rid of a few pre-loved items while making a little extra cash at the same time, then pawning would be your best option. You are

Our homes cannot always protect itself against the forces of nature. While it may have strong foundations and impenetrable walls for the most part, the other parts may not hold

Being on the road requires concentration and focus. Anything can happen when you’re going through curves and speeding through the highway, which is why a driver’s quick decision-making and alertness

Kids love the outdoors. It doesn’t matter if it’s hot outside, they’d always search for ways tohave fun!For the most part, they are confined within the four corners of our

Yes, the heat demands higher electric consumption due to more frequent usage of electric fans, refrigerator (you need an ice-cold drink, after all), and even washing machine (you need to

Summer is finally here, and it is the perfect opportunity for us to spend time with our family. While it may be fun to go on an out-of-town trip with

Cars are like humans – they should be taken care of the same way that we would take care of our body. The thing is, while a car may not

Nothing can be more fun than a summer road trip. You have your family with you, ready to embark on another memorable outing. You may either choose to go out

Summer is finally here! While for most people it’s a perfect opportunity to use up that vacation leave in their work contract, there are some who would rather set cash

As an OFW, sending money to your loved ones may be one of the most fulfilling things that you’ve ever done. Just think about it, all of those countless hours

Summer is finally upon us, and what perfect way to enjoy it then to bask in the sun. However, take note that there should always be precautionary measures taken each

Some say that the teenage years are always the best years in a persons’ life. For the most part, that holds true. High school/college life, being with friends, having no

Ah, early retirement. Not many Filipinos are aware of this concept, due to the fact that many prefer to work all throughout their lives, only stopping right after attaining their

The future brings many potentially successful prospects and business opportunities. Back then, people didn’t even predict how big of an industry social media networks would turn out to be, not

Many people say that you can never get enough safety features in your own ride. That is mostly true, as indeed, safety must always come first. However, due to the

For almost every month, there are various happenings around the Philippines that would enable you to make a living and earn a little extra than the usual. While it’s mostly

As a new year dawns, so are we faced with new expenses. Problems from 2018 will unfortunately continue to affect us this 2019 and we can do little but brace

Luke 19:11-28, The Parable of the Ten Gold Coins, tells the story of three servants who are each given ten gold coins and ordered to help it grow. One did

After all the partying during Christmas and the New Year, you might find yourself peeking into your wallet and seeing nothing but air. Understandable since it’s the end of the

A lot of people from the province move to the city in hopes of finding a better life. While some succeed, there are a number of individuals that fail and

As an OFW, you should always try to cut expenses and save as much as possible, owing to the fact that you have a family to support back home. In

In 2017, OFWs sent home $31.29 billion in remittances, with nearly $3 billion in December alone. Known as the modern heroes of the Philippines, OFWs contribute 10% of the Philippines

Money problems aren’t reserved for a single generation. Everybody, from Baby Boomers, to Gen Xers, to Millennials, has likely experienced the need for more funds, whether it’s for their family,

We budget, we save, and we invest; we do a lot of things to make sure that our future is secure. However, something outside our control occurs, an accident or

With Christmas approaching, it’s likely that you’re filling your final balikbayan box for the year. But are you sure that you’ve packed up everything important? That you have everything your

According to the World Health Organization (WHO), more than 1.25 million people die in road accidents annually, while 20-50 million suffer minor to permanently debilitating injuries. In the Philippines, a

Often, our elders or our more financially-savvy friends will advise us not to waste money on things we never plan to use. And really, that’s great advice! However, there are

Cebuana Lhuillier founder and Philippine Ambassador to Spain Philippe Jones Lhuillier graces the cover of Diplomacia Magazine. In this October 2018 issue, the ambassador highlights his diplomatic work, the thriving

Being more accessible than banks, pawnshops have been a prevalent presence in the lives of Filipinos for many years. They have stood against the test of time and have continued

Let’s admit it. Sometimes, we want things we can’t afford. Most of the time, we can curb such destructive desires because we know better. However, there are rare times when

The local news is always abundant of reports involving crimes. Each and every day, we’d hear news of break-ins and robberies. Indeed, it is a risky world out there, which

Jewelry is everyone’s best friend. You may get properly groomed with a gold or silver ring, a necklace, a bracelet, or even a pair of earrings, and the outcome would

OFWs are one of the thriftiest when it comes to their budget. There are countless stories of OFWs coming back and staying in the Philippines for good, with their entire

As the saying goes, a good magician never shares his secret. In most cases, it’s all full of smoke and mirrors, with a big pay off at the end. The

Every once in a while, you find yourself in need of cash. When monthly income isn’t enough, you may decide to take a few of your pre-loved items out of

All OFWs have the obligation to provide for their family. Money remittance is the most obvious choice when it comes to sending financials back at home. You may ask, “Is

Moms, what would we be without them? Aside from the unbeatable care and love that a mother provides for her child, she is also someone whom a son or daughter

We are all bothered by mess. It’s counter-productive to work at a station filled with your unorganized stuff, the same way that we are all hassled at home by a

You obviously need capital to start your dream venture. You may decide to apply for a business loan in order to acquire the necessary financials. However, you may be unaware

Start them young, as they say. It doesn’t matter if you’re still below the age of 30, you can already start your own business. Age doesn’t matter nowadays, especially if

For us Pinoys, every centavo counts. There would come a time that we’d need to sacrifice a few wants in order to make ends meet, in order to prioritize the

As parents, it is our responsibility to teach our kids the proper way of handling finances. For some, this topic is too much of a taboo, especially for those who

Fly Home with Cebuana Lhuillier Countrywide Promo Mechanics Complete qualified transaction: Remittance (any amount) sent from Taiwan, Singapore, Hong Kong, Malaysia and Canada to the Philippines through any of CL’s

There are times when you find yourself needing financial help. You may be looking for ways to avail that shiny new cellphone or embark on your dream vacation. Sometimes, you

It may seem strange for some, but being in financial trouble usually doesn’t sink in, not until it’s already too late. For most people, being in financial trouble would usually

Whenever you’re on the road, it’s always important to be aware of your surroundings. The streets and passageways are unpredictable places. In most cases, incidents and other risky situations can

As an OFW, it is our responsibility to provide for our family back at home. It is the main goal of OFWs everywhere and the driving force that motivates us

For every pawning transaction there will always be the process of assessing the item. There is nothing unusual about that as it would only be correct for the pawnshop to

Microinsurance is usually seen as an adult matter. When you’re mature enough to work and move out of your parents’ house, you may consider the everyday risks that you’ll encounter,

Your business loan application has been rejected. Your bright vision of a simple startup venture suddenly turns gloomy and you have no idea how on earth you can bounce back

For an OFW, nothing can be more fulfilling than to be able to send money to your loved ones back at home. Not only would you be able to provide

As OFWs, it is our obligation to make sure that our loved ones would receive our hard-earned cash. While working hard for a much better pay would be our starting