SavingsPinay’s Best Posts 2016

December 22, 2016
2016 has been such an amazing year for SavingsPinay. I am so thankful for the opportunities that opened through this blog. This is also the same year that I hit my biggest monthly pageviews, I invested in a domain, I revamped the whole look and feel of the blog and I started to take this blog more seriously.


After a total of 110 posts for 2016 I am now ready to list down the Best Posts in SavingsPinay based on number of views and my personal favorites as well. I hope you’ll continue supporting this blog especially now that I have launched it’s version 2.0 🙂 I have a lot of exciting things prepared for you all.


Best Posts by Pageviews

Table of Contents

Top 1.  Ultimate Guide to Caramoan Island Hopping Adventure

Last August I was fortunate to be part of the first Blogger Getaway hosted by It was an all-expensed trip at Caramoan Island with 15 other amazing bloggers. In this post I quickly discussed how to do your own Caramoan Island Hopping Adventure. I included things to do, places to see, what to bring and budget tips as well.

Top 2. How to Apply for a Pag-IBIG Loyalty Card

Pag-IBIG Loyalty Card works as a valid ID and Loyalty Card for Pag-IBIG members. In this post I gave away the step-by-step process in applying for one and the benefits this new loyalty card can do.

Top 3. 6 Top Reasons Why Pinoys Find It Difficult to Save Money from John

John from iMoney Philippines contributed a great post loved by all SavingsPinay Readers. The 6 Top Reasons Why Pinoys Find it Difficult to Save Money is a wise read for those who want to reflect on their finances. He was totally on point on the six reasons he wrote. You will also agree mostly on what’s written in this post.

Top 4. 4 Useful Tips to Live Within Your Means from Kyle

Kyle from MoneyMax Philippines provided a helpful article for all SavingsPinay Readers. He gathered four useful tips that we can manage to live within our means. In this time of the year when we there’s higher possibility for us to over spend, this post from Kyle is good reminder.

Top 5. TESDA Short Courses You Can Take and Earn Extra Money 

If you are thinking of a good personal investment to make this 2017 then enrolling on a TESDA short course can be a good option. I did a list on short courses being offered by TESDA and how each class can help you earn extra money.

Best Posts for Me

On Saving Money


How Much Money Should You Save Each Month?


Perhaps that question has been on your mind for quiet some time. We were always taught that saving money is important but we weren’t aware of how much it should really be. Of course not all of our income can be put in our reserve money. It all depends on certain circumstance that I will unveil in a moment. Read More >>>


Best Savings Accounts for Your Kids


If you are thinking about the best financial move you can do as a parent for your child then opening a savings account will be the best answer. You’ll surely give a head start to your kid’s financial success plus teach the importance of personal finance as early as today. The money you set aside in your kids savings account can help during tough college years. You can also keep the savings account as a gift once they turn 18 (legal age). Read More >>>


The Different Saving Funds You Should Own


I also realized that I spend too much time thinking about saving money but I honestly have no idea what am I saving for. Do you have the same struggle? And so I thought I’ll create a list of The Different Saving Funds You Should Own. Let me know in the comment section below which fund you want to start saving, which fund you are currently saving for and which fund you’ve already accomplished. Read More >>>


5 Habits That Can Boost Your Savings


Today we will be discussing an important matter in everyone’s personal finance life, boosting our savings. For years I’ve been blogging here in SavingsPinay but I haven’t really discussed practical ways for people to save more.Whether you’re a beginner or already a pro in saving money I hope below ways will help you. Read More >>>


Frequently Asked Questions About Saving Money

Today is a rather different blog post. I will be gathering the frequently asked questions in terms of saving money and give answer for each one. My goal is to give you a closer look into the world of saving whether you are a beginner or pro. I can tell you by experience that saving is a very tough act. It’s all about attitude, determination and financial discipline. I know that we all need a little push to get better so I gathered common questions people ask about saving money and the answers I came up with. Read More >>>


On Budget


My New Budget and Spending Tracker

Last year I shared a DIY Spending Tracker. I was desperate to be on top of my finances and tracking my spending is such a brilliant idea. I know exactly where my money is going. Though writing down how much money I spent in a day can be pretty time-consuming, I’ve grown to love the process. Hindi na ko nanghuhula kung saan napupunta yung pera ko. The daily log also made me more aware of how much I am spending in a day. Read More >>>


Frequently Asked Questions on Budgeting

Today I wanted to created another collection of question and answer but this time focusing on Budgeting. The goal is again give you a closer look on how you should budget your money whether as a beginner or pro. Budget remains as the fundamental lesson in personal finance. Everyone no matter what age, gender, living status, salary should and must learn how to budget. Let’s take a look on the common questions people ask and the answers I came up with. Read More >>>


On Investing


Where to Invest this 2016 in the Philippines

The start of the New Year offers great promise for everyone. We are all in the hope of a better life especially in the area of finances. As mentioned many times in this blog and other personal finance articles, INVESTING is one way you can make your money work for you. Once you invest your money you are actually purchasing a share on a company or an asset which will provide income in the future or appreciate its value to be sold at a higher price. Read More >>>



