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The holidays are over!
After all the huff and puff with all the meal preps and reunions, you definitely need to sit back and take a breather.
But don’t forget to check your finances in the aftermath of our holiday spending. 
This is the best time to do so, considering that it’s the beginning of the year and it sets your budget for the rest of the year. 
So here are 5 things that you definitely need to do for your Financial Check. 
 
#1. CHECK ACCOUNT TRANSACTION HISTORY
This is one important step after any major holiday. 
Why?
Online phishing and scams can be very creative and they always ride on the festive season to get to your finances. 
Check your transaction history from November to December 2021 to make sure that all transactions are correct and nothing is out of place. 
If you find anything suspicious in your transactions, or you’re just not sure, call your bank as soon as possible and make clarifications. Report any suspicious activities as soon as possible. 
 
ALSO READ: <a href="https://unapay.com.ph/blog/online-shopping-scams-2021-what-are-they-and-how-do-we-avoid-them">Online Shopping Scams 2021. What are they and how do we avoid them? </a> 
 
#2. REVIEW LOAN REPAYMENT SCHEDULES
If you took out a loan during the holidays, be mindful of your repayment schedules so you adjust your budget accordingly and avoid late charges. 
 
#3. CHECK YOUR SAVINGS AND EMERGENCY FUNDS
This is an important step, especially after the holiday season. 
Check how much you still have left in your accounts if you touched your savings and your emergency funds during the holiday splurge.
This way, you can determine how much you need to set aside monthly to replenish your savings and emergency funds. 
You would also be able to know how long you need to do this and how much income you need to make to realistically achieve your savings and emergency funds goals. 
Make sure that all withdrawals and cash-ins are accounted for. If there’s anything out of the ordinary, contact your bank immediately. 
 
#4. CHECK YOUR MONTHLY BUDGET
Once you’ve determined your savings goals and what you need to repay (in terms of loan), you can now include your regular monthly expenses like food, utilities, and other bills. 
Kaya pa ba??? 
 
ALSO READ: <a href="https://unapay.com.ph/blog/5-useful-tips-to-stretch-your-budget-this-pandemic">5 USEFUL TIPS TO STRETCH YOUR BUDGET THIS PANDEMIC </a> 
 
#5. REVIEW YOUR INCOME
Don’t panic, we&#39;ve all been there.
Sometimes, you realize that what you make on a monthly basis is just not enough to cover the basics, let alone things you want to reward yourself for hard work. 
So it’s time to take a closer look at how much you earn monthly, if it’s enough and what other options you have to increase income from different sources. 
 
How would UnaPay Salary Loan help you?
If you have more debt than your income, you may want to consider debt consolidation where you take a loan to cover all your debts and choose payment options that would be lighter on your monthly budget. 
UnaPay Salary Loans allows employees of our partner companies to borrow up to 100,000php payable in easy and hassle-free 12 installments.
Interested? <a href="https://bit.ly/3E5CmtL">Drop your HR’s contact details so we can offer Salary Loans to your company</a>
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Now that the holidays are over, here are some reminders on how you should check your finances after major splurges. From credit card checks to income reviews, this checklist covers the basic financial check-up you need after a big holiday.

Financial Checklist: What to do in 2022

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Shopping doesn’t mean that you’re burning through your monthly salary and annual savings. But saving money also doesn’t mean keeping clothes and shoes full of holes. Believe it or not, there are tips and tricks when you want to save money, while shopping for items that make you happy. 
 
ALSO READ: <a href="https://unapay.com.ph/blog/why-do-we-shop-online">Why Do We Shop Online?</a>
<img src="https://unapay.com.ph/uploads/Una_Pay_Blogs_Banners_5_ways_to_save_while_shopping_b_5dcc7ed149.png" alt="UnaPay-Blogs_Banners_5-ways-to-save-while-shopping_b.png"> 
 
Here are 5 tips that can help you save money while online shopping! 
 
1. Have a list and a budget ready
Before you go to the mall or to your favorite shopping app, you have to list down the things that you really need and set a budget for yourself. 
That way, you won’t find yourself overspending on every purchase. 
 
