How To Earn Extra Money (Online and Offline)?

Want to be your own boss and earn money? Who doesn't, right? You might be surprise to find a wide range of ways to earn money while not being an employee of some sort. Not everybody wants to be employed, not forever at least. But how could you let go of the job if you need income.

Because of the birth of the internet, not to mention, the social media, this is now easier to achieve.

These are not ranked according to any criteria.

1. Monetize a blog
Investment: Patience and skills

What you need: Internet connection, blog, AdSense account

2. Invest in stocks
Investment: Minimum of 5K

What you need: Money, Stock broker platform

Think that stocks is intimidating if you don't have a financial education background? Wrong. If you are aiming for long term investment, all you need to do is open an account, buy some good stable stocks and you are good to go. One of the leading stock broker platforms in the country is COL Financial. Their office is in Ortigas and it only takes 15 minutes to open an account with them, here is a step by step guide for beginners. 

3. Sell your old items
Investment: Time

What you need; Pre-owned items, websites like eBay.com, OLX.com

Decrease the clutter, increase your money. May it be clothing, books, gift items, appliances, sell them all! You'd be surprise.

If you have the space to hold a garage sale, you could do this also.

4. Sell your photos
Investment: Photos

What you need: Quality photos

Quality photos meaning with quality content not hd quality. Although, that is a plus too. There are websites and apps that let you sell your photos and gives you a cut whenever someone downloads it. Some apps are shutterstock and eye-em.

5. Freelancing
Investment: Skills

What you need: Website to advertise you skill

6. Attending in research market discussions
Investment: Opinion

What you need: Invitation to a focus group discussion

How To Pay Meralco Bills Through BPI Express Online?

The steps below shows how to pay Meralco bills using your BPI Express Online. This only works for those who already have a BPI Express Online account. Also note that overdue Meralco bills CANNOT be paid thru this method. For Metrobank, proceed here.

Step 1. Sign in to https://secure1.bpiexpressonline.com/AuthFiles/login.aspx?URL=/direct_signin.htm

Step 2. Make sure MERALCO is enrolled as a biller, here's how. Proceed to Payments and Reloading > Pay Bills Today

Step 3. Fill up the required information. ATM/Reference Number can be found at the bottom left of the Meralco bill.

Step 4. Double-check the information you entered Click submit and confirm.

For questions, please feel free to leave a comment or call BPI hotline.

How To Pay Your Meralco Bill Using Your Credit Card?

NOTE: This post is for Citibank credit card

By enrolling your merchant to your credit card, you also earn points. You earn something from something you will pay anyway monthly. Hello, reward points! Then, you can use those points to book a flight! Here's how I booked a flight to South Korea for half the price using my earned points throughout a year. :) Just make sure to pay your credit card bills ON TIME!

Unlike any other merchants in Citibank online (Sky, Globe, Smart), Meralco changes your reference number every month so you cannot enroll it permanently in your Citi account. Instead, you have to treat it as a One Time Bill Payment.

Here's how:

Step 1. Go to https://www.citibank.com.ph/ then log in to your account.

Step 2. Proceed to Payment and Transfers. Select One Time Bill Payment from the To Account dropdown box.

Step 3. Click Search, click View Merchant or you can type in Meralco in the search box.

Step 4. Enter the ATM/Phone Reference No. in your Meralco bill. It is located at the bottom left part of your bill.

Step 5. Click Confirm and Pay.

You're done! Or you can view your record then email it to your registered email address.

How To Enroll Utility Bills To Your Credit Card?

NOTE: This post is for Citibank credit card holders.

First of, these are the merchants you can enroll to your Citibank credit card.

The advantages of doing this are convenience and money. If your card is a reward card or cash back card, you will benefit most from this one because you will be getting points for the bills you must pay every month anyway. You are paying monthly mandatory bills, so why not get rewarded or paid for it, right? An addition to the list of how to save money!

To enroll a merchant to a Citibank credit card, below are the steps. I am pretty sure some credit card companies allow this also.

Step 1. Go to https://www.citibank.com.ph/ . If you don't have an account yet, register first.

