Saturday, May 30, 2015

July to December 2015 Financial Calendar Planner

Hi everyone, as promised, here is our July to December Financial Calendar Planner.  You can download this free printable 2015 Financial Calendar Planner and put it wherever most convenient for you.  You can get it here in this link for free.

This 2015 Financial Calendar Planner includes tracking of your savings and expenses such as contributions for SSS (Social Security System), PAGIBIG  (or Home Development Mutual Fund - HDMF) and PhilHealth (Philippine Health Insurance).  If you are an employed member, these are mandatory deductions from your salary so it is easier to track.

However, if you are a voluntary/individually paying/self-employed member, you need to tick the appropriate space to indicate that you have already paid for your contribution so you can track your monthly premium payments.  We also included recording of you weekly money challenge.  The weekly money challenge is much like the 52 week money challenge but with some deviations.  You can keep track of the schedule when you should have already deposited your savings in the bank as provided in the calendar.  Simply highlight or check the date on the provided boxes if you have done so.  At the end of the month, you have the option to record your total monthly savings in the space provided.
There is also a calendar and the non-working holiday schedule so you can keep account of the  correct dates when you should make your transactions in the bank or government offices.
You can put down notes in the Other Reminders part should you wish to put the dates of other important transactions that you need to track such as the following:
1. Renewal of your business permit (mayor's permit,  BIR annual registration)
2. Renewal of licenses (LTO registration/driver's license)
3. Payment for insurance (home, car, etc)
4. Tax (real estate tax, income tax, etc) and other things that have direct impact on your finances.

We have also included tracking payments for your electricity and water bill since non-payment of those utilities usually add up to your expenses if not paid on time.  You simply tick the space provided to indicate payment for the particular month. 

I hope that this helps you keep track of your finances in a simple and easy to use financial calendar planner.  Download the free file here >> Happy planning and budgeting.

Monday, May 11, 2015

Q & A on SSS Maternity Benefit Part 3

Howdy everyone!  As promised that we will try our best to provide answers to your questions regarding SSS maternity benefit so we cannot just abandon those who wished for clarification.  We would like to highlight however that the replies provided are based on our own knowledge of the SSS law.  We encourage our readers to inquire directly with SSS through the different modes available such as phone hotline, email and SSS branches to ensure that your concerns are addressed.

Q. March 24, 2015 at 10:37 PM  regine minerva said...Hi..just wanted to ask ..Im a voluntary member na and ill give birth by May 2015..I was employed last year and the last contribution was Sept 2014..I also paid the Jan-Feb 2015 contribution..How much will be my benefit?please answer asap..Thanks po 
A. Hi regine, you did not say how much is your monthly salary credit.  Refer to our post on how to compute the sss maternity benefit so you will have an idea. 

Q. March 29, 2015 at 5:32 AM    Anonymous said...Mam, panu po pag naraspa ng march 2015, contributions nya plng pu ai dec. 2014-feb. 2015 tapos d rest 2013 n. Eligible pu b to claim maternity benefIt?, tenk u! Hope u reply 
A. You should have at least 3 months contribution from October 2013 to September 2014 to qualify. 
Q. April 9, 2015 at 5:55 AM   Anonymous said..san po ba nkbase ung makukuha sa sss maternity benifets!!! 