ALSO READ: <a href="https://unapay.com.ph/blog/Paano-magplano-ng-budget-para-sa-Pasko%3F">Paano gumawa ng holiday budget?</a> 
 
2. Compare prices, brands, and stores
By comparing items, you can get a bargain and discover better alternatives at the same time. 
Who knows, maybe it’s cheaper to acquire a different brand of your favorite coffee from a different grocery store or online shop. 
At the same time, it’s not always cheaper to buy items from a physical store; the same can be said if you like to shop online. 
If the price of the item that you’re looking for is cheaper online than in a physical store (even after accounting for shipping costs), then safe to say you can consider shopping online a better deal. 
 
3. Be on the lookout for sales online
Develop your detective skills through diligently looking for sales or discounts! Take advantage of payday or end-of-season sales being offered by numerous stores.
4. Substitute expensive items
You shouldn’t have to dip too much into your savings or even go into debt just because you want something that happens to be expensive. 
If there is a cheaper option that will give you the same if not more value than your original choice, consider going for the cheaper one. 
 
5. Utilize buy now, pay later offers
Buy now, pay later (BNPL) schemes are low-interest ways for you to get your essentials or dream purchases in smaller and easier payments. 
This is especially useful during petsa de peligro where you’re just waiting for the next payday while praying that everything else will be alright. 
Choose a BNPL provider with the lowest interest rates, flexible terms of loan and payments, and wide selection of merchants. 
 
ALSO READ: <a href="lhttps://unapay.com.ph/blog/buy-now%2C-pay-later%3A-truth-behind-installment-loans">The Truth Behind BNPL </a> 
 
UnaCash Credit Line is one of the best ways to buy now, pay later with our partner merchants at up to 0% interest rate. You only need 1 valid ID and proof of income to start your application! 
 
How to Apply: 
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<a href="https://unacash.onelink.me/tNQS/87f3fcd2">DOWNLOAD THE UNACASH APP HERE!</a>

Online shopping is not necessarily a bad thing. Believe it or not, you can still save money while online shopping! 

5 ways to save while online shopping

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You filled out the application form, submitted the required supporting documents, and waited anxiously for the loan provider to accept your salary loan application. 
 
You open your email or get a text message. “Congratulations! Your application has been approved!” 
 
Being approved for a salary loan can make you feel both relieved and overwhelmed. After all, you now have the financial resources (however limited) to partially or completely solve your monetary issues. But before you dive in, here are some tips that can help you make the most out of your salary loan. 
 
1. Set a budget with your Salary Loan 
Now that your salary loan application has been approved and the amount reimbursed to your e-wallet or bank account, it’s time to sort out and budget your most important expenses.
Write down your expenses on a sheet of paper, indicate the loan amount that you were granted, and allocate enough amount per expense. Setting a budget and sticking with it helps you develop discipline over your money, more so if it’s a loan. 
 
ALSO READ: <a href="https://unapay.com.ph/blog/Paano-magplano-ng-budget-para-sa-Pasko%3F">Paano magplano ng Christmas Budget?</a> 
 
2. Use it for your necessities
After figuring out your budget, prioritize immediate and necessary expenses before leisurely wants. 
This way, you can deal with major issues at the onset and deal with less important expenses if you have a spare. 
 
ALSO READ: <a href="https://unapay.com.ph/blog/financial-new-year-resolution">Financial New Year’s Resolutions 2021</a> 
 
3. Take note of your due dates
It’s understandable to spend your loan on emergencies and unexpected or necessary purchases, but loans are still obligations that you have to repay. If you don’t want to incur penalty fees, set reminders for your loan repayment dates.
Which brings us to item number four… 
 
ALSO READ: <a href="https://unapay.com.ph/blog/what-is-unapay-salary-loans">What is UnaPay Salary Loans? </a> 
 
4. Take note of the interest rate and other charges
Interest rates can be quite a pain when it comes to repaying your loans. 
On top of that, penalty fees can quickly pile up if you habitually or accidentally skip a repayment deadline. 
If you don’t want these charges to eat away at your wallet, always keep your agreed loan terms in mind and avoid doing anything that can incur penalties or other charges. 
 
