Krisette

Articles by Krisette Lim

Maria Krisette Capati-Lim is a contributing writer at MoneySmart for over four years. With an extensive background in the intersections of digital marketing, technology, lifestyle and personal finance, she believes that learning is a lifetime pursuit to become better ever day. When she's not writing, she's either checking her income and expenses on a spreadsheet or tinkering with her personal websites.

Can Buy Now Pay Later (BNPL) Help You Build a Good Credit Score?
Borrow Money
Can Buy Now Pay Later (BNPL) Help You Build a Good Credit Score?
Ever heard of BNPL? If you ever shop online, you must have encountered it. It’s an acronym for Buy Now, Pay Later, an agreement where a store lets you buy now and pay for your purchase over time. It’s like getting a loan, but without having to go through the hassle of applying for one.…
15 September 2022
useful-tips-for-first-time-credit-cardholders
Credit Card
10 Incredibly Useful Tips for First-Time Credit Cardholders (2022)
If you’re new to using credit cards, you’re in for a pleasant surprise. That mostly coveted plastic card provides plenty of opportunities to rack up rewards. But there are also a few things you need to be aware of before indulging yourself with a new pair of kicks or the latest iPhone model. A credit…
13 September 2022
hsbc red mastercard review 2019
Credit Card
HSBC Red Mastercard Review 2022 – Lifestyle Rewards Card With 4X Earning Points
Does the possibility of earning rewards get your heart racing? Let’s take a look at the HSBC Red Mastercard. This rewards card offers up to 4x bonus points when you use it for online transactions, shopping, dining, and overseas transactions. Rewards cards are ideal for spenders who love to redeem merchandise items, cash vouchers, or…
7 September 2022
know your sss benefits in the philippines
Lifestyle
Know Your SSS Benefits – MoneySmart Philippines Guide 2022
Did you know that the Social Security System (SSS) in the Philippines offers a handful of benefits to its members? It’s not just the pension you get once you retire. If you’re a first-time member, or even if you’ve been a member for years, it’s important to know what they are. When in need, you…
6 September 2022
citi grab rewards credit card review
Credit Card
Citi Grab Credit Card Review 2022 – Up to 5X Rewards Points
The pandemic has changed how we buy products and services. Thanks to Grab app, you can now shop for groceries online or order food — all in just a few clicks. What’s more, you can enjoy discounts and free shipping on certain days, saving you money as a loyal user. One thing’s for sure, now…
31 August 2022
how to invest in luxury handbags in the philippines
Investing
How to Invest In Luxury Handbags like Hermès, Louis Vuitton, and Chanel
Have you ever wondered if there was a way to invest in something that you love and also make a profit? Well, luxury handbags may be the answer. In recent years, the world of high-end fashion has seen a surge in popularity, with designer brands becoming increasingly sought-after. This has led to a corresponding increase…
30 August 2022
types of credit cards in the philippines
Credit Card
8 Types of Credit Cards in the Philippines: Which One Is for You?
When it comes to credit cards, there is no one-size-fits-all solution. The best credit card for you will depend on your individual financial situation and spending habits. Having one is not just a privilege but also a huge responsibility. With proper handling of purchases, you can actually build your credit score. To help you out,…
27 August 2022
solo parent act in the philippines
Lifestyle
What Is the Expanded Solo Parents Welfare Act in the Philippines?
As a solo parent, you are familiar with the challenges of juggling work and family responsibilities independently. Let’s face it. You need all the help you can get. Thankfully, here’s some good news. The Expanded Solo Parents Welfare Act was passed to provide benefits, privileges, and financial assistance. This article will discuss its benefits and…
22 August 2022
How To Get Cheaper Gas With PriceLOCQ App
Lifestyle
How To Get Cheaper Gas With PriceLOCQ App
In these tough economic times, being mindful of your spending is more important than ever. But let’s face it, keeping track of every peso can be a real pain. If you’re spending on fuel regularly, news about price rollbacks gives you that sense of relief. But what if there’s an app that lets you save…
18 August 2022
How To Fight Inflation as a Starting Family in the Philippines
Smart Money
How To Fight Inflation as a Starting Family in the Philippines
Inflation can be a pain, especially when you’re starting a family on a budget. Prices for essential goods and services seem to go up every day, making it harder and harder to make ends meet. Fuel price hikes seem endless as weeks pass by, and watching the news can make you worry more. The inflation…
28 June 2022
should I borrow from the bank or the moneylender
Borrow Money
Where Should I Borrow Money: Banks or Moneylenders?
Borrowing money is always a tricky topic. You want to get the best deal possible, but you don’t want to get into too much debt. So, where should you go when you need some extra cash? You can go to a bank and take out a personal loan or go to a licensed moneylender and…
19 April 2022
best investment and personal finance books to read
Investing
Top 8 Best Investment and Personal Finance Books Every Filipino Should Read (2022)
There’s no question that the best way to become financially literate is to read books about investment and personal finance. Unfortunately, not all of us have the time (or patience) to read through a bunch of them. But when it comes to financial literacy, books are still one of the best teachers. You learn the…
10 February 2022
