Category Archives for "Freelancing"

Common Online Job Scams and How to Avoid Them

Freelancing

Imagine how frustrating it is when you are looking for work to support you or your family, and you fall victim to scammers. While some home-based workers easily spot scams, how can you, a newbie, avoid falling for these online job scams? What are the signs that a scammer is just out to get your money? Read on if you are looking for home-based jobs in the Philippines and want to avoid falling for scammers.

Types of Online Jobs Scams

Many job boards have sprouted over the years, providing home-based workers an avenue where they can choose which job to apply to from the comforts of their own home. Applying to home-based jobs have become more interesting and convenient than office-based jobs. At the same time, scammers have seen this as a way to deceive unknowing people and rob them of their money.

The types of online job scams depend on the purpose of the scammers. Some want to get your cash, some want to get personal details for identity theft, and some want you to pay for goods or services. You will see these fake job postings on job boards and forums such as Craigslist, onlinejobs.ph, Facebook and Upwork, among others. Be smart enough to be aware of which online job scams to avoid. Avoid falling for these work from home online job frauds by making sure to check the legitimacy of the job offer and the person offering the job before applying.

What are the warning signs that a particular job post is a scam? Here are some:

  • You are asked to purchase goods or services before being hired or as a requisite to being hired.
  • You are asked to make a “one-time” payment or fee in exchange for being hired.
  • You are asked to provide personal details that legit clients would never ask from you, such as a photo of your passport, Social Security number, driver’s license number, and credit card information.
  • You are asked to pay for training.
  • You are asked to download a software or to receive money to pay to a third party.
  • You are offered ridiculously big money for a very easy task.

If you see any of these signs in a job listing, do not apply. Be wise when reading job posts and do not send in your application just because the job seems too good to be true. To help you avoid these online job scams, remember to do the following:

1. You are paid to work. Therefore, avoid job postings that offer a ridiculous amount of money in exchange for doing nothing or little work.

2. Do your part and research. If you are not familiar with the company or it sounds fishy, research about it if it’s legit.

3. Look for red flags. These include job postings that have glaring grammatical errors or using a free email address (such as ABC@gmail.com or ABC@yahoo.com).

While it may seem tempting to send in your application for home-based jobs that offer a high salary, it pays to be wise and to recognize online job scams right away. Be aware of the types of these scams and know how to avoid them so you can find the job that is right for you.

 ABOUT THE AUTHOR

Kristine Joy Aquino is a wife and a mom for 11 years and a writer and editor/proofreader for the past 12 years. She has planted the seed of her career in writing novels and academic papers and ebooks, and that soon branched out to editing manuscripts, which she came to love doing. Her mantra: every day presents a chance to learn new things and skills, no matter how difficult. She prides herself on being a strong woman, able to face life challenges head-on, with a few bruises here and there that would always remind her of all she’s been through. 

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10 Tips on How to Ace Your Online Interviews

Freelancing , Uncategorized

Like every job seeker, online freelancers also go through the process of interviews. I, as a work at home mom, have been into countless of online interviews over the past 5 years. Thanks to technology, home-based jobs Philippines have been booming. Whether it’s a video or a chat type of online interview, preparation is the key to nail it. I know you’re looking for ways on how to ace your online interviews. Here, let me share with you my ten easy tips.

1. Tech Check

Test all your equipment before your online interview. Secure your internet’s reliability as well as your microphone and camera. Ready these things to avoid troubles.

2. Be Yourself

Clients want to know the real you before advancing you to the next round. Be natural and be yourself. Stay calm, listen carefully and focus on your goal.

3. Do your Homework

To ace your online interviews, you must be confident with your answers. Research about the job and you will surely be ready for any questions you might get.

4. Make a Script

Interviewers like to ask about yourself and reasons you should be hired, practice answering these potential online interview questions and make a script so you will be guided. You can memorize your script or post it in front of your computer to simply glance at it during your online interview.

5. Be Punctual

Don’t be late. You should all be set thirty minutes before the actual interview. Punctuality makes a good impression since this also determines if the person is really responsible enough to commit on time.