ALSO READ: <a href="https://unapay.com.ph/blog/financial-horror-story">5 Financial Horror Stories</a> 
 
Let UnaPay be your partner in times of happiness and emergencies! 
 
With UnaPay Salary Loans, you do not need to worry about not having enough funds, especially when you need it the most. Aside from quick financial relief, UnaPay also provides perks such as financial and health wellness seminars for partner companies and their employees. 
 
<a href="https://unapay.com.ph/business">Be an UnaPay partner company now! </a>
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Great news! Your application for a loan has been approved! But how do you make the most out of your Salary Loan? How do you make sure you cover the most pressing financial issues first before your Salary Loan runs out? 

Make Your Salary Loan Last Longer

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Malamig na ulit ang simoy ng hangin, nag-iilawan na muli ang mga parol at naglalabasan na ang mga magka-carolling. Papalapit na ang Pasko, pero handa na ba ang budget mo? 
 
<img src="https://unapay.com.ph/uploads/Pano_gumawa_ng_christmas_budget_2_db18312c0a.jpg" alt="Pano-gumawa-ng-christmas-budget-2.jpg"> 
 
Kung hindi mo pa inihahanda ang budget mo ngayong Pasko, nandito kami para tulungan kang ayusin ang iyong budget para sa mas masaya at abot-kayang selebrasyon! 
 
1. Maglaan ng budget para sa iyong Christmas Shopping
Aminin na natin, masarap at madaling gumastos kapag Pasko at kaliwa’t kanan ang mga handaan. Pero mahirap din isipin kung magkano ang kailangang gastusin, at kung sapat o kulang ba ang inyong sweldo or kita.
Bago mag-add to cart at checkout (online man o sa mall at palengke!), siguraduhin muna na nailatag na ang lahat ng kailangang bilhin at kung magkano ang nakalaang pera para sa mga ito. 
Tingnan ang inyong kita at mula doon, kalkulahin kung magkano ang pwede mong ilaan sa pagkain, mga regalo, mga dekorasyon, at kung ano pang kailangang bilhin para sa Pasko. 
Sa ganitong paraan, hindi ka magkukulang sa pera at pwedeng magkaroon ka pa ng extra budget para sa Bagong Taon! 
 
2. Mag-focus sa mga pinakaimportanteng gastusin
Para maiwasang ma-distract sa inyong budget at gumastos ng wala sa plano at panahon, ilista muna kung ano ang mga pinakaimportanteng dapat bilhin at kung magkano ang nakalaan para dito. 
Halimbawa, kung maghahanda para sa Pasko at Bagong Taon, maiging unahin ang mga sangkap sa pagkain, utensils, at i-deprioritize ang mga dekorasyon. 
Kung kailangan ng magregalo, gumawa ng listahan kung sino-sino ang mga bibigyan at kung magkano ang nakalaan para sa kanilang mga regalo. 
 
3. Sundin ang inyong Christmas list at itala ang bawat gastos
Nandyan ang iyong Christmas list para tulungan kang i-prioritize ang mga mas importanteng gastusin, at nararapat lang na sundin ito! 
Makakatulong ang paglista upang hindi ma-distract o maaliw basta-basta sa inyong shopping spree. Makakatulong din ito upang hindi lumobo ang inyong gastos. Nakapag-shopping ka na, nagkaroon ka pa ng disiplina sa iyong paggastos!
Dagdag pa rito, mangyaring i-check ang inyong listahan para makita kung ano na ang mga nabili na at ano pa ang kailangan pang bilhin. Sa ganitong paraan, maiiwasan natin ang pagbili ng mga hindi gaanong kailangan at madoble ang gastos sa mga kinakailangan pang bilhin. 
 
Importante ang pagkakaroon ng budget para sa Pasko at kahit anong okasyon. 
 
