How to Open BPI Maxisaver & Why I chose it over BDO

Photo grabbed from: https://www.bpiexpressonline.com/p/1/326/deposit-rates-savings-and-checking

After you complete the necessary forms, you will wait for 3 days before getting your BPI ATM card.

Once I got my ATM account, I didn't waste time and linked my BPI Maxisaver to my BPI online account. Here are the steps that I did to do this:

1. Go to BPI Online Official Website
2. Log-in to your account
3. Once logged-in go to:

My Portfolio>>Enroll Additional Accounts

Photo grabbed from: https://www.bpiexpressonline.com

and tick the box "Savings and Checking Account (with ATM card or Info Card)" then click the "Continue" button. You will prompt to this page:

Photo grabbed from: https://www.bpiexpressonline.com

Fill up the necessary information, click "Submit" and you're good to go!

I'm claiming that this 2018 I can and will achieve my goals of having an emergency fund, you can read my 2018 recycled and new goals by clicking the link. I am so excited!

If you are asking what will I do with my BDO savings account, I will still keep it and planning on putting my buffer funds there.


How about you? Where do you put your savings? Is it in the bank too? Share your experience by writing a comment below. I would like to read them.

The year 2018 Updated Goals!

It’s the time of the year again wherein most of the financial bloggers I followed and adored have an entry about their goals this 2018 and since I’m a copy cat I also created mine. Haha.

As they say, there’s a big chance you will fulfill your goals in life if you write it down. I am a firm believer of this because it serves as a parameter for me to achieve them when I’m losing that drive or sparks.

For this year 2018, I consolidate some of my previous goals way back in 2016 and 2017. You can back read them here and here. Additionally, you can also read my updates how I accomplished some of them on 2016 goals and 2017 goals.

If you're asking why I am recycling my goals from the previous years it is because I am eager to accomplish my old but never been forgotten goals. I also added new item to the list below but I try to limit them because I don’t want to stress myself too much. Let's start shall we:

1. Save at least 6-9x my monthly salary before the year 2016, 2017, 2018 ends.

2. Visit my immediate family in Cebu and vacationing for a week or two.

3. Learn how to code in PHP language or graphic designing. I can use this for my freelancing gigs and to broaden my skills. Added expertise means an increase of $$$$ that I can utilize either for investments or emergency fund.

4. Have an investment in PH stock market amounting 50K 100K. To be honest I didn't put much effort last year in stock investing because I became stubborn and I focus my time on doing nothing. Huhu. I procrastinate and losing direction in terms of financial aspect but this year will be different! Oh yes, change is coming my dear. Charot!

5. Reduce my weight. Honestly, I am anxious about our upcoming APE (Annual Physical Exam) here in our office because for sure I will learn that I gain weight AGAIN.

6. Travel within the Philippines. My goal is to travel at least 5 different local places here. I also hope I can travel to Palawan this 2018.

7. Paint our house. It's hard to believe that I still don't push this plan in our house renovation because of lack of budget. Hopefully this year will be different.

8. Get term insurance either from Manulife, Sunlife or AXA. Reading financial blogs I frequent to read I fully understand the importance of having insurance. As a PH resident, I am aware that our health benefits here are not that good compared to other countries. Getting sick is a no, no because medicine and trip to the doctor are costly.

9. Have my own mini-business. Thank God I bought a fridge last year; therefore, this goal will soon become a reality. I’m planning on selling flavoured ice-candy this summer.

10. Learn how to swim.

11. Get St. Peter life plan.

12. Put 6x of my salary in Pag-ibig MP2.

13. Have a month salary in my buffer fund account in BDO.


What about you? Have you created your goals this 2018? Share them on the comment section below!

Photo Credits: Canva.com

2017 Goals: Quick Recap on Things that I Accomplished!

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3. Before I will post an entry about my 2018 plans/goals here on my blog, let's do a fast recap of my 2017 previous goals. Okay, let’s begin!
   
   
   
   
   1. Save at least 6x my monthly salary before the year 2017 ends.
   
   
   -It's so sad that even I deliberately saving a portion of my salary, I still unsuccessful on accomplishing this goal of mine before 2017 ends, however, on the positive side I can still achieve this goal this 2018.
   
   
   
   
   2. Open another savings account either on BPI, BDO or Metrobank for my emergency fund
   
   
   
   
   - I have now 2 savings account: A BDO savings account for my buffer funds (equivalent to my 1-month salary) and BPI Maxisavers for my emergency funds ( equivalent to my 6 months salary).
   
   
   
   
   3. Buy a fridge
   
   
   -I bought a whirlpool fridge last year. It was on Nov. 11, 2017, to be exact.
   
   
   4. Buy flat screen T.V.
   
   
   -My 2nd sibling whose very lucky last year, won on their company raffle and got a flat screen TV as her prize. I thank God for this because we pray for it. Actually, we were saving to buy a TV but getting it for free is a blessing!
   
   
   
   
   5. Visit my immediate family in Cebu and vacationing for a week or two.
   
   -This will be added to my 2018 goals.
   
   
   
   
   6. Have an investment in PH stock market amounting 50K
   
   -This will be added to my 2018 goals.
   
   
   7. Reduce my weight to 110 lbs. My current weight right now is 120 lbs.
   
   -This will be added to my 2018 goals. Do I have to explain why?! I think it is no brainer for me not to lose weight last year because I am eating left and right. Huhu. Why losing weight can this be so hard. Food is happiness! If you know what I mean.
   
   
   8. Travel around the Philippines. My goal is to travel at least 5 different local places here.
   
   -This will be added to my 2018 goals.
   
   
   
   
   9. Paint our house
   
   -This will be added to my 2018 goals. I am crossing my fingers that hopefully this year we can finally paint our house.
   
   
   
   
   10. Get an term insurance from either Manulife or Sunlife.
   
   -This will be added to my 2018 goals.
   
   
   
   
   11. Have my own mini-business
   
   
   - Since I bought a fridge on 2017, my mom and I sell ice in our neighbourhood while my father is busy with his business too. He's into "nagpapahose ng tubig". 
   
   
   
   
   12. Learn how to swim
   
   -This will be added to my 2018 goals.
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