How To Pay PLDT Bill via Citibank Credit Card?

I have been amazed how online transaction saves me more time from prepping, commuting, queuing, and extra expenses when I have to pay our utility bills. It is now more of a click button at home to complete the bills payment through online transaction.

For today, I wanted to share with you how I pay our PLDT internet bill via my Citibank credit card. Other than the convenience of being at home, I also learned that I am earning rewards point by doing this. By the way, I am using the Citibank Rewards Card. Check the type of card you have with your Citibank to determine if this feature is the same for you. Different types of cards has different features.

Google photo

Steps:

1. Check for the link sent to you via SMS from PLDT Home. Every month they sent out an SMS reminding me my due. But if there are none for current month, you can still use the same link from the previous months.

2. Once you click the link, it will take you to the internet link. Make sure that you are connecting through a secure link - there is the https. Enter your PLDT 10-digit Account Number.

3. Once entered and submitted, your full details will be displayed along with the amount due. There is an option for you to pay whether in full or partial. Though I haven't tried to pay in partial. The minimum amount for payment per transaction is PHP 200. Tick marked the conditions. Click the type of payment. For me, I chose the Credit Card.

4.And then you click which type of card. Whether it is a Visa or Mastercard.

5. Next display is that you enter your credit card credentials.

6. And then the confirmation if you have entered the correct credentials.Always verify the information you have entered.

7. After clicking OK, enter the One Time PIN sent to your listed mobile phone number.

8. Submit. Your payment is now complete.

9. You can also send the confirmation through your designated email address for reference.

Hope this post helps. Bye for now. :)

How Often Should We Replace Our Pillows?

We've been wanting to buy new pillows for a long period of time. And we've always wanted Dakki's pillow. Truth is they are expensive for someone like us so we keep on putting it off until yesterday. But they are proven to be durable.

I've read somewhere that pillow's frequency of replacement should be around 1 to 2 years. Why? Because the study shows that pillows absorbs body oils, dead skin cells, and hair. Also, over time, it also attract dust mites which feeds on our skin. They are not dangerous but for people with allergies, these little creatures can be unsettling.

Signs When We Should be Replacing Our Pillows:

• Noticeable lumps on the pillow or filler
• Noticeable permanent stains from body sweats and oil
• When you wake up with aches and pains particularly on neck and shoulders
• When you wake up sneezing from dust mites

I was raised to have these pillows brought out under the sun from time to time. But the rule of thumb is to wash them regularly like every 6 months. Maintaining them properly, they can last up to 10 years.

I'll be honest though, we don't do that. It takes us around a year before we wash those pillows. What we regularly do is that we replace bedding and pillow cases every week. Why? My daughter has a history of asthma so it makes sense to weekly wash every thing in the bedroom and replace.

How to Take Care of Our Pillows?

• Fluff the pillows daily to maintain the texture and the filler intact
• Put on a pillowcase to guard the pillow from stains
• Wash regularly. See the pillows care card for detailed instructions.
• Make sure to not get it wet so avoid molds and bacteria. If it gets wet, air dry the pillow.
• Dry the pillows under the heat of the sun every three months to remove unwanted allergens
• Do not use plastics to store the pillows. This might trap moisture which can cause mold or mildew grow.
• Keep pillows in a breathable bag.*

Yesterday, we decided to go to the nearest outlet and while we are choosing new pillow, I was introduced to the concept of selling items of Dakki. Why not?

I am already into selling stuffs online. An additional source of direct selling is always welcome. Since, we bought 2 pillows, instead of applying as a member and paying the registration fee of 350 pesos, I was approved for free membership. Below are the content of the new membership kit:

 * Dakki Pillow 
 * Catalogue 
 * Marketing Plan Brochure
 * Membership Card 
 * 1 pc. Coded Form 
 * 2 pcs. Non-coded Form 

I sign the membership form and was given an ID on the same day. 

To learn more about Dakki, here is the link: http://www.dakki.com.ph/dakki-How_to_Earn.html

The form to be a member can be downloaded from the same link.