Makakatulong ito para ma-prioritize kung ano man ang mga kailangan bilhin at maiiwasan din ang paggastos ng wala sa tamang panahon. Pero meron at meron paring pagkakataon minsan kung saan kahit anong budget at plano ang iyong gawin, kinakapos parin minsan ang budget pang Pasko. 
 
Para tuloy ang saya ng inyong Pasko, nandito ang UnaCash Credit Line para tumulong dagdagan ang inyong budget. 
 
Ang UnaCash Credit Line ay nagbibigay ng mabilis na loan na pwedeng gamiting sa aming partner merchants (hanggang 0% interest!). Maari rin itong i-withdraw as cash para sa kahit anong gastusin at kung kailan mo kailangan. Mas mapapadali din ang inyong pagbabayad dahil sa flexible loan terms na swak sa inyong kakayahang magbayad. 
 
Hindi kailangan maghintay ng matagal para sa loan at hindi kailangan mag-submit ng maraming documents! 
 
I-download na ang <a href="https://bit.ly/3DR7YlR">UnaCash app</a> sa inyong Android phone at mag-loan na para sa masayang Pasko! 
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Bago tayo madala sa saya ng Christmas shopping, tayo'y gumawa ng Christmas budget na swak sa iyong gastusin hanggang Bagong Taon. Di parin sapat ang budget? Mag UnaCash Credit Line for as low as 0% interest sa aming partner merchants!

Paano magplano ng budget para sa Pasko?

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With 2021 almost ending, it’s time to bring out the pen and paper (or your Notes app, whichever you prefer) and list down your resolutions for the coming new year. 
 

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With the financial difficulties brought on by the pandemic, people will surely center their resolutions around money and the things that they should do in order to preserve their wallets.
Want to improve your finances in 2022, but don’t know where to start? 
Don’t worry, we’ve listed down five financial New Year’s Resolutions that can help you achieve a healthier financial future! 
 
1. Save money. 
One perfect way of welcoming the new year is by disciplining yourself to put more money into your savings! It’s a no-brainer: you get to manage your money efficiently while putting some of it aside for your short or long-term goals in the process. 
Whether you’re going for a ten-month or ten-year savings horizon, it pays to maintain a high-interest savings account in a traditional or digital bank that you can easily access or deposit money into. You can set up automatic transfers for easier transactions. 
 
ALSO READ: <a href="https://unapay.com.ph/blog/top-banks-to-get-your-savings-account-in-2021">Top Banks to Get Your Savings Account in 2021</a> 
 
If you’re one of those people who withdraws their savings as much as they deposit, you can set up rules like “I won’t spend every 50 peso bill I touch” or “I will save 100 pesos everyday”. You can also print “52 Week Money Saving Challenge” to keep saving more interesting. 
 
2. Create a budget. Or a plan. 
After setting aside a part of your income on savings, make it a habit to create a weekly or monthly budget. You can follow the 50-20-30 rule or create your own based on your needs and wants. From there, allocate a set amount of money per expense: food, rent/mortgage, transportation, medical costs, utilities, and so on.
Once you’ve sorted out your budget, you can now cut down on unnecessary expenses and use it on your savings, any overdue loans, or investments for your future. 
 
ALSO READ: <a href="https://unapay.com.ph/blog/5-useful-tips-to-stretch-your-budget-this-pandemic">5 USEFUL TIPS TO STRETCH YOUR BUDGET THIS PANDEMIC</a> 
 
If you find it difficult to stick to a restrictive budget, you can ditch the traditional way of budgeting and create a spending plan instead. The end result is the same a budget sans the restrictive rules.
You can start by determining how much income you get in a month (from your full-time job to your little side hustles) and identifying the top categories you should spend on such as housing, utilities, groceries, etc. 
After you set aside a certain amount on these categories, you can decide on the miscellaneous categories you want to spend your remaining funds, such as entertainment, dates, etc. 
 
3. Pay off debts
We get it— applying and being approved for a loan or a credit card can give you an additional financial lifeline when you need it. 
But don’t be fooled: loans and credit cards are still obligations that you have to dutifully repay. Racking up too much debt can easily eat away at your income and savings, not to mention the interest and penalty fees that come with every late payment. 
It is very difficult to get out of a debt cycle once you’ve been sucked in.
Start the year right by paying off your debt, starting with high-interest loans. If you’re in a tight crunch, you can approach your bank or private lender for loan restructuring. For credit card debt, you may look into balance transfer cards which can help you save money on interest charges.
Paying off your debt will also improve your credit standing! Being a good payer gives banks and other financial institutions the confidence to grant your future loan applications. 
Other ways to boost your credit standing include paying your bills on time, lowering your credit utilization ratio, and refraining from applying for new loans too often. 
 

4. Increase your income
There’s no shame in admitting that you may not be earning enough for the work you put in. It’s perfectly valid to ask for a raise or look for other income sources if you’re being shortchanged, or wanting to start a side hustle to supplement your 9-to-5. 
This 2022, you can negotiate for a salary increase or look for a bigger paycheck if you think you deserve it. You can look into freelance opportunities or start a small business to increase your income, or passive income opportunities if you’re already too occupied. After all, it helps to save or invest more if you’re earning more. 
 
ALSO READ: <a href="https://unapay.com.ph/blog/how-unapay-salary-loan-help-employees">How UnaPay Salary Loan&#39;s lending hand impacts our partners</a> 
 

5. Investments and retirement planning
Once you’ve saved enough money, sorted out your debt, and got that much-deserved pay raise, you can now dip your toes into investments and retirement planning, depending on your own time horizon. 
For example, exchange-traded funds (ETFs), real estate investment trusts (REITs), and PAGIBIG MP2 can yield high returns even in a short amount of time. Even owning a few real estate properties can be a good investment, especially if they are in high-value locations.
You can also avail of insurance policies to safeguard your loved ones in case of death, accidents or health emergencies. 
In terms of retirement, you can trust government pension funds, the Personal Equity Retirement Account (PERA), and financial funds from banks and other financial institutions to help you and your loved ones live comfortably after retirement.
These are just some of the resolutions that you can do in order to boost your finances this coming 2022. Do you agree with our list? Share your strategies in the comments section!
We wish you a very happy and prosperous New Year! 
 

 

Short on funds to celebrate the holidays? 
 
Be a partner company now and start offering UnaPay Salary Loans to your employees this holiday season! Drop your contact details <a href="https://bit.ly/3qOkqQr">here</a> and we’ll set up a meeting! 
ALSO READ: <a href="https://unapay.com.ph/blog/salary-loans-as-christmas-treat-to-employees">Salary Loans | A Christmas Treat to Your Employees</a> 
 
Wondering if this is the right option for your company? We have <a href="https://unapay.com.ph/blog/what-should-you-look-for-in-a-salary-loan-partner">everything you should look for in a salary loan partner</a>. We’ve also listed down the steps and benefits and everything you need to know about Salary Loans in this article: <a href="https://unapay.com.ph/blog/how-to-be-a-partner-company">How to be an UnaPay Partner Company</a>?
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Financial New Year’s Resolutions 2022

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 This year, most Filipino families are looking forward to better celebrations and have a semblance of normalcy while celebrating a “true Filipino Christmas”. With lower safety protocols and higher vaccination rate, this may well be our very first opportunity to meet family members, exchange gifts, and be merry since the pandemic began.
Christmas 2020 was the first major Philippine Holiday we spent in the pandemic with strict health protocols. It was also the first major Philippine holiday where the majority of Filipinos spent in mourning over their loved ones who passed during the first wave of Covid-19.
But some are still reluctant to put up decorations and feel the merriness of the season because “gastos na naman yan.” It can’t be denied that it may be more difficult to spend on decorations and Noche Buena due to an increase in the price of basic necessities. 
 
Salary Loans as Christmas Treat for Employees
UnaPay Salary Loans is here to help you encourage your employees to spend the holidays with friends and family, hassle-free! 
 
