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Paying On Time: The Different Bills That We Encounter and How We Can Settle Them All Wisely • Cebuana Lhuillier Pawnshop

Paying On Time: The Different Bills That We Encounter and How We Can Settle Them All Wisely

Every month we receive various bills which correspond to the utilities and subscriptions that we have at home. Whatever we consume within the whole month, may it be water or electricity, we have the obligation to pay for the consumption fee. Now, depending on how you’ve utilized these important resources, your bill may either be low or high. If you’ve managed to conserve water, then your water bill will reflect a low consumption rate. If you’ve wasted too much water, however, then the opposite rate can be expected towards your next bill. In such case, it would be safe to say that only you and you alone would be the catalyst of your monthly bill reflection. Your actions may either bag you savings or consequences, and you’d definitely go for the former rather than the latter. In such case, let us discuss the different types of bills you receive on a monthly basis, their possible content (usage rate), and how you can best utilize them without breaking the bank, so to speak. As always, these tips may vary depending on your monthly budget and income, but if you’re looking for alternative ways to save up on your utility bills then feel free to apply the following:

1. The Electricity Bill

Electricity, energy, power, whatever you may want to call it, only one thing is certain, it is one of the most vital thing within a household. We all need our daily supply of electricity. Your TV, your fan, your computer, your cellphone charger, all of it requires electricity. Can you imagine a world without it? None of the technology we have today would even function without a helpful jolt of power. With all of that being said, it would only be appropriate to pay your monthly power bill, after all, you were able to consume all of it to your heart’s desire, you were able to enjoy all of the comfort brought about by electricity in all its glory. Now, if you’re scared of receiving a high energy bill every month, we have a solution for you – conserve your energy consumption. It may seem like a hard task, as understandably, you may never get enough of your computer screen during the weekends. But no worries, we are not here to deprive you of your hobbies, rather, push you towards the right direction in not overdoing it. Here are a just a few helpful tips:

  1. Turn off the lights during the day. Feel free to open your window curtains and let the sunlight in.
  2. Turn off the air conditioner once the surrounding air has cooled down. Open a fan to circulate the cool air. In this way, you consume less electricity, since the electric fan isn’t as power hungry as the A/C unit.
  3. Take your cellphone off its charge once the battery has reached a 100%. Contrary to popular belief, a cellphone charger still consumes energy even when the unit battery has reached full charge.
  4. Don’t leave the television on at night. If you feel that you might fall asleep on the couch, set the TV timer at least an hour while tuning in, in this way, your TV will automatically turn off, even after you’ve lulled off to sleep.

These are just some of the things to apply towards your daily routine in order to help you conserve electricity for the whole month. Some of them may seem like a small, simple act, but these simple things, when done on a regular basis, would yield big savings.

2. The Water Bill

We probably do not need to mention this, but water is the most important substance on earth. You may need food and air, but without water, it all amounts to nothing. It isn’t called the universal liquid for nothing. Now, just like your monthly consumption of electricity, water should be conserved as well. The thing about water is that it runs on a meter, so the amount reflected on your bill would only be an indicator of how you were able to utilize this essential substance. Of course, no one is going to stop you from brushing your teeth, taking a bath, getting a glass to quench your thirst, washing your clothes, etc. These are all normal activities, everyone does it, so there is nothing wrong about consuming water this way. However, the process in which you execute these activities, that is where the neglect and overuse happens. These following tips may very much explain that, while at the same time, provide an idea of proper water consumption:

  1. Patch up any leak that may appear on your pipes.
  2. Turn off the tap when you’re brushing your teeth. Doing this will save you six (6) liters of water per minute.
  3. Use a watering can to water your plants. Do not use a hose, as the water drops would be continuous and wasteful.
  4. Always use full loads in your washing machine. This eliminates unnecessary washes in between.

3. The Phone Bill

Communication is vital nowadays. During these hard times, you may find yourself working at home, and that can only be possible if you have your own laptop/computer, phone line, and internet connection. Unlike your average supply of water and electricity, the phone bill usually does not adhere to “consumption” rates, but rather, they rely on “Plan Subscriptions” to determine how much they’d charge you every month. This is made evident with your bundle plans. Most telecommunication companies prefer to offer their phone services bundled with their internet services. This was implemented as it is somehow more affordable than availing them separately. In terms of budgeting for such a fixed monthly rate, the best that you can do would be to choose a plan that fits your budget and provides all the main features that you’d be needing for your daily activities. You do not need a very fast internet speed if all that your work would entail are documents and files. The opposite can be said about jobs which would require a consistent cycle of online calls and video conferences.

With all of that being said, it is only understandable that sometimes, we may not be able to pay for all of these monthly bills in one go (we’ve all been there). Yes, you may be able to pay off one or two bills, but the remaining bills that goes unpaid beyond the due date would surely garner a penalty fee, thus, giving you more expenses than you’ve ever bargained for. In such case, it may be time to ask for help, to ask for financial assistance from your loved ones or most-trusted friends.

Never be embarrassed to raise the white flag and pick a well-trusted remittance center to receive the well-needed financial help. At this point, every centavo counts, and no other remittance center would value your trust and finances more than Cebuana Lhuillier, with their most reliable Money Remittance service ever. Be sure to visit the nearest branch now for more information.

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)