6. Grammar is Life

Wrong grammar is a big NO for all kinds of interviews and that includes your online interview for a job. There are thousands of home-based jobs Philippines’ opportunities and having good grammar can be your edge.

7. Do Mock Interview

Have someone to do an online interview practice with you. Seek help from people who you trust and record the mock interview to evaluate yourself.

8. Posture

Sit straight, maintain eye contact by looking at the webcam. Don’t slouch, yawn, or fidget.

9. Dress for Success

Wear appropriate attire. Most of the time, a smart casual look is okay for a video interview.

10. Location Matters

Have a  plain white background. If that’s not possible, use a plain white cloth to cover it. Avoid any noise, plus your camera should see from your waist up.

Now that you know how to ace your online interviews, all you need to do is relax and trust yourself that you can do it. I know you got this! Home-based jobs Philippines will continue to rise and I’m hoping that more Filipinos will take the opportunity to work from home to be with their families. Continue honing your skills and the opportunity will find its way to you. Make sure to combine it with confidence, then you’re all set! It works for me, it shall work for you, too! Best of luck!

ABOUT THE AUTHOR

After earning her Bachelors Degree in Broadcast Communication, Nica Chesca Soriano received a crash-course in motherhood. She is a Wondermom to her two beloved kids. It certainly isn’t always easy, she couldn’t be more in love with her job as a WAHM (Work at Home Mom), working as a Social Media Manager and Virtual Assistant to foreign and local clients while taking care of the lil ones. Somehow, she managed to do some DIY stuff and finds time to read and write!

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6 Ways on How to Improve your Visibility on LinkedIn

Entrepreneurship , Freelancing , Uncategorized

Over the past years, home-based jobs Philippines’ opportunities continue to rise, making more Filipinos want to work from home and be with their families. But, what can you do to be found by clients? Where do you start looking for freelancing jobs online? Well, LinkedIn is the answer. 

LinkedIn is a social network for professionals where you can find jobs and be found by your skills. Do you know that by getting more profile views on LinkedIn, you can land your dream home based job? But how can you do this? How do you improve your visibility on Linked so hiring companies and clients will find you? 

Let me share with you my 6 proven ways on how to improve your visibility on LinkedIn based on my own experience.

1. Use a Professional Headshot

Did you know that using a professional photo makes you nine times more likely to receive a connection request and your profile 21 times more likely to be viewed according to LinkedIn?

Your photo is the first thing that other users will see and that makes your LinkedIn headshot matters. Use a non-distracting background as much as possible – white background never goes wrong. Set your profile photo visibility to ‘public’.

2. Add your Skills

Are you highly skilled in digital marketing or social media? Show it off! The more skills you list on your LinkedIn profile, the more chances you are to get “found” by other users that are searching for the particular skills you have.

3. Endorse connections for Skills they have

When you endorse your friends, you are already doing them a favor, and most likely they will reciprocate it. This makes you get skills endorsement in the process. This will make your profile more attractive and improve your visibility on LinkedIn based on your particular skills.

4. Ask for Recommendations

To increase your Linkedin profile views, seek recommendations from your trusted colleagues that know you and are familiar with your work. Message them and ask recommendations directly. This adds credibility to your profile and lets you improve your visibility on Linkedin knowing that people have some good things to say about you and your work.

5. Craft your Professional Summary

Keep it short and sweet. Home-based jobs the Philippines is booming, and your profile summary can give you an edge if done correctly. Make sure to write in the first person and be conversational yet professional since you are talking to your target clients or audience. This section should tell something about what you do and what you are looking for. Carefully doing this adds to your Linkedin visibility too.

6. Browse the ‘People You May Know’ list

To have more connections and be visible to target clients, it would be helpful to browse the ‘People You May Know’ list. This is LinkedIn’s search engine where you can see people whom you already know or have mutual connections. Browse this daily and add as many people that you have mutual connections with. The more your connections increases, the more you appear to a higher number of people. This is one of the best ways to get more views on LinkedIn.

