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.

how-to-use-your-credit-card-responsibly-during-pandemic
Smart Money
Use Your Credit Card Responsibly During a Pandemic – 7 Moneysmart Tips (2020)
Tough times allow you to recalibrate your finances. If you’re still acing it in discipline and stewardship when it comes to your credit card usage, then good for you. But if you’ve been struggling to pay your credit card bills since the pandemic started, it’s time to reassess how you’re using your credit card. Credit…
23 November 2020
how-to-invest-in-pag-ibig-mp2-savings-program-moneysmart-2020
Saving
How to Invest in PAG-IBIG MP2 Savings Program (Moneysmart Philippines 2020)
There are different ways to grow your hard-earned money. If you’re not satisfied with fixed deposit earnings or with investing in real estate, Bitcoin, or the stock market, then you may want to explore the PAG-IBIG MP2 Savings program. Did you know that with MP2 Savings, you can earn up to a 7.00% dividend rate?…
18 November 2020
quick-guide-virtual-pag-ibig-services-how-to-get-started
Smart Money
What is Virtual PAG-IBIG? (The MoneySmart Philippines Guide 2020)
The Home Development Mutual Fund, also referred to as PAG-IBIG, is often associated with affordable housing loans. But did you know active members also have access to other benefits beyond financing? PAG-IBIG has three types of programs: savings, loans, and insurance. Fortunately, you don’t have to go to a PAG-IBIG branch to access these services.…
15 November 2020
top-10-productivity-apps-to-keep-you-on-track-work-from-home
Career
10 Productivity Apps to Keep You On Track at Work, School or Home – MoneySmart Philippines 2020
Most companies and schools are still following work or study from home arrangements. While this saves everyone a lot of time and energy on travel, a lot of people are still having a hard time managing work, school, and home responsibilities. But don’t fret. Here’s a list of productivity apps (free and premium versions) to…
11 November 2020
prepaid-data-combos-promos-philippines
Lifestyle
Globe, Smart, SunCellular — The Most Affordable Prepaid Data Promos in the Philippines (2020)
Are you fed up with your slow internet when browsing on your mobile phone? Currently, there are only two major players in the telecommunications industry, which are Globe and Smart. Both also have their own subsidiary cellular service, TM and Sun Cellular, respectively. But even with limited options for subscribers, these telecommunication giants offer affordable…
8 November 2020
col-financial-online-brokerage-platform-beginners-guide
Investing
COL Financial – Beginner’s Guide to COL Financial Investment Platform
If you’re planning to invest in the stock market, then the name COL Financial should not be new to you. After all, for as low as P1,000, you can already start investing in their brokerage platform. But before you get too excited, make sure you know the basics of investing in stocks. It’s never risk-free.…
5 November 2020
Pocket Wi-Fi Devices in the Philippines – Which One Should You Use? (MoneySmart 2020)
Lifestyle
Pocket Wi-Fi Devices in the Philippines – Which One Should You Use? (MoneySmart 2020)
With most Filipinos now working or learning from home, the need for a strong and stable internet connection has never been more in demand. If internet application is proving to be a hassle or a challenge, check out these pocket Wi-Fi devices. Make a one-off payment and then just top up whenever you need to.…
2 November 2020
how-to-get-and-top-up-easytrip-account-guide-2020
Automotive
How to Get and Top Up Your Easytrip RFID (MoneySmart Guide 2020)
Heads up to all motorists. Starting November 2, 2020, NLEX and SLEX toll road operators will only allow RFID stickers in settling your toll fees as mandated by the Department of Transportation. This transition to a full RFID system will facilitate cashless transactions, so you don’t need to panic every time you reach the toll…
21 October 2020
10-Things-Filipinos-Should-Know-About-Fixed-Deposits-in-the-Philippines
Investing
10 Things Filipinos Should Know About Fixed Deposits in the Philippines
Thinking of how you can grow your hard-earned money? If neither stocks, real estate investment, nor Bitcoin is your cup of tea, you may want to explore fixed deposits (also known as time deposits). A fixed deposit is one of the simplest ways to invest at low risk. However, your earnings will depend on your…
6 October 2020
best-credit-cards-for-new-cardholders-philippines
Credit Card
Best Credit Cards for New Cardholders in the Philippines (2020)
So you’re ready to apply for a credit card. You already have the requirements, but now you’re wondering what type of credit card to get. There are three common types of credit cards in the market you can choose from: rewards, air miles, and cashback. Your choice depends on the features and benefits you want.…
5 October 2020
Cliqq-eWallet-MoneySmart-Review-2020
Smart Money
CLiQQ eWallet MoneySmart Review 2020
Electronic wallets are a must in this new normal. They allow us to manage our bills payments, money transfers, and other cashless transactions on the go. Thankfully, GCash, PayMaya, and Coins.PH help us settle payments without queues and branch visits. Alternatively, there’s an app called CLiQQ that you may want to explore. It’s useful if…
3 October 2020
compare-the-lowest-interest-rates-of-credit-cards-philippines
Credit Card
Compare the Lowest Interest Rates of Credit Cards in the Philippines (2020)
Planning to apply for a new credit card? Not satisfied with your existing credit card? Whether you’re a first-time cardholder or would like to switch, you need to compare credit cards first before signing up. Moneysmart folks keep an eagle eye on credit cards with the lowest interest rates and fees. With that said, here’s…
2 October 2020
Budgeting 101: The Best Apps to Track Your Expenses
Smart Money
Budgeting 101: The Best Apps to Track Your Expenses