Step 2. Once logged in, proceed to the Payment and Transfers tab at the top part of the page.

Step 3. Proceed to Manage Payee List. The site will then prompt you to enter the OTP code sent to your phone. After the OTP code is verified, click Add Payee.

Step 4. Click Search, then View all merchants. Select the merchant you want to enroll.

Step 5. Enter your account number for that merchant. Tip: Double-check the numbers. Then click Next.





















Step 6. Check again then click Confirm.

Step 7. A notification will tell you that the enrollment is successful. You can now pay your bills using your credit card and get rewards for it!

UPDATE:

For some merchants like Meralco, you cannot enroll/save Meralco as the merchant because your reference number changes every month. I have called Citibank hotline and they told me that you must proceed to One Time Bill Payment. Here's how to pay your Meralco bills using Citibank credit card.

For other questions, feel free to comment. :)

How To Counteratttack Goblin Hut in Clash Royale?

NOTE: This also works for counterattacking Barbarian Hut.

About the card:

• This card is unlockable from the Goblin Stadium (Arena 1).

• The Goblin Hut is a building that spawns Spear Goblins, and as such, the Goblin Hut will be targeted by cards such as Giants and Golems.

I have tried this always when the enemy was the first one to put down the Goblin Hut and works 100% (so far).

There's only one tip, DO NOT defend the tower that the goblins from the hut pursues. If the goblin hut was placed to pursue your left tower, put down your troops on the other side, preferably Baby Drag, and Giant. The goblin hut costs a fairly amount of elixir and it is unlikely that the enemy can defend the other side quickly. Just follow through with strong troops pursuing the enemy's other tower.

From all the times I have done this, it only took one wave of my troops to destroy the King tower. Three crowns, anyone?

Good luck and please share your other thoughts on this! :)

How To Get Free Gems From Clash Royale?

This article contains a few tips to get gems in Clash Royale without buying them.

Tip 1. Complete the achievements. Below is a list of achievements that you can aim to finish. Each one corresponds to a number of gems that you can get.

The simplest one is to watch one full TV Royale battle.
No. of gems: -

The next easy one is to aim Level 3. That is when you can join a clan.
No. of gems: -

And while you're at it, donate a card to one of your members.
No. of gems: -

Tip 2. Collect Chests. You can get gems from Chests. There are many types of Chests. Though the highest number of gems I collected was 1000 gems from a gold chest that takes 8 hours to unlock. Extra tip: Unlock bigger chest before you sleep to save time ;)

If you have other tips to get gems for free, please feel free to comment :)

How To Play Clash Royale? (for Beginners)

Supercell launched its newest game Clash Royale. And it is starting to take the globe, again, just like Clash of Clans. It is very easy to learn the game even if you don;t play Clash of Clans. Though, a beginner's guide won't hurt.

Here is beginner's guide on everything Clash Royale.

Step 1. Set up your name.
Step 2. Complete the training. You will get Troop Cards from this. The game will guide you through this.
Step 3. Once you have finished the game, you can now proceed to live battles. You can access this when you tap the two swords icon.

The following are basic knowledge you need to familiarize yourself with.

Troop Cards - Well, these are your troops.
Spell Cards - These are spells you can use to your advantage.
Crown Towers - These are the three buildings that you need to protect (especially the one with the king in it which is called the King Tower)
Battle Deck - These are the combination of Troop Cards, Spell Cards that you can use during the battle. This will appear randomly during the battle but are pre-chosen before the battle. You can customize at most 3 battle decks in the card icon section.
Chest - This is where new, existing troops and spell cards are from. This will also produce gold and gem.

For more questions, comment away! :)

Sources:
http://clashroyale.wikia.com/wiki/Clash_Royale_Wikia

How To Install Clash Royale for Free?

Step 1. Open Play Store.
Step 2. Search for 'Clash Royale'
Step 3. Tap Install, then wait.
Step 4. Enjoy Clash Royale! Click here to know how to play the game.

How To Download Video from YouTube?