A. Based on your monthly salary credit within the twelve month period prior to your semester of contingency and some prequalifying conditions like submission of MAT1 and contribution requirements.
Q. April 14, 2015 at 5:32 AM  anonymous said...nghulog po aq august2013-dec2013 ntgl po nbuntis aq by april 20140 ngvoluntary aq sss oct2014-dec2014 umanak aq jan2015 my makukuha po b aq benftsA. You have paid at least 3 months ng Oct to Dec 2013 so ok yun contribution requirement mo, the question is nakapagpasa ka ba ng MAT1 otherwise di ka mabibigyan ng claim.
Q.April 14, 2015 at 5:37 AM   Lirajoy David said...Hi madam good day! I went to sss yesterday. Tinanong ko po kse kung qualified ako mka avail ng maternity leave. My hulog po ko nung aug2013 to feb2014 tinignan po yung last digit ng ss number ko 4 sbi po niya tapalan ko lng daw po yung month of jan,feb, and march 2015 para mka avail po ako. Nahulugan ko na po yung 3 months. 550 po monthly yung hinulog ko. Kso ang inaalala ko po nsabi na employed po ako dati. Ngayon po hnd. Ok lng po ba yun kht hnd ako nkapag palit ng status na voluntary? And qualified na po ba ko to avail maternity? July po ang duedate ko. Salamat po and god bless you..A. Dapat may hulog ka ng September 2013 to October 2014 to qualify. If naghulog ka as voluntary with corresponding payment receipt indicating your membership as voluntary, sss will change your status.
Q. April 14, 2015 at 4:57 PM  Ghie Ramilo said...3mos.buntis po ako nanlate po ako ng march at ngayon april ng contribution ko pwede pa po bang bayaran kahit late na? Makaka avail po ba ako ng maternity benefits 2014 february po ako nag start mag hulog hangang ngayon po 330 po hinuhulog ko voluntary.. magkano po kaya makukuha koA. If October ka manganak, you need to have contribution from July 2014 to June 2015 na at least 3 hulog within that period. Please refer to our post on computation of maternity benefit.
Q.April 16, 2015 at 11:33 PM   francine jewel said...good am ms.arlene ....due date ko is may 2015...salary credit ko is 10k...nakapaghulog ako ng oct-dec jan.-may2015...magkano po makukuha kong mat benefit...thank you...A. The payment that will be considered ay yun Oct-Dec lang since excluded na ang semester of contingency mo na January to June 2015. (10kx3 months)/180 x 30 around 10k ang mat benefit mo.
Q. April 17, 2015 at 8:02 PM   Anonymous said...Gud pm po carla po here.ask ko lang po kung qualified po ako sa maternity benefit.?aUgust 2015 po ung expected na mAnganganak ako.april 2014 po ako nag file ng mat 1.may 2013-june 2014 wla po akong hulog.then july 2014-dec 2014 may hulog po ako.qualified po ba ako.?A. Yes qualified ka since may six months hulog ka ng July to December 2014 during the 12 month required period mo. 
Q. April 19, 2015 at 6:55 PM  Jackie Cejes said...hello po to all readers and to ms.arlene i have a question since im pregnant for 5 months. and my last day of work was feb 16 2015, so i and my bf planning to continue my cntribution in sss to avail maternity benefits. well my question is how to submit sss mat 1 through online?.. so that no more hassles..and what are those supporting documents will be attached in mat 1?A. Just follow the instruction in our posts on how to register in My.SSS and how to submit your maternity notification online.
April 25, 2015 at 1:16 AM  Liezel Vergara said...Hi. Hope active pa tong thread...just want to ask if given my scenario: Nakapag submit po ako Maternity Notification last November 2014. Due nxt month na po ako (May 2015) via CS delivery
Nakapagbayad din ako ng contributions from October-December 2014 (Php 1650/month) After that di na po ako nakapaghulog ulit 1. Tama po ba itong rough estimate ko? Kung 1650 ang hulog ko, around 15,000 ang monthly salary credit ko. So 15,000×3months = 45,000. 45,000/180 days = 250. 250×78 days = 19,500 (amount na mare-receive ko as benefit) 2. Pwede pa bang maghulog ng for January-March 2015 kahit April na tayo ngayon para umabot sa 6 months yung contributions? Your response is highly appreciated po. Thanks in advance!A. Your rough estimate is more or less around that amount. For #2, SSS does not accept retroactive payment kundi yun previous month or quarter lang prior to scheduled cutoff.
Q. April 25, 2015 at 2:58 AM   Jah said...Hello po Ms Arlene, ako po si Jah. Pahelp naman po. Due ko po sa July 2015. Am I still qualified for the mat benefit? Here are my contributions..July 2014 - 935, Jan 2015 - 495, April 2015 - 605, May 2015 - 605 Thank you po..A. Dapat may contribution ka at least 3 buwan within april 2014 to march 2015 to qualify at nakapagpasa ka ng mat1 mo.
Q. April 26, 2015 at 2:59 AM   Anonymous said...hi! just good day to all, just wanna ask , cs po ako last jan 29 and pinapasahod nmn po ako ng employer ko while im on my meternity leave.. may makukuha p din b ko sa sss maternity benefit ko? and mga how much po kaya un. thanks.A. It is better to clarify that with your employer.  The SSS benefit is usually given in advance to employees to help her in maternity related expenses.  It is given since ang assumption is that employees on maternity leave are without pay during her period of absence at work. 
Q. April 26, 2015 at 11:33 PM  Anonymous pm.ask qlang po qng anu po mga req pg nagprocess po ng mat2 at panu po qng asawa qpo ung pupunta anu po ung kelangan nyang dalhn.pls advice thanxA. You should have filed your mat1 prior to mat2. You will attach the duly stamped received mat1 in your Mat2 form together with the birth certificate of your child, your sss ID and hospital/medical records. Your husband can file your claim on your behalf. Just ensure to get the claim stub or have all your docs photocopied so you will have your proof when you need to followup your claim.
Q. April 29, 2015 at 8:07 PM   bernadette cariƱo said...hi po. 6 months na akong preganant ang due ko po 1st week ng august according to my ultrasound. employed po ako ngayon pero PROBI palang po kya mag voluntary palang ako, tanong ko lang po kung makaka avail ba ako ng benefit kapag naghulog po ako ng APRIL TO JUNE 2015? thanks po. sana masagot agad 

