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.

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
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
credit card installment plans in the philippines
Borrow Money
What You Need to Know About Credit Card Installment Plans in the Philippines – Is It For You?
Credit card installment plans allow you to break up your total balance or a one-time straight payment into smaller monthly payments, making it more manageable. But is an installment plan right for you? A credit card can make you a wise spender or an irresponsible borrower. There’s nothing wrong with using credit cards, but how…
27 December 2021
best 0 zero Interest installment plans in the philippines 2022
Credit Card
The Best 0% Interest Installment Plans in the Philippines (2022)
Planning to buy a big-ticket item? Well, if you’re like most people, you’re always looking for ways to save money. One of the most important is ensuring that you’re getting the best deal on every purchase, whether it’s a small one or a big one. That’s why finding the best 0% interest installment plans in the…
23 December 2021
holiday shopping tips 2021
Shopping
Holiday Shopping Tips 2021: 10 Ways to Avoid Impulse Buying (and Spend Less)
It’s that time of year again. The holiday season is around the corner, and with it comes all the joys of giving gifts to loved ones. But if you’re on a tight budget this year or are trying to avoid impulse buying altogether, there are some things you want to keep in mind before your…
20 December 2021
How to Spot a Phishing Email in the Philippines
Lifestyle
How to Spot a Phishing Email in the Philippines
Phishing emails are all over the internet, and they can be challenging to spot. They often look like legitimate emails from banks, retailers, or other trusted sources. If you regularly check your inbox, you probably received one in the past few months. Are you one of those people who gets several phishing emails every day?…
18 December 2021
10 Signs That You Are Financially Prepared to Get Married
Lifestyle
10 Signs That You Are Financially Prepared to Get Married
Like most people, getting married is a huge financial commitment. Unless you are both wealthy, there’s no way to get around the fact that joining your lives together will require some planning and preparation on the financial front. Although if you’re not careful, those preparations can quickly become a source of contention and stress in…
16 December 2021
Your Ultimate Guide How to Cancel Your Credit Card
Credit Card
Your Ultimate Guide: How to Cancel Your Credit Card (and Why)
Some people often get credit cards for the wrong reasons – to help them spend money they don’t have or because they are lured in by a flashy sign-up bonus or a welcome gift. But if you’re not using your credit card responsibly, it can do more harm than good. Do you think you’re ready…
15 December 2021
Best Credit Card Promos for Year End Online Shopping 2021
Shopping
Best Credit Card Promos for Year-End Online Shopping (2021)
The holidays are fast approaching, and it means the start of online shopping for many budget-savvy people. The shipping cost can take a toll on your wallet – not to mention all the other expenses associated with big-ticket items. Online shopping is in full swing with the 12.12 shopping festival, other year-end sales, and Christmas…
13 December 2021
Smishing Scam Alerts You Should Know and How to Avoid Them
Lifestyle
Smishing: Scam Alerts You Should Know and How to Avoid Them
You have probably received a text message that says you won millions of pesos from a raffle draw. Another text message could have been a gift from a company, and you need to claim it as soon as possible. Lately, there are also unsolicited messages offering job opportunities. Well, if you randomly received any of…
6 December 2021
Metrobank Rewards Plus Visa Card MoneySmart Review
Credit Card
Metrobank Rewards Plus Visa Card – MoneySmart Review 2021
Looking for a rewards card for more points? Here comes the Metrobank Rewards Plus Visa card that offers double (2x) rewards points whenever you spend on gadgets, transportation, telecommunications, and online purchases. Whether you are a first-time credit card holder or you are considering applying for a second card, this article will provide you with…
3 December 2021
RCBC Bankard Flex Visa Rewards MoneySmart Review 2021
Credit Card
RCBC Bankard Flex Visa Rewards – MoneySmart Review 2021
Are you a millennial looking for the best credit card that has flexible features? Look no further. We got you covered. It can be daunting to browse all the pages of credit cards from several banks that offer great rewards and perks. Finally, there’s the RCBC Bankard Flex Visa Rewards card, allowing you to control…
2 December 2021
how to tell if an investment is a scam philippines
Investing
How to Tell if an Investment is a Scam in the Philippines?
It can be hard to know if an investment is a scam or not. If you are new to investing, you might fall for some old tricks that will end up costing you money. One way to help you figure out which ones are legitimate is to research and ask someone who knows about them.…
18 November 2021
how to buy bitcoin ethereum and other crypto philippines
Investing
How to Buy Bitcoin, Ethereum, and Other Cryptocurrencies in the Philippines
The cryptocurrency market has been seeing rapid growth in the past few years, and it is only expected to grow with countries such as El Salvador, which recently accepted cryptocurrencies like Bitcoin as legal tender. When it comes to financial innovations and integrations, the Philippine government is adaptable. In fact, In 2019, the Security and…
15 November 2021
7-Things-You-Need-to-Know-About-Personal-Loans-Before-Getting-One
Borrow Money
7 Things You Need to Know About Personal Loans Before Getting One
A personal loan may seem like a lifesaver during an emergency, whether it’s unexpected confinement in the hospital, losing a job, or a broken car. However, while it’s the most likely immediate solution to your financial needs, there are pros and cons when borrowing money from banks and lending institutions. Access to personal loans is…
22 July 2021
UnionBank-Lazada-Mastercard-Rewards-Card-Review-2021
Credit Card
UnionBank Lazada Mastercard Rewards Card Review 2021
Heads up to all the shopaholics and points collectors out there! UnionBank Lazada rewards card gives you access to great deals, discounts, and promos when you shop online. Get more points and save more from monthly double-digit shopping deals like 5.5 and 6.6 and payday sales on Lazada, Shopee, and other online stores. This article…
28 May 2021
8-Ways-to-Protect-Your-Credit-and-Debit-Card-Transactions-When-Shopping-Online
Shopping
8 Ways to Protect Your Credit and Debit Cards When Shopping Online
Fraudsters and scammers are always on the lookout for opportunities to deceive consumers. As cashless payments become part of the new normal, adding extra layers of security to your credit and debit card transactions will reduce the chances of being victims of these predators. Credit card fraud is inevitable, but you can take action now…
15 May 2021
how-to-open-a-checking-account-in-the-philippines-moneysmart-guide-2020-2021
Smart Money
How to Open a Checking Account in the Philippines – MoneySmart Guide 2020
Are you thinking of opening a checking or current account? In case you’re planning to do so, here’s a simple guide to walk you through the steps — including how checking accounts work, what to consider before opening one, and its advantages and disadvantages. What is a checking account and how does it work? Primarily,…
29 December 2020
updated-credit-card-rates-fees-and-caps-in-the-philippines-2020-2021
Credit Card
Updated Credit Card Rates, Cap and Fees in the Philippines 2020 – 2021 by BSP
Heads up to all credit cardholders. Here’s an early Christmas gift for you. Banko Sentral ng Pilipinas (BSP) caps the annual interest rate of credit cards at 24%. That’s right ― credit card issuers will only charge you a monthly interest rate of 2% effective November 3, 2020. BSP will review this circular every six…
1 December 2020
time-deposits-vs-high-interest-savings-accounts-which-one-to-choose
Saving
Fixed Deposits or High Interest Rate Savings Accounts – Which One Should You Choose?
If you’re looking for a safe, low-risk investment option, a fixed deposit or time deposit can be one of your options. Alternatively, you can also grow your savings through digital banks like ING Philippines and CIMB Bank. They offer high-interest rate savings accounts, and opening an account is super easy via the mobile app. Fixed…
30 November 2020