Step 1. Download YouTube Downloader here.
Step 2. Go to the video in youtube you want to download.
Step 3. Open YouTueb Downloader.
Step 4. Copy the URL at the top of the browser's address bar and paste it to YouTube Downloader.
Step 5. Click 'Download' and wait.

How To Save Money the Simplest Way? (For Young Professionals)

These are tips for yuppies (and not so young) in the Philippines to save money in the simplest ways possible. These are really realistic ways that you CAN do in a developing country like ours without being a cheap and an impractical person.

1. Pack lunch.
I started on meal prepping recently, the one you prepare all your food for the next 5 days during Sundays, and I only spend 55-70 pesos per day for my lunch. A balanced one actually, thank you very much. I know that there are meals out there that cost the same as my packed one and more convenient to buy but are they healthy *ehem*Jolibee*ehem*7-eleven*ehem*?

2. Walk.
End of the day, you just want to lie down in your bed THE.FASTEST.WAY.POSSIBLE. so tap your Grab or Uber app. If you live close enough, think twice before booking because you can save up to 120 pesos a day if you walk and you will at the side, shed some pounds.

3. Brew your coffee.
Whether you brew your coffee at home and bring it to work or you bring your own coffee maker at work (I have seen this), it is much more practical than buying at the coffee shops.

4. Avoid going to the mall.
Those clothes, bags, shoes, techie stuffs calling out to you... need I say more? Additionally, avoid going to an e-mall. And by that I mean, online shopping stores. Who needs a voucher to a buffet that will be forgotten and eventually expire anyway?

5. Magnify.

120 pesos a day for a cab ride is a small thing but, that's 3,600 in a month, 43,200 in a year. You could already buy a decent smart phone with that. Think about this for that small amount you spend everyday or on a regular basis, it is lifestyle-changing.










UPDATE:
6. Use your credit card  to earn money.
If you have a reward or cash back credit card, the company will give you points or rebates when you purchase using their card. So what I realized is that, credit card is not bad if you use it to your advantage. Say use your credit card to pay your bills. These are expenses that you really pay monthly, so why not use your credit card to do that. But be sure to pay it immediately. More on that here.

For any additional tips, please feel free to comment! :)

How To Open A COL Financial Account? (For Beginners)

Stocks are not just for the rich people but you can be one of the rich people if you invest in stocks.
To invest in stocks, you must first open an account in a stock broker platform like COL Financial. There are two ways in which you can open an account in COL - 1) going to their office 2) mailing them the requirements thru LBC.

Going to their office:

Step 1: Fill out their registration form. This is downloadable at their site or available at their office. I suggest you just download, print, and fill it up to save time.

Step 2: Photocopy a government ID.

Step 3: Go to their office at Ortigas.



Step 4. Submit the requirements, wait for a few (and I really mean a few!) minutes and an email will be sent to you containing your account number.

Step 5: Done. You are now ready to fund your account.


Mailing them the requirements

Follow Steps 1-2

Step 3. Mail them the requirements thru LBC.

Step 4. They will contact you for a Skype meeting to verify your credentials.

Step 5: Wait for their email containing your account number.

Step 6: Done. You are now ready to fund your account.

For any questions, please feel free to comment! :)

How To Enroll Citibank Credit Card To BPI Express Online?

Ever wondered how you can pay your Citibank credit card other than going the bank itself and pay over the counter? With limited branches of Citibank in the metro, it is a struggle to go the physical bank to not miss your payment due date.

Fortunately, Citibank has a number of local banks (BDO, BPI, Metrobank) as partners here in the Philippines. You can see different ways of paying your card in the Citibank website.

Experience the convenience of paying your Citibank credit card online through a third party online bank by following these steps:

Step 1. Unlike the usual enrollment of a merchant in BPI Express Online, you must go to the nearest branch of BPI and request for an enrollment form. It is not necessary to fall in line and get a number, just ask in the account opening section for the form.

Step 2. Fill up the form with your BPI account number, card number, name, and type of card.

Step 3. Submit the form at any branch in the account opening section again.

Step 4. Wait for 24 hourrs, then you should now see your card as a merchant in the 'Bills Payment' section of BPI Online.

For any questions, please feel free to comment. :)