How to Invest Your 5,000pesos

All of us want to get rich one day and a step you can take to secure a better finances tomorrow is investing today. But how can you invest with just 5,000 pesos? I chose the magic 5,000 pesos for a couple of reason. One, it is the easiest amount of money you can save. Two, a lot of investment vehicle offers this initial money option perfect for beginners. In today’s post I will be revealing the investments you can make with 5,000pesos. Read More >>>


Intro to Investing | An Almost Complete Guide for Beginners


In today’s post I’m going to give you a primer on investing in the Philippines. Everyone has that big dream to become rich someday and live a comfortable life during the retirement years. Others want to achieve big goals like house and lot or own a business. These needs and wants can only be accomplished if you know how to invest your money wisely. If you want to learn more about investing in the Philippines, how to start and where to start then please continue to read the rest of the post. Let’s begin. Read More >>>


7 Ways You Can Invest in Yourself

So I thought it would be nice to share the 7 Ways You Can Invest in Yourself Too. Its time to think about you and how you can make a better life. We are all about giving to others that we forget to give to ourselves and this post is a complete opposite. We will be a little selfish and empower each other. Investing in yourself is important because its your own way of living life better. The return of your investment is passive, meaning it grows exponentially without you even lifting a finger. If investing your money comes with inevitable risk-factor, investing in yourself is complete opposite.   Its risk-free and full of rewards instead. Read More >>>


How to Invest for Beginners in the Philippines


Let’s admit it, “INVESTING” is such a foreign word for Pinoys. A lot of Filipinos are afraid of the word “investment” thinking its a scam, networking or tactic to lure people and lose their money. But investing doesn’t have to be complicated. It’s just a necessary move that every Pinoy ought to learn and take. If you have zero idea How to Invest in the Philippines or already an Investor but would want to gain more knowledge then this post is for you. Read More >>>


On Spending Your Money



9 Smart Ways You Can Spend Your 13th Month Pay


It’s the time of the year again when 13th month is here. You may have a list of ideas on how you’re going to spend it but hinay-hinay lang kapatid. There’s nothing wrong in buying your wants with your extra cash but if you want a change then you might want to think again and become a wise spender. Here are 9 smart ways you can spend your 13th month pay and get the most out of your bonus this year. Read More >>>

Do This, Not That When It Comes to Your Finances


SavingsPinay remains as a personal finance blog of a common Pinay. With that being said I have shared to you with all honest my confessions as a personal finance blogger. I am not perfect when it comes to handling my finances. And just like you I am struggling to get my finances in order before 2016 ends. But I never lose hope. I hustle a lot this past weeks because my goal is to finish this year strong. I’ve learned some valuable lessons that I’d like to share to you. I call this the Do This, Not That When It Comes to Your Finances list. I hope you’ll enjoy. Read More >>>


On My Personal Rants



How Much Do I Really Make?

Talking about Sweldo here in the Philippines is just a big no-no. Ask someone how much they make in a month and for you’ll get “secret” as an answer. The success of My Year-End Extra Income Report is what made me want to go real with you on How Much I Really Make. Now I want to give a big disclaimer here. I didn’t publish this post to offend anyone. If you are easily offended with this kind of post then please stop reading. This post is meant to inform and to explain important matters regarding sweldo in the Philippines. Read More >>>


13 Things I Do to Improve My Finances


I know how tough managing your money can be. Just like you, I have struggled to balance my budget and keep everything in order. But what I come to realize is that the little things and changes we do today matter a lot. Every financial decision you make can impact how your life will be in 10-20 years. And if you start strengthening your financial life and really building a strong foundation then your future self will surely thank you. Here are ways I have improved my finances and how slowly but surely I am getting on track of my ultimate goal to be a financially independent Pinay. Read More >>>

Today I declare my choice to become a financially independent Pinay. I want to empower myself to learn, earn, save, invest and give on my own without dependence to my parents, any family members, friends, boyfriend (well I don’t have one), partner or debt. I want a full control on where and how I spend my hard earned money without the need to ask permission to someone (or anyone). I am not being selfish… I am just choosing the road less traveled. Read More >>>


Why I Closed My BPI Save-Up Automatic Savings + Insurance and How to


Two years ago I opened my BPI Direct Save-Up plus Insurance account to kick-start my emergency fund. I have featured it in a first impression review as soon as I received my Info Card in February 2014 and a blog update in October 2014. Just like the others I got really excited with the word “insurance” alongside this particular savings account from BPI. I believe everyone would love to save and to get insured at the same time. But last November 4 I decided to deactivate or cancel my BPI Save-Up plus Insurance account. Read More >>>