how to make your finances inflation-proof
Smart Money
How to Make Your Finances Inflation-Proof in the Philippines
There’s no escaping inflation. It’s like a pesky fly that buzzes around your head, refusing to go away. The more you try to swat it down, the more it seems to multiply. Inflation is a natural occurrence in any economy, and there’s nothing we can do about it. It’s no secret that the cost of…
10 February 2022
Security Bank Complete Cashback Mastercard
Credit Card
Security Bank Complete Cashback Mastercard – MoneySmart Review 2022
Are you planning to get a cashback credit card this year? Look no further. The Security Bank Complete Cashback Mastercard is an excellent option for credit cardholders to earn up to 5% cashback from different spending categories. Cashback credit cards can be a great way to get cash rebates each month from the things you buy…
4 February 2022
Tonik Digital Bank Peso Savings Account – MoneySmart Review 2022
Saving
Tonik Digital Bank Peso Savings Account – MoneySmart Review 2022
What if we told you that there is a bank where you could open an account without having to deposit a single peso? What if this bank offers some of the competitive interest rates in the country? If this sounds too good to be true, then you’re in for a surprise because Tonik digital bank…
3 February 2022
how to get started with my.sss online registration
Lifestyle
How to Get Started With My.SSS Online Registration
Do you have a Philippine Social Security System (SSS) account? If so, did you know that you can take advantage of the SSS online services once you have activated your online account? It’s cumbersome to visit a branch and wait in a queue these days. Fortunately, you can request assistance online. But you have to…
1 February 2022
Beginners Guide on Insurance Plans
Insurance
A Beginner’s Guide on Insurance Plans – Things You Should Know Before Buying One
Are you in the market for an insurance plan but don’t know where to start? You’re not alone. Buying insurance can be confusing, especially if it’s your first time. One of the most important decisions a person can make is choosing the right insurance plan. There are many different plans and factors to consider that…
28 January 2022
Metrobank Cashback Visa
Credit Card
Metrobank Cashback Visa – MoneySmart Review 2022
Looking for the best cashback credit card? Well, you’re in the right place as Metrobank Cashback Visa is more than just a plastic card with an EMV chip. Smart spending is made possible with this credit card to earn up to 8% cashback from your purchases. But before you get excited and start computing how…
27 January 2022
how to fix a ballooning credit card debt
Credit Card
How to Fix Your Ballooning Credit Card Debt – MoneySmart Guide 2022
Are you struggling to keep up with your monthly credit card payments? Do you find yourself constantly running out of money at the end of the month? If so, you’re not alone. While the banks love to tell you that your credit card is a great way to fund a shopping spree, a new gadget,…
24 January 2022
mercury drug citi card review 2022
Credit Card
Mercury Drug Citi Rewards Card Review 2022
Purchasing medications regularly? It can be overwhelming to buy on-site these days as COVID-19 cases are increasing in the metro and nearby provinces. Fortunately, one of the big pharmacies like Mercury Drug lets you order online and pay for your purchases. If you’re looking for a credit card that offers rewards points from your health…
24 January 2022
debunking common myths and misconceptions life insurance
Insurance
Debunking Some of the Common Myths of Life Insurance: Why Do Filipinos Avoid It?
Are you one of those people who avoid life insurance agents because you’re assuming they will offer you a product? Do you think paying for insurance premiums is expensive and a waste of money? You’re not alone. Many Filipinos feel the same way because they believe in these common myths and some misconceptions passed down…
18 January 2022
bank accounts to open this year 2022
Saving
5 Types of Bank Accounts You Should Consider Opening This Year
One of the best things you can do for your finances is to have different bank accounts to manage your saving and spending habits. It also helps you keep track of your finances – how much you are spending and where it’s going. Besides, opening a bank account is hassle-free because you can do it…
17 January 2022
best passive income investments in the philippines
Investing
The Best Passive Income Investments You Can Make for This Year (2022)
Do you want to make some extra money without having to do much work? Ever imagine sleeping at night, and yet money still comes in? If so, you’re in luck! There are moneysmart ways to earn passive income in the Philippines. Passive income means that you receive money even if you don’t do anything. In…
10 January 2022
financial new year resolutions 2022
Saving
5 Financial New Year’s Resolutions Filipinos Should Make for 2022
There’s no better time to start making resolutions than at the beginning of a new year. While getting in shape and spending more time with loved ones are always popular goals, there are a few financial resolutions that Filipinos should make, too. Whether you spent more on ‘budol’ items on Shopee and Lazada last year or…
7 January 2022
Globe, Smart, PLDT, and SunCellular — The Most Affordable Sim Only Plans in the Philippines (2022)
Lifestyle
Globe, Smart, PLDT, and SunCellular — The Most Affordable Sim Only Plans in the Philippines (2022)
The Mobile Number Portability Act allows subscribers to retain their mobile number even if they switch to another network. It won’t be a hassle for you to change your existing provider, especially if you have a poor signal in your location. So, do you want to keep your current cellphone number without having to buy a…
6 January 2022