If you find it hard to budget your money or worse, you’ve recently been retrenched, it’s time to step back and assess your finances. Fortunately, it’s never too late to learn financial management skills, especially during this crisis. One of the things you can do to efficiently manage your expenses is to keep a record.…
1 October 2020
Abra wallet review pros and cons
Smart Money
Abra Wallet MoneySmart Review 2020
Bitcoin, Ethereum, Ripple are some of the popular cryptocurrencies that are making rounds on the internet. If you know a little about them, you should also know that a digital wallet is a must-have to store these digital assets. If you’re looking for other digital wallet options, you may want to explore the Abra wallet.…
18 September 2020
AUB HelloMoney review
Saving
AUB HelloMoney Prepaid Banking Account – MoneySmart Review 2020
Banking is made easy these days as banks shift to digital platforms. For instance, ING Philippines and CIMB Bank have gone branchless on new applications. Simply download the mobile app, and you can open a savings account right on your phone. With unending community quarantines in different cities and increasing numbers of COVID-19 cases, it’s…
3 September 2020
Top 8 Websites to Find Workout Essentials & Gym Equipment (MoneySmart 2020)
Lifestyle
Top 8 Websites to Find Workout Essentials & Gym Equipment (MoneySmart 2020)
It’s tempting to be a couch potato and binge watch Netflix shows during this quarantine period. While there’s nothing wrong with entertainment, your health and physical well-being are more important these days. According to experts, people who are overweight are more susceptible to fatal conditions if they are infected by COVID-19. To strengthen your immune…
3 August 2020
Gcash vs Paymaya transaction fees
Shopping
GCash vs PayMaya: Comparing Transaction Fees 2020
Mobile wallets like GCash and PayMaya have made it easier to send and receive money these days. Cashless payments have never been so essential, especially in our new normal. But while they offer ease and convenience, there are also transaction fees involved. Every centavo counts, so check out GCash and PayMaya’s transaction fees here and…
1 August 2020
Maybank-iSave-MoneySmart-Philippines-Review-2020
Saving
Maybank iSave (MoneySmart Philippines Review 2020)
Opening a savings account isn’t as hard as you think. With digital banks, you don’t even have to visit the branch anymore, given that most of us would rather stay home these days. Yes, you still go through the same process of filling out forms and submitting the required documents. Only this time, it’s quick,…
17 July 2020
10-Things-to-Do-if-Youve-Been-Retrenched-During-COVID-19-Pandemic
Career
10 Things to Do if You’ve Been Retrenched During COVID-19 Pandemic
The Department of Labor and Employment expects that by the end of this year, 4 million Filipinos will lose their jobs because of COVID-19. The numbers are staggering. However, retrenchment is not unheard of during economic crises and global pandemics like what we’re currently experiencing. After all, companies need to downsize and cut expenses to…
15 July 2020
CIMB Digital Bank Savings Account – MoneySmart Review 2020
Saving
CIMB Digital Bank Savings Account – MoneySmart Review 2020
Saving money takes a lot of discipline and making moneysmart choices, and having savings in the bank is a huge relief when you have unexpected expenses during uncertain times. Fortunately, opening a savings account is easy and can now be paperless, thanks to digital banking. It’s certainly worth exploring as we all embrace the new…
16 June 2020
ING Digital Bank Peso Savings Account – MoneySmart Review 2020
Saving
ING Digital Bank Peso Savings Account – MoneySmart Review 2020
Opening a bank account these days can be a hassle because of the stay-at-home orders. Thankfully, digital banks like ING Philippines are offering convenient, branchless ways to do it. Instead of visiting a local branch where you are more likely to be exposed to people, you can do it on a mobile app. Digital banking…
15 June 2020
which digital bank is better ING Philippines or CIMB Bank
Saving
ING Bank vs. CIMB Digital Banks – Which is Better?
Online banking isn’t new to Filipinos. With most commercial banks continuously upgrading their systems, you can practically do all your banking transactions online. Why waste time queuing when you can just go online to transfer funds and pay bills, right? But online banking has its limitations, and this is where digital banking comes in. ING…
19 May 2020
What Filipinos Should Know About Digital Banking in the Philippines During COVID-19
Saving
What Filipinos Should Know About Digital Banking in the Philippines During COVID-19
Digital banking almost shares the same concept as online banking. But full digital banking allows you to open a bank account without going to a branch. No long lines. No printed forms. Everything is online by registering on the mobile app. Let’s find out how useful digital banking is in the time of COVID-19 and…
18 May 2020
best music streaming services in the Philippines - which one should I get
Lifestyle
Music Streaming Services in the Philippines (Spotify, Apple Music, and SoundCloud) – Which One Should You Get?
Do you remember playing those cassette tapes in the ‘80 and the ‘90s? And then using a pencil to rewind them? Have you also downloaded mp3s and burned them in CDs? Now, you can effortlessly listen to all the music that you want on your gadgets, thanks to music streaming services. You can create all…
14 May 2020
COVID-19 list of ECQ Financial Support Packages in the Philippines
Lifestyle
COVID-19: List of Enhanced Community Quarantine Financial Support Packages in the Philippines
You are probably feeling the financial impact of the extended ECQ by now. It definitely has affected the way we earn money and how we find new earning opportunities, and not in a good way. Thankfully, the government is extending its financial support through its Social Amelioration Programs (SAP) under the mandate of the Republic…
29 April 2020