A. Dapat may at least 3 months posted payments ka ng July 2014 to June 2015. Kung makabayad ka ng april to june 2015 at maipasa mo ang iyong Mat1, posibleng magqualify ka for the benefit.
Q. May 3, 2015 at 10:38 PM   Anonymous said...Gudday ms arlene.phelp nmn po ask ko lng po qng qualified pa ko makakuha ng maternity aug18,2014 ako nanganak e april may june lng ang may hulog ako feom my employer pwede bng ivoluntary ko ung january feb march pra mcomplete.ko ung 6mnths at pra mavail ko ungmaternity.pwede pi b un?pls reply tnx poA. SSS does not accept retroactive payment. With your 3 months posted contribution ng April to May, you pass the required contribution. Submit your Mat1 ASAP.
Q. May 3, 2015 at 11:49 PM   Anonymous said...Hello po Im Happy to see this site May question lang din po ako, I am 2 months pregnant now and my due date in on Nov. 2015 gusto ko po sana taasan ang contribution ko sa sss effective this May 2015 possible po ba ma base din sa computation ang mas mataas na contribution ko kahit ngayon ko lang po na increase and contribution? Salamat.A. Yes po, the higher the contribution, the higher the benefit you will receive since highest salary credit ang basis ng computation.

Saturday, May 2, 2015

Plans for the Month of May 2015

The month of May arrived so fast that we seemed to never experience the thrills of summer in April like a beach getaway perhaps (except for the too hot and humid weather that everyone else was complaining about). Guess we have a lot of catching up to do to make our summer 2015 memorable before it becomes over.

 April was the graduation month so our activities revolved around attending thanksgiving parties thrown out by proud parents. Our April weekends were spent like it never happened at all Ha!Ha!

I wish to make this month of May as memorable for the whole family as possible. Here are my wish list...

 1. Beach vacation. As it is hard to find a great place to spend summertime without careful planning, we really need to spend time researching for a great beach that fits our budget where our family will stay. First thing is to decide for the perfect location. As travel enthusiasts, it's always in our wishlist to visit a new place each year whether here or abroad. We had the chance to visit Dumaguete last year and for this year we wanted to go North of the country. In one of the tourist spot in Tarlac, Pangasinan or Ilocos probably. A weekend beach vacation will surely do us good to recharge ourselves.

Pinned photo from a website I stumbled upon
 2. Kitchen Makeover. This is one of the family's pending project since the last quarter of 2014. It was because we needed to prioritize and give more time and attention to my kids' school activities. This vacation month is a perfect time to do that I guess. (**fingers crossed**). Since our kitchen lacks all the bare essentials of a functioning kitchen, it will surely be a challenging task.  Browsed through images of kitchen design ideas and pinned a photo that caught my attention.  I wish to start this kitchen project this May hoping that my time and budget would allow it.  Anyone who would like to sponsor our kitchen makeover project are welcome. :-) It will surely be a great endevour to work on something and share with our readers the before and after photos of the kitchen.

3. May Fun Treat. Continue our monthly gift giving activities. To all those who still has not claimed their prize, email us at

4.Celebrate Moms Day. On 10th of May, I plan to have a memorable bonding moment with my mom and my mom-in-law to celebrate that special day. Time to give back to the very special women who molded me to be who I am.  Of course I need to hunt for a mom worthy gift for these two great women in my life  or scheme a plan on how to celebrate that day...a special date at a fine restaurant or a beauty pampering  at a saloon, maybe.

 There goes our plans for May, we will share with you our travel experiences and all celebration here. For the moment, let us get busy with the Pacquiao-Mayweather Fight. This is one for the pages of history that we do not want to miss!T