Alyssa Divina
Alyssa Divina pens blog articles about a wide range of topics, such as money matters and government transactions in the Philippines.
Prior to joining Digido Finance Corp., she served as a journalist for Charlton Media Group, a business news magazine, for two years.
She holds a degree in Journalism from the University of the Philippines Diliman.
Author posts
June 7, 2023
Being a solo parent does not have to be difficult. Even if you’re raising your child without a spouse or partner, your family resources should not be limited. You can find support in other family members, friends or in your community. In...
May 31, 2023
Obtaining a Senior Citizen's ID Card is indeed crucial for individuals who qualify as senior citizens. In the Philippines, the importance of this identification card stems from the provisions outlined in Republic Act No. 9994, also known as the...
May 26, 2023
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What is DOLE: What are the...
May 25, 2023
Technically speaking, there are no more social classes in the Philippines. Social segregation was abolished when the Americans took over the country after the Spanish-American war. Today, the term “social class” refers to the income bracket...
May 23, 2023
The government recognizes the importance of caring for people with disabilities (PWDs) and has developed a special program to support PWDs in society. PWDs are given social protection for them to enjoy equal rights with the rest of the...
May 18, 2023
Fathers in the Philippines have a right to get a leave of absence from work at a time when they are having children. But how many days can you have, and what are your rights as a father?
In this article, we will talk about things like “what...
May 16, 2023
The National Police Clearance is an important document to prove that you have no cases or derogatory records in the entire country. It is different from the local police clearance. The local police clearance only clears you from the perspective...
May 10, 2023
If you are a freelancer, you must pay and get your occupational tax receipt or OTR, as it is an important document to prove that you paid your taxes.
The occupational tax receipt is like a professional tax receipt, or PTR. However, the PTR is...
April 28, 2023
Loan Apps is giving customers unprecedented access to borrowing money in the Philippines. Its increasing popularity has proven that more Filipinos are preferring to avail of a loan just by using a smartphone and opening an App. The Philippines...
April 25, 2023
The Pag-IBIG Loyalty Card is a rewards program launched by the Home Development Mutual Fund, also known as the Pag-IBIG Fund. It aims to provide additional benefits to members and encourage them to save and invest more through the Fund.
The...
April 24, 2023
Do you want to borrow money and use your house as collateral? After all, a house is one of the most important assets you can have, and it has a value that you can offer to loaners. Before you apply for a loan, it just makes sense to understand...
April 21, 2023
Do you find it challenging to manage numerous debts and make monthly payments on time? A debt consolidation loan in the Philippines may be the answer you need to streamline your finances and regain control. A single loan can streamline your...
April 19, 2023
The Department of Labor and Employment (DOLE)(1) is the Philippine government agency responsible for promoting the welfare of workers, job creation, and maintaining industrial peace. DOLE serves as the primary policy-making and coordinating...
April 18, 2023
The Philippines is a country that protects its employees. As such, those who work in legit companies can expect to get paid properly. Today, we will show you how to calculate overtime pay in the Philippines, so you know if you are earning...
April 17, 2023
Alam mo ba na pwede kang umutang ng wala kang trabaho? Karamihan sa mga tao ay nag-iisip na maaari lamang silang humiram ng pera kung mayroon silang trabaho; karamihan sa mga kumpanya ay humihingi ng kanilang patunay na sila ay may suweldo.
Ang...
April 14, 2023
Are you in need of a new laptop but struggling to come up with the cash to purchase one? Fortunately, there are several options for obtaining a laptop loan in the Philippines.
Whether you’re a student, freelancer, or small business owner,...
April 13, 2023
As a professional in the Philippines, you are required to pay a special kind of tax known as the professional tax receipt (PTR) to ensure compliance with the country's tax laws. This tax is applicable to various professions, including doctors,...
March 29, 2023
What is Personal Loan No Requirements
It is commonly known that many borrowers in the Philippines do not qualify for traditional loans because they cannot provide the required documentation. Typically, when applying for a loan, there are certain...
March 27, 2023
Are you worried about your finances or looking to grow your finances during an economic standstill, consider investing in Variable Universal Life (VUL) insurance. VUL insurance is a great option for those who want to make a profitable investment...
March 22, 2023
Whether you are buying an appliance for the first time or replacing an old one, finding good options that are within your budget can be difficult. And even if you find one that satisfies your needs and preferences, it may not be...
March 17, 2023
Do you consider yourself a middle-class earner or citizen? What is the middle class in the Philippines? According to the Philippine Statistics Authority, a middle-income person is one who earns between ₱18,000 to ₱109,200 per month (1)....
March 15, 2023
Wants to build a dream house, but doesn’t have enough cash?
Fret not, because nowadays, it is possible for you to start building your dream home or project without worrying about your finances. Wondering how? Read on and you’ll find the...
March 10, 2023
Saving money is a difficult thing to do. You need strict discipline to be able to do this. The good news is that Filipinos found an ingenious way to save money without the need for a bank. All it takes is a group of like-minded people to support...
February 28, 2023
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If you're considering a career as a flight attendant in the Philippines, one of the most important factors to consider is your potential salary. Flight attendants play a crucial role in ensuring the safety and comfort of airline...
February 26, 2023
The average salary of a freelancer in the Philippines (1) is ₱24,000. It is too small, and freelancing has hidden costs, such as taxes, computer maintenance, internet, etc.
Freelancer's income is not stable. Because of this, it is not...
February 22, 2023
A home renovation is one of the only investments that can improve the quality of life in your living space and increase the value of your home in the future. Renovating can boost the return on investment (ROI)(1) of a house. Some homeowners want...
February 21, 2023
Electricity is becoming more and more expensive in the Philippines. It is concerning, considering that for the same consumption of power, you now have to pay almost double the price. As a hot country, we need air-conditioning systems and...
February 15, 2023
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Most In-Demand Jobs...
January 20, 2023
What are the in demand jobs in the Philippines?
The Philippines is a country of smart and hard-working people. The economy is growing, and it is high time you know which jobs have a high demand. This way, you can make the right decision about...
January 9, 2023
: What is?
Loan in 15 minutes is a short-term form of borrowing that provides a fast decision and a quick payout. When your available cash is low, and your source of cash will take several days to come, applying for loans...
December 16, 2022
If you wish to order an item but lack the means to do that, there’s no need to give up the idea. Go with a Buy Now Pay Later (BNPL) option.
One of the main advantages of BNPL is that consumers do not need to pay the full amount upfront to...
November 15, 2022
Employees are always on the lookout for higher compensation to fight inflation and keep up with the rising cost of living. Whether you are a fresh graduate or employed but looking for greener pastures, it is important to know how much a job...
November 11, 2022
Death is just as important as birth. If you have been given a life, it will eventually be taken from you. Death will always come when the time comes. Dying can be expensive and usually, the financial burden lies with the family of the deceased....
September 30, 2022
About Metrobank Philippines
Metrobank, officially known as Metropolitan Bank & Trust Company, is one of the premier banking institutions in the Philippines. It was founded in 1962 and has grown to become a major provider of financial...
September 5, 2022
What is PRC LERIS?
The Professional Regulation Commission (PRC) has made it easier for Filipinos to manage
Through the PRC Licensure Examination and Registration Information System (LERIS), you can register for a PRC ID or license, renew your...
September 1, 2022
The Philippine postal ID is one of the easiest to get here in the country. Due to its relative ease and convenience, many Filipinos line up at post offices and government booths around the country to apply for one.
It is a widely-accepted...
July 25, 2022
What is the SSS Disability Benefit?
The SSS disability benefit is a cash benefit given to SSS members who have a permanent disability, whether partial or total. It can be given as either a monthly pension or a lump sum amount.
To qualify for the...
July 21, 2022
In the Philippines, a police clearance is a document issued by the Philippine National Police (PNP) that certifies that an individual has no criminal or derogatory record based on the police database.
There are two types of PNP clearances: the...
Being a single mom or a single dad can be challenging but rewarding. After all, it has been proven time and time again that single parents can guide their children into being productive members of society even outside the confines of marriage or...
July 4, 2022
A certificate of employment is one of the most important documents that you can have in the Philippines. It gives details about the type of work that you’re doing and for how long you have been doing it. It is a required document by banks and...