Okay, got to post more photos online and sell. Bye for now. :)

ctto: google photos

ctto: *https://www.realliving.com.ph/cleaning-organizing/home-care/7-ways-to-take-care-of-your-pillows

How I Have I been Doing Lately?

There are a lot a of things going on right now for me.

I am still working at the same company. In fact I have been doing overtimes since start of May. One reason is that I am adding more take home pays. Maybe a higher amount in the payslip is something to make me change my mind. It is exhausting. This is a test.

Another big push is that this is my way to try to change my mindset towards the job role I have right now. An experiment I embarked at the start of May, challenging myself if I can actually extend my tenure in the company. And if the "phase" I have been feeling is valid and a confirmation that the decision I've come up is the next best course of action. Back and hips pain are real though.

Leaving this job is a tough decision, if I continue doing that. I have so many things to consider. Not just for myself. I finally have a view that I shouldn't be selfish and that I have a daughter who look up to me.

These past months, I keep going back and keeps reviewing again and again our current savings and investment. It is a "big leap" if I give up now. The money we have set aside is not enough to take that dive. That's the sad reality. Our preparation for an early retirement is already late.

Yes, we are debt free. No mortgage to pay. No consumer debts. Just the daily expenses and being frugal in our lifestyle. But not yet enough.

Other than that, there is no sustainable business yet. I keep looking for opportunities and at this time, nothing comes up yet. My job hunting shows a lot of "thank you" letter.

So in the meantime, I try to keep afloat amidst everything by keeping myself busy, so there will be time to overly think.

I work on Kolotibablo and 2Captha captchas while writing this.

I answered queries in my Shopee and Facebook Page.

I send applications to companies.

I read in between other blogs and articles.

I check crochet projects I'd worked with while waiting in line on doctor's visit.

Am I spreading myself too thin for everything? That is maybe the case. It is better though than sulking myself to this situation.

There are a lot of things I wanted to do. Time and money sometimes play a big part. I have to remember, we are a single income household.

One time, I was thinking if I am just complicating things. That this adult life is difficult. And that there are a lot of dependencies. I know everyone has their own battles daily. This is my own battle. Keep trying.

I Earned $20.356 Through Captcha Typing!!!

Okay, first don't ask me how immediately!

Second, this is legit!

Third, this is not an easy money!

I stumbled into this captcha typing back in September as I was looking for an online work I can do while at home waiting for my kindergarten's school day ends. Of course, I wanted a work that's easy, there is time flexibility, and can actually pay out. I search, study,  and tried online test but mostly I fail. Transcribing, paid surveys, telegrams, PTCs. I can't get in. I can't do the ESL because I am not good at English.

Eventually, I settled to just captcha typing. Anyway, since I'd only be doing it during my free time and when I am not doing made to order crochets, win win for me. I can do it on cellphone or on desktop. (Doing captcha right now, while writing this entry)

Instead of mindlessly scrolling facebook or instagram, I opted to do the captcha typing. This is just a sideline though, not something you can consider as mainstream income. First, it takes a long time to earn $1. Second, you need to complete 500 entries of captcha for only half the amount. Third, due to many subscribers, sometimes captcha is not actually loading. Fourth, this is not for everyone who doesn't want to waste time doing captcha for such a small amount. Tough.

So why do I do this? It was simple. I am a believer that I cannot just picked up 20 pesos while walking around the neighborhood or that I will earn more from scrolling facebook or instagram. In addition a small amount each if added everyday will eventually sum into a higher amount.

Why not just take a nap and rest instead? I sleep at night when my shift is during the day, why should I'd be sleeping again in the day? I am productive during the day so why not spend it doing more? Of course, there were days I don't feel like doing it, so I just let it slide. No pressure. My account is still there.

I tried two: 2captcha and Kolotibablo. Payment can be through coins.ph. From bitcoin amount to peso wallet. From peso wallet to my choice of bank account (BPI), free of charge. For 2captcha, link is here: https://2captcha.com?from=6320190 . I'll have a different post for 2Captcha.

Let me first discussed Kolotibablo. This is the sign in page of Kolotibablo. Click this link: http://getcaptchajob.com/doown7yc7z

Once you signed up and is in you will find the following.

Just like in any work or activity you embark, remember to read the FAQ on the lower part to know the do's and don'ts. If you feel you agree on the conditions provided, you can go ahead to working on it.

I only work the image captcha (IC). It has a lower bid than Re-captcha. There are requirements that my desktop and my phone doesn't support. See above photo.  That is why I settled to work on IC and Fun captcha.

When you hit the "Work via Web", it will take you the following. Of course, you can explore other things. Since, I am more of a basic type of person, I choose not to complicate myself to installing the certificates and plug ins.

Note that you will need to type 500 captchas before your balance in the $Acc. Balance will be moved to Protected Balance. The top part which has a blue moving line tells the time you have to solve the captcha. Try to solve the captcha within the allotted time frame. The lower part of this page (as shown above) will show the captchas you've typed, the loyality bonus points, the balance on moderation, the protected balance, RP, and your position in typing the captcha.

To withdraw your earnings, go to Finances, then Withdaw. You will be able to see your protected balance. Choose Bitcoins. Minimum amount to withdraw is already listed.

Right now, the Select option is not available for me since my balance for minimum amount to withdraw using Bitcoin is not enough. Once you click the Select option, it will take you to your set PIN and let you choose how much of your earnings you will withdraw. Then input your Peso Wallet.

It will take at least a minimum of an hour for your balance to be reflected in your coins.ph in PESO amount.

From coins.ph to my BPI account, free of charge.

Right now, my protected balance is still low. Previously, Bitcoin is lower so I was able to withdraw at $8 and $11 respectively. The minimum in BTC is 0.002BTC. Check below my payment details which was processed from Kolotibablo withdrawal page to my Coins.Ph Peso Wallet. If you need coins.ph link, click this link: https://coins.ph/m/join/9dcaql

Tips:

If the loading is too slow, you can set the discount to custom. But you should remember that if discounted then the smaller amount of pay is being paid. I don't do this often.

If you can't read the captcha, just click Skip. Be careful though with clicking the Skip button too often as this has complication. Kolotibablo might think you are lazy doing captcha.

The loyality goes down when you don't work for days. I've reached 5+12% already but you can see I am back to 2+5% because I haven't been able to work on most days recently.

Remember to set your PIN and to know that PIN by heart  so you will be able to withdraw.

Know that this is not an easy money. Do not attempt to work on it if your patience tolerance is low. This is not for everyone and like I mentioned not for mainstream income.

A lot of reviews mentioned that this is a waste of time and I agree. In my own opinion though, scrolling facebook and instagram over a couple or more hours, is more a waste of time.

***I will try to update this post when my balance is enough to withdraw so I can show it to you.

Happy captcha typing!

How To Earn Extra Income ~ Our Way

As the sole earner in the family, I controlled the outflow of the money from my salary. I am addicted to savings and investments. I am now in full control of my income as an employee. You would believe when I say that before all my salary were just for debt payment. It virtually disappears and doesn't land on my hand.

Nowadays, it has become better. Thanks to my husband and my little girl who did not only inspire me to step up but also to act on my financial mess.

As a family of three, we practice frugality at home or where ever we are. We continue to educate ourselves to wise money handling and financial literacy. We don't stop learning the ropes of how money earn while we sleep.

Since we have moved in our apartment a year ago now, we've been trying to handle living solely as us. And aside from my salary, we've devise ways to earn more.

1. Junk shop trips. We've already earned Php106 for all the junk shop trips since over a year ago. These are cartoons from the groceries.

2. Online shops. We resell brand new items through social medias and Shopee. Most often, it is a drop ship form. We also sell our preloved items. It is a wide market when most people no longer have time to go to the malls.

3. We make homemade treats such as leche flan.

4. I crochet items for sale.

5. We sell boneless bangus, tapa and longanisa.

We manage to mark up a little to these items. But earning from these if sum up is still a good and decent way to earn.

It all boils down to my determination to earn more and be able to achieve the financial stability we've always dream of. Yes, it is somewhat time consuming, small time, and sporadic, however, truth be told, it also means that if we wanted something we can always find ways to earn money one way or another. Sipag at tiyaga.

"Kung may tiyaga, may nilaga."