General Money Tips


When to Quit Your Job and How to Do It

If you’ve read my second year anniversary working in Makati post you’ll know that I am currently contemplating whether to stay or to leave my current job. I see 99 reasons to quit but there’s 1 reason that’s making me do otherwise. WiFun has been my second home already. I feel safe and sound when I am at the office and I even have days when I want to go to work rather than stay at home. But I know people who struggle with the same decision. I believe it’s just a big decision that can affect you, your family and your future. It’s something you have to think in a lot before really doing. And sometimes even if you have already decided, you’ll still feel a little guilt in the inside and will haunt you for a couple of weeks. Read More >>>


Ultimate Guide to Mt. Daraitan Day Hike (w/ Side Trips at Tinipak River and Underground Cave)


I have shared before in post about an easy and cheap day hike perfect for beginners at Mt. Manabu. This time I will be sharing a complete guide with itinerary and expenses on my second climb this year, Mt. Daraitan. And did I mention that this is not just an ordinary climb? We also had side trips at Tinipak River and Underground Cave. If you want an adventure and relaxation in one this could be for you. Read More >>>


Does Customer Rewards Card Really Work?

A friend once wondered why I’m so obsessed in so-called rewards card. He told me that in a broader sense, rewards card and/or customer loyalty program doesn’t really add value to the consumer but rather to the company itself. You buy to that brand and receive points but you can only that points to purchase the item on the same brand. His point make sense right? I honestly thought hard about his statement that night. I have shared countless posts on Rewards Cards that I own and my review for each but never have I seen his view. For me rewards card give additional value to the money I buy at the store. What my friend told me inspired today’s post. I thought it’ll be fun to share My Loyalty Rewards Card Experience and the pros and cons it had caused me.  I hope you find this post interesting. Read More >>>


How to Apply for Pag-IBIG Loyalty Card


Thanks to our HR in the office I found out that Pag-IBIG introduced a Loyalty Card for its members. The card works as a valid ID and Loyalty card in one which is amazing. It also features special discounts and rewards for all Pag-IBIG Members. Today’s post will let your know more about this loyalty card from Pag-IBIG. Read More >>>



How to Get Your Finances in Order Before 2016 Ends

It is less than five months before 2016 ends and I can honestly feel the pressure. Am I the only one who feel like the year flew by too quickly? Aside from the excitement of the coming -ber months I am also extremely pumped up to get my finances back in order just before 2016 ends. I’ve put a lot of small and big financial goals that I want to ponder upon.  Today I will walk you through some steps you could do in order to sort things out financially. Its time of the year to face the truth about our finances and live the few remaining months savvy. Here are Ways on How to Get Your Finances In Order Before 2016 Ends. Read More >>>


How to Blog and Earn in the Philippines


Blogging had ultimately changed my life for the better. I am so thankful and blessed that I discovered this early. Having a blog allowed me to get my creative juices flowing. It made me learn a lot of new things about myself. It opened opportunities for me to meet people and work with others who have the same passion. It also gave me an idea that earning extra income online is attainable. If you haven’t thought of blogging for the money then maybe this article will enlighten you.  Read More >>>


All About Making Extra Money in the Philippines

Here on SavingsPinay I encourage everyone not to be satisfied with just one source of income. Side jobs and other ways to earn extra cash are a must whether its online or offline, part-time or full-time etc. Last December I did my very first Year-End Extra Income Report and it makes me happy to realize that the I’ve used my spare time well. From doing freelance content writing to actual event management and hosting…2015 is a great year indeed. You too can make extra money. All you have to do is learn what skills, talents or hobbies you have that you can share. Build your portfolio, network to people and succeed with your first ever client. From then continue developing your passion and soon it could be the only source of income you’ll need. Read More >>>


4 Ways to Get Your NSO Birth Certificate Fast and Easy


I finally got my NSO Birth Certificate!!! I was planning to get my passport this September and based on my research I will be needing my birth certificate as a requirement. I was about to ask my mother to apply my birth certificate for me but I was surprised of how fast and easy getting your birth certificate is nowadays. For busy people like me I compiled the different ways you can apply and get your NSO Birth Certificate. These four ways also applies when you are looking to get other important files like marriage certificate and certificate of no marriage as long as under the Philippine Statistics Authority (aka National Statistics Office) I hope it’ll help those who have no time or no energy to wait long lines and apply. Read More >>>


Final Words From SavingsPinay


Although I’ve published less posts this 2016 I am still proud of how much the quality of my contents improved compared to last year. I became more focused on how I want this blog to be perceived by my audience. SavingsPinay will continue to be a source of helpful insights on savings, budget, investments, career, entrepreneurship and beyond. I hope now that we transferred to a new and better home you’ll continue to support the blog. Happy New Year!!!


How about you? What’s your favorite post in SavingsPinay? What post helped you the most?

Clariza Glino

Izza of SavingsPinay helps Filipinos bridge the financial literacy gap one content at a time by providing insights and tips on budgeting, saving, investing, side hustle and growing your net worth. Aside from this blog she also writes at, a beauty and lifestyle blog for frugal Pinays and manages,, a wedding and event business since 2011. For inquiries, topic suggestions or future collaborations email her at

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