LinkedIn is a helpful and powerful tool for professionals, we just need to know how to use it to its full potential. So, stop ignoring your profile. Follow these proven ways on how to improve your visibility on LinkedIn, and you will surely be one of those freelancers to enjoy home-based jobs Philippines’ opportunities in no time. Start attracting opportunities and use LinkedIn now. You can do it!

ABOUT THE AUTHOR

After earning her Bachelors Degree in Broadcast Communication, Nica Chesca Soriano received a crash-course in motherhood. She is a Wondermom to her two beloved kids. It certainly isn’t always easy, she couldn’t be more in love with her job as a WAHM (Work at Home Mom), working as a Social Media Manager and Virtual Assistant to foreign and local clients while taking care of the lil ones. Somehow, she managed to do some DIY stuff and finds time to read and write!

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How to Start an eBay Dropshipping Business

Entrepreneurship , Freelancing

Every employee has been dreaming of being the one on the opposite side. And everyone always thought of just getting enough money for business capital to startup even just a small business – and that’s how I think too.

I have been working for 11 years now and almost 3 years as an Online Freelancer, I have no idea of how things work in this kind of industry — Home-based Jobs. Since I am not a newbie in business or online business, I already thought of dropshipping. I knew it while scrolling on Social Media and I fell in love with it. I joined a lot of groups and read articles about it and every time I saw success stories from known people of dropshipping my heart beats fast. Why? Because of dreams and excitement, dreams for my family and hoping to help others on the side.

I guess God heard my heart beating and He gave me a gift. I was hired as an eBay Account Worker to a Dropshipping Company. They are handling lots of eBay accounts for sellers from all over the world. And it became my stepping stone to the business side of being a freelancer. To make the story short, I learned almost everything from that company about eBay.

Let me give you a step by step procedure on how to start your eBay Dropshipping Business but before that let me give you the definition of Dropshipping.

Dropshipping is a retail fulfillment method where a store doesn’t keep the products it sells in stock. Instead, when a store sells a product, it purchases the item from a third party and has it shipped directly to the customer. As a result, the merchant never sees or handles the product.

In short, the seller from the website you got your items will be the one sending it to your buyer. Great right?

First, you need to sign up to eBay Philippines. They need documents like Identification Cards and Statement of Account for Verification.

Some sellers use eBay Monitoring Programs like DSM Tool, Yaballe, AutoDS and many more. They used monitoring programs because it will be easier to list and manage a store.

Once your account has been verified and your ready to list some items. Please make sure to read the terms and conditions of eBay, also their rules and regulations. This will prevent your account from being restricted or suspended.

Next thing you need to do is choose a website you’re using to dropship items. You can use Amazon, Walmart, Alibaba, AliExpress and many more. If you want to sell in the US, you might want to consider getting your items from Amazon US or any website that can deliver to the US as fast as 2-3days or better if they have next day delivery.

For pricing, you can use this website:

After that, you can now look for the items you want to sell in the websites you want your items to be dropshipped. Some sellers use different styles and applications in doing market research or product research. I use Zik Analytics for product research. Let me go ahead and give you the meaning of product research using my own words. 

Product research is simply searching for the most sellable item in a particular country or place at a certain time.

The last but not the least is making sure you have the right settings for your store. Read carefully and I know you will not be lost.

And Viola, welcome to eBay Seller, enjoy selling!

These are lists of Applications and links for your reference.

https://www.ebay.ph/

https://www.zikanalytics.com/User/Login

ABOUT THE AUTHOR

Benesa Tabliga Corton has been working for 11 years now and she is a work-at-home mom for almost three years.

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How a Nannyless WAHM Survives Freelancing

Freelancing , Parenting

As a nanny-less mom, there has always been a lingering feeling to redeem myself. A myriad of questions pop in my mind: “Can I still do what I want to do? Am I still good enough? Is reaching for my dreams considered out of my bounds? When will I progress? Will I ever progress? But how?”

We have three kids and we are juggling the activities in our humble household. I thought my dreams will never come true, but not until I landed a home-based job here in the Philippines.