Why Salary Loans?
It is totally free for the company! Business owners and top executives can forget about charges or integration fees. The company will not be accountable as well, if the employee leaves while they have outstanding loans. 
UnaPay Salary Loans is easy to integrate and requires minimal HR work. 
Employees can borrow up to 100,000php with low interest rates with flexible loan terms of up to 12 months. Once approved, employees would receive their loan within 24 hours. 
No required number of contributions, less paperwork, and only 3 requirements needed (company ID, valid government ID, and an accomplished application form). The best part? It can be completed online! 
 
How to be a partner company?


Set a meeting with us so our friendly team can discuss and elaborate on the features and benefits of UnaPay Salary Loans. Head over to our <a href="https://bit.ly/3E5CmtL">website</a>, leave your contact details, and we’ll do the rest! 
 
How do employees apply?
We offer automated and manual options, depending on what our partners want and need. 
The employee just needs to submit a 1) completed application form, 2) photo or copy of company ID, and 3) photo or copy of any valid government ID (for the complete list of accepted IDs, check them <a href="https://unapay.com.ph/faq/how-to-apply-for-loans-in-unapay-unapayloans/official-id-unapay">here</a>). 
Once the employee submits their application, the company HR will verify the information the employee submitted and endorse it to UnaPay Salary Loans. 
The employee will receive a call from the UnaPay Salary Loans verification team who will check the information. This can be finished in under 5 minutes! 
Once the loan is approved, the employee will receive SMS and email notifications about the approval. All the employee has to do is accept the loan terms and conditions and within 24 hours, the loan amount will be disbursed to their account. 
It’s that easy! 
 
BE A PARTNER TODAY!
Head over to our <a href="https://bit.ly/3E5CmtL">website</a>, leave your contact details, and we’ll do the rest! 
 

ALSO READ:
<a href="https://unapay.com.ph/blog/what-is-unapay-salary-loans">What is UnaPay Salary Loans?</a>
<a href="https://unapay.com.ph/blog/everything-you-need-to-know-about-salary-loans">Everything you need to know about salary loans</a>
<a href="https://unapay.com.ph/blog/what-should-you-look-for-in-a-salary-loan-partner">What should you look for in a salary loan partner?</a>
<a href="https://unapay.com.ph/blog/how-unapay-salary-loan-help-employees">How UnaPay Salary Loan&#39;s lending hand impacts our partners</a>
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Make Christmas 2021 more merry and happy for your employees with UnaPay Salary Loans. 

Salary Loans | A Christmas Treat to Your Employees

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Sa bawat loan, importanteng alamin kung paano ito babayaran at ano ang mga opisyal na channels kung saan maaring magbayad ng ligtas at sigurado.  Here's how to pay loans online with UnaPay

How to pay UnaPay Salary Loans Online

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What is UnaPay Salary Loans? And how is it different from other salary loans? What are the benefits? Where can employees use it? Here's a short video that answers it all. 

What is UnaPay Salary Loans?

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The holidays are almost here! People are more than excited to flock to malls to do their holiday shopping – if they haven’t done so online. And with the surge of shoppers comes the rise in usage of shopping loans.
Shopping loans allow for a convenient way to pay for purchases in installments. Shoppers don’t need to worry about making a one-time, big-time expense; with a shopping loan, they can make their payments more manageable.
Here are some reasons why shopping loans are so popular.
<h2 id="1-it-helps-spread-out-expenses-for-easier-payments">1. It helps spread out expenses for easier payments</h2>
A shopping loan can be helpful if you have to make a purchase that goes beyond your current budget. With the expense being spread out over a certain period of time, you and your wallet will be able to handle the shock of a big purchase.
<h2 id="2-it-can-be-helpful-in-financing-urgent-purchases">2. It can be helpful in financing urgent purchases</h2>
At the same time, a shopping loan can be vital when it comes to emergencies. You don’t have to pool a certain amount of money in the face of an urgent purchase. 
<h2 id="3-it-has-flexible-loan-terms">3. It has flexible loan terms</h2>
Like other loans, shopping loans offer flexible installment options, interest rates, loanable amounts, and loan durations.
<h2 id="4-we-all-have-needs----and-wants">4. We all have needs -- and wants</h2>
Admittedly, we all have our own needs and wants that require us to spend our money. Unfortunately, there are times when we come up short of funds, hence the need for shopping loans to cover the costs. 
If you’re looking for a quick shopping loan with flexible terms, UnaPay has your back! With UnaPay Lazada Loans, you can avail of a shopping loan worth up to P50,000 with loan terms of up to six months and a 5% interest rate. What’s more, your monthly installment is divided into two dates, so you don’t have the burden of paying all at once.
You can get approved within five minutes, and you only need to submit a valid ID and a proof of income. 
Activate your Lazada wallets and <a href="https://unapay.com.ph/lazada_loan">apply for an UnaPay Lazada Loan now!</a>