July 1, 2022
Having a baby can be a tiring and rewarding experience at the same time. Parents feel a sense of accomplishment every time they see their child hit every milestone in preparation for life. They are prepared to sacrifice everything in order to give...
June 29, 2022
Whether you dream of traveling the world or spending quality time with family, early financial planning ensures you can enjoy your retirement years without financial worries.
While the SSS pension offers a safety net for retirees, the...
June 27, 2022
A cedula or community tax certificate (CTC) is perhaps one of the most important documents that you can get in this country. You can use it as proof of identification, to pay your taxes, and as certification that you have indeed paid your...
June 23, 2022
Death is such a taboo topic in the Philippines that it makes people uncomfortable to even think about it. Nobody likes to think that their lives are going to end at some point, no matter how absolutely certain it is. Another major factor...
June 15, 2022
Established in 1935, the Armed Forces of the Philippines (AFP) are the country’s military force, consisting of the three main branches: the Philippine Army (PA), the Philippine Air Force (PAF), and the Philippine Navy (PN).
As described by its...
June 6, 2022
Nurses in the Philippines are important pillars of the country’s healthcare system. They are frontliners in every sense of the word: they are the first to give aid and care for the sick and injured. Along with other healthcare workers, they work...
June 3, 2022
The Philippine Coast Guard occupies an important role in Philippine society and sovereignty. They patrol our waters, conducting safety operations and protecting our maritime resources. They put their lives on the line just to be able to accomplish...
May 31, 2022
Teachers play a very special and important role in the Philippines. They are tasked with shaping young minds, giving them a solid foundation for future education and work. Since a lot more students attend public schools in the Philippines, public...
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As a country surrounded by large bodies of water, the Philippines needs a strong and capable navy to defend its borders and territories against intrusions coming from the sea. This is where the Philippine Navy comes in. The Navy...
April 29, 2022
It is now very easy and convenient to top up or receive money on your GCash account straight from a bank account. No need to fill out physical forms or go to bank branches anymore! Transactions can be done through bank websites and apps, and they...
April 11, 2022
The Philippine Drug Enforcement Agency is the government body tasked to prevent the entry and spread of dangerous drugs in the country. The PDEA also helps prosecute criminals involved in the drug trade in the country.
The drug trade is dangerous...
PLDT, and a stable Internet connection in general (1), has become an important component of our lives, especially as remote work and schooling became the norm amidst the pandemic.
Being away from our workplaces and schools have required us to be...
April 4, 2022
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The Bureau of Corrections fulfills a heavy responsibility in Philippine society: to ensure that criminal offenders in the country are being reformed and rehabilitated within the walls of its seven prisons and penal farms...
February 8, 2021
Employees in the Philippines have rights. There are laws that state how much an employer should pay his or her employee per day. But how much is the monthly minimum wage in the Philippines 2024?
The minimum wage law in the Philippines does not...
Expert posts
July 3, 2023
If you have unpaid credit card debts in the Philippines, you might be wondering how to deal with them without getting into more trouble.
In this article, you will learn about the Interbank Debt Relief Program (IDRP), or the credit card...
June 28, 2023
There are many questions about the overseas employment certificate. As such, we deemed it best to provide you with accurate and factual data about it. In this article, you will learn the following:
OEC meaning
OEC requirements
OEC...
June 21, 2023
For many businesses around the world, the Philippines remains the top outsourcing destination of choice for customer service. When choosing to work with a call center, the Philippines is often the first country many foreign investors have in...
March 7, 2023
Are you tired of living paycheck to paycheck? Are you looking for a way to increase your income without having to work longer hours? There's a solution that can help you achieve financial freedom: passive income.
Passive income is money...
September 10, 2020
Combination of factors such as economic opportunities, historical ties, and the pursuit of better lives abroad, Filipinos have become one of the most prominent migrant communities across the world. With surveys showing that two out of 10...
April 15, 2019
Online loan is a small loan issued by a financial institution via the Internet. This type of crediting differs from banking in that it is issued quickly, with a greater likelihood of approval and to different segments of the population. Online...