Here is what I am doing to survive freelancing without any household help:

I got a non-voice home-based job with a flexible schedule. This is the easiest way to pull through in my real estate work. Having 3 boys, a 5-year-old preschooler, and 2-year-old twins, you can imagine the nerve-whacking noise and merriment that they bring. So, I cannot afford to get a voice job, to say the least.

I enlist the help of my husband. I never believed that husbands who work should not help in the household because they are too tired or because they bring money on the table. Husbands should also do their fair share of household work. Why? Because it will teach them empathy. It will make them feel how we feel– the exhaustion, frustration, and fulfillment. They will also set a good example to your kids. Remember, kids, learn by what you show them, not by what you tell them.

I do not put too much pressure on myself (and my husband) doing the household tasks alone. I invest in automatic appliances and outsource the chores when needed. I am telling you, this is life-changing. I do not oblige myself to accomplish all these tasks because I also need to take care of my health. I see to it that when I am tired, I let someone else wash the clothes or iron them. When I am too exhausted to cook, I opt for food delivery. 

I set a routine. However, I also remind myself not to get upset and be flexible whenever it is not followed. At 7:30 pm, we turn our lights out so by 8 pm, the kids should be all asleep. I start my work at 8:45 pm and finish it at 6:00 am, if there is an unfinished task, I do it on weekends. My twins wake up during my working hours which is, I must admit quite stressful because my work gets interrupted. But what do I do? I just embrace it, breathe, let it go and start again. Then, I cook our food and we eat at 7:00 am. From 8:00 am until 10:30 am is the kids’ playtime and I bathe them afterward. I cook food for lunch, eat at noon and we all take a nap until 3:00 pm. At 6:00 pm, my husband readies for work. My husband and I sleep around 4 to 6 hours a day but we see to it that we get full sleep on weekends.

If there is a will, there is a way. Overused line, but true. If I can do it, you can also do it. There are lots of online jobs hiring that you can find nowadays. I believe that the number of opportunities online equates the number of ways that you can manage to work at home.

ABOUT THE AUTHOR

Janica Anne Montaos is a mother of wonderful kids. She is a Real Estate Virtual Assitant who is currently assigned as the Director of Client Services in one of the top brokerage firms in Texas.

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The WAH-life of a PWD Parent

Freelancing , Parenting

Alexandre, good morning my little man, Did you sleep well? Do you want your milk now? Then he runs back to his bed. He buries himself under all his pillows. This is our typical morning routine. 

Opting to have a home-based job in the Philippines is, if not the best, a great decision that I made. The career change was not that easy and it was life-changing. This is an extra challenge to a PWD parent like me.

It’s been 1 year and 7 months. I think I was already aware of what’s going on, but I had to make it official from a Developmental Pediatrician. When we were called back to the doctor’s office and she delivered the news, I went numb. The feeling when you get dumped with ice-cold water, that’s what I felt. Learning that you have a Special child is scary and humbling.

There was no time to think what went wrong, whose genes it came from, our goal at that moment was to start intervention ASAP. Other than the financial matter, my husband and I got worried about our time management. I was still working a night shift Team Lead in my previous company. I realized the more I talk about my special child, the easier the load it is for me.

I started tinkering with the idea to search for a home-based job in the Philippines. Resigning from the corporate world was a breeze for me. I felt a gush of fear because I was entering a world of the unknown to me. Shuffling between job-hunting on-line, and therapy sessions I was overwhelmed. Not knowing where to start and consider the fact that the interventions we have are uninterrupted.

After a month of applying and interviews, I was hired. Fist-bump! I am now a Virtual Assistant for a US company. Luckily, my client himself had personal challenges. He has ADD. He understands what I am going through as a PWD parent. There were a few instances when my son would suddenly burst into the room with non-stop babbling. His meltdowns have trimmed down to at least twice a month, and it rarely clashes with work.

I know what some of you might be thinking, it’s just the same as your little one. I wish it were that simple. My child has no social skills. Even his siblings had difficulty interacting with him because he did not respond to his name. To avoid emotional disconnect, there is a constant reminder to my 2 girls that their brother is a special child. Happy that they do not see him as a competition.