Shopping loans spread out expenses for easier payments, which is helpful especially in urgent purchases. They also have flexible terms, which allow people to buy what they need and want.

Why shopping loans are so popular

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White ladies. Kapre. Aswang. These characters are common ingredients in your average Filipino horror story. 
But there are far scarier stories than mythical creatures and apparitions. Here are our top picks of financial horror stories that we definitely want to avoid at all cost. 
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5. Business Gone Wrong
Recently, there have been enticing offers of small capital businesses online and some of them are actually legitimate. 
The problem is, some of them are not and people are scammed into investing their hard-earned money in non-existent businesses. The modus operandi begins with an offer to invest a relatively small amount of money (P5,000 or so). Then victims would experience returns for the first couple of months and they will be pushed to invest more. As they already experienced returns, unsuspecting victims wouldn’t think twice to increase their initial investment. Once the investment increases, that is when the supposed investment will fall through. 
*“Christian saw an ad for a low capital investment on social media and decided to give it a try. The business was advertised as raising free-range ducks in some rural parts of the country. He thought that P2,000 initial investment wouldn’t hurt so much, so he went ahead and invested. After some time, he received almost P15,000 return on his investment. His contact urged him to invest P20,000 more to get at least P100,000 in returns. Christian excitedly agreed. *
Then his contact disappeared.”
**TIP: Though it is only natural to lose some money when investing, always choose an investment that provides a safety net to you as an investor or at least choose one that has low impact if you lose. If you&#39;ve already fallen victim to these scams, you can reach out to various government agencies and file a file such as the <a href="https://cicc.gov.ph/filing-a-complaint/submit-a-cyber-complaint/">National Bureau of Investigation Cyber Crime Unit</a>, <a href="https://www.dof.gov.ph/anti-fraud/">Department of Finance Anti-Fraud Unit</a>, etc. **
READ: <a href="lhttps://unapay.com.ph/blog/online-shopping-scams-2021-what-are-they-and-how-do-we-avoid-them">Online Shopping Scams 2021. What are they and how do we avoid them?</a>
4. The Vanishing Payments/Products
Have you ever found an item online that you wanted so badly, you just pay for the items upfront? Then after a while, the seller of the product just ceases to exist?
Yes, it is a thing, and yes, it happens to even the most careful people. The problem with these online selling scams is that they package their stores and their products in a way that imitates legitimate sellers and makes it hard for consumers to differentiate what’s real and what’s not. 
“Ron needed to buy a second hand laptop for online classes but due to the pandemic, he had to rely on online sellers. The seller requested a downpayment of P5,000 before sending the items. Ron, thinking that since it’s only a small fraction of the actual cost of P20,000, thought it was ok and sent the money. After several days, Ron did not hear from the seller again. Though he has reported the incident, he may not be able to get back his money.”
**TIP: The reviews are always telling. Always check whether the seller or the items themselves are legit based on the reviews of previous customers. Also check whether customers of an online selling platform are protected from fraudulent sellers (e.g. return/refund policies, report sellers options, etc.) and substandard items. **
3. The Budget Massacre
Having a budget and actually following it is a good move. Not setting aside emergency funds is a bad move. 
No matter how much we plan our budget, there would always be some emergency that would need a large amount of money that you are unprepared for. 
“Mary broke her tooth while eating a sandwich, and upon checking, the tooth was already hollow inside. She had to make a choice: get a permanent tooth replacement or leave a gap in her smile. She opted to have the tooth removed and replaced which cost her a total of P16,350. Suffice to say, it broke her budget for the next 3 months.”
**TIP: When creating your monthly budget, set aside a portion for emergencies. Regardless of whether you use it sooner or later, always set aside a budget for unforeseen events. Let it grow until such time you need it. Set instances where it can be used like hospital bills, maintenance medication, etc. Don’t include special occasions like Christmas or birthdays, otherwise your emergency budget will be depleted even before an actual emergency occurs. **
2. The Curse of the Fine Print
Nobody reads the fine print.
Well, we should definitely start reading the fine details of the terms and conditions of any agreement before we put our signatures on the pieces of papers. In many cases, especially when it comes to life insurance and funeral plans, we start feeling safe and relaxed once we finish paying for them. Until such time we’re meant to use them. 
During the pandemic, it was hard enough to deal with the loss of a loved one. What’s even harder is finding out that the insurance or funeral plans we worked so hard to pay over the years can only cover so little of the actual cost (e.g. “I thought it was supposed to cover this much and such?”) and finding out that terms and conditions changed a month or years before. 
“Jenny lost her grandfather in May 2021 due to health complications brought about by old age. As they were preparing to have her grandfather’s remains transferred from the hospital to the funeral home, her family was horrified to find out that the memorial plan her grandfather paid for so many years will not cover even half of the funeral costs due to bankruptcy. Jenny checked the plan provider online and found out that thousands of plan holders shared the same problems, some even dealing with the company for over 10 years. ‘If we have known earlier, we would have planned and cut our losses’.”
**TIP: Do a background check on the provider. Are they legitimate? What do people say about them? Are they doing alright financially? At any indication, or even a gut feel, that something is not right, contact your agent and discuss your options immediately. Take the deal that would best benefit you and balance the cost of your annual payments. **
1. The House of Horrors
Buying a house or any form of real estate is not easy. Most of the time it takes most, if not all, of our life’s savings. And it can be exciting to move in for the first time. It’s a dream come true!
Until you realize that the house you got for a cheap price comes with so many hidden horrors that instead of saving, you end up spending more. In most cases, it usually involves the developer’s use of substandard materials in the foundation of the house itself. 
It can be brickwork that was hastily and haphazardly done that cracks and falls after a really wet and cold season. Or it can be woodwork that skipped treatment and waterproofing, leading to termites eating through your house after a year or doors continuously jamming as it expanded while absorbing moisture over time. 
“After living in her dream home for a year, Sheila realized that the house that cost her entire life savings is breaking down, despite being newly built. The wood flooring of the second floor was almost 100% eaten up by termites, the chrome fixtures have rusted, and the walls were starting to show cracks. She later found that the entire subdivision she’s living in was built on substandard materials.”
**TIP: Before buying a house, closely inspect the foundation, woodwork, fixtures, and other things in the house. You can also ask an expert opinion on what type of finishing should furniture, fixtures, and other items in the house should have depending on the climate, temperature, and location of the house. Do a little bit of research on what types last longer so you can save more in the long run. **
Names used in this story are false to protect the identity of the people involved. 
Yikes! Hopefully, we don’t get to experience these incidents but it still doesn’t hurt to be more careful and vigilant. 
Pero nakakatakot parin ang makapos bago pa man dumating ang sahod!
Offer UnaPay Salary Loans to your employees to help them make it through their financial horrors. <a href="https://unapay.com.ph/business/company?utm_source=linkedin&amp;utm_medium=linkedin_organic_SL&amp;utm_campaign=linkedin_organic_SL_save">Be a partner company today!</a>
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White ladies, manananggal, aswang. These are all too familiar figures in every horror story. But what about financial horror stories? Here are 5 financial horror stories that would keep you awake at night!

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