All the adjustments that we made are paying off. We celebrate every milestone that he meets. When I say, “Mommy has to work, you be a good boy”, he stares and I don’t know if he understood all. He will get a toy he fancies that day, and jump non-stop on the bed. I guess that what he thinks being a good boy is.

PWD parents like me are lucky that there are home-based jobs in the Philippines that can work with our daily routine. I know that it will not be a breeze in the park. I know that we still have a long way to make him “normal”. Never lose hope. The roller coaster ride that is worth every minute. I’ve learned to sit back and enjoy the ride.

ABOUT THE AUTHOR

Venus Sambajon is a Pharmacist by Profession and was an entrepreneur at a young age. She left her 11-year career in the BPO industry when her son was diagnosed with Autism, it was not a hard decision to make. She joined Filipina Homebased Moms in mid-2018 and is now the Encourager for Makati City-Taguig-Pateros. She is laser-focused on what she wants to achieve as a freelancer and Autism-awareness advocate. As the Genuine Domestic Goddess, she wants to pay it forward to other moms and show them that work-life balance is achievable.

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Factors to Consider in Finding Your Freelance Coach

Freelancing

Being a Freelancer is the best decision I’ve made in my career and as well all know that most Moms nowadays prefer working from home so that they can be hands-on to their babies especially if you’re a first-time mom.

For those who haven’t try freelancing at all, finding the right coach is the stepping stone towards getting a home-based job. Having someone to teach you and hone you in your skills and knowledge can help you land a job and level up your career.

A good coach will help you identify what skills and knowledge you have, what particularly you’re strong at and what to excel more. I’ve seen a lot of Freelancing groups and coaches, and they are all amazing in their specific field but there are only a few who stand out. I can say, someone who’s going there to help you step by step, someone who understands and someone that you can say “thank you” later.

So if you’re a freelancer like me, what do you need to consider to be able to find the right coach for you’re freelancing career?
Here are 5 factors you can consider in finding or choosing a coach.

  • COMMUNICATION
    One of the most important factors that you should consider is how easy it is for you to communicate with your coach. How long are the coaching and training? How often can you talk to your mentor? Is your mentor easy to talk with?

Remember that a good mentor will be there to help you and motivate you to achieve success.

  • SPECIALTY SKILLS
    If you want to be knowledgeable or up skill in your specific field, then it may be necessary to find someone who has the skills, experience, and knowledge for that specific field.
  • COST
    Are you getting what you paid for? Is it worth the price to be enrolled in that class? Is the trainer also recommended by others as well? Can I review or check the courses again?

Remember to consider the recommendations from others, trainer’s credentials and the class curriculum and if it’s easy to access again after training.

  • STYLE OF TEACHING
    For me, one of the things I’d like to consider is how a trainer’s way of teaching is. Sometimes no matter how successful that person is in his career if the way he delivers his pieces of training is a bit complicated then it’s going to be a waste of time for the both of us. I always look for someone who shares his skills based on experience and not by the book. Someone who can easily make the pieces of training more interesting and someone who I can easily communicate with
  • CHALLENGE
    If your mentor has all the right attributes and credentials but you just don’t gel with them especially during training and you feel that you don’t get what you paid for then you may need to search again for a new one.

Your mentor should motivate you while you’re being challenged without the feeling of giving up and that someone should be your spine in getting all these challenges done.

The success of a student is a great success of a mentor.

Mentors are there to guide and provide knowledge and hone you. Make sure that you are comfortable with your mentor, someone who you can trust with and someone who can help you achieve your goals. If you’re still starting, join different groups about that skill or attend seminars and training and from there you will surely find someone inspiring enough to help you in your journey

And always remember at the end of the day, the motivation to learn starts from us. No matter how amazing the trainer is, if we don’t have that motivation within then it’s all pointless. If giving up will be your choice, then better not enroll and waste money.

ABOUT THE AUTHOR

Belle Betsy Aguilar is a Freelance Graphic Designer Momma, Blogger, and Social Media Manager. After giving birth to her firstborn, Belle took the risk of leaving her stable career as an IT Analyst and transitioned to become a freelancer so she can be a hands-on Mom while achieving her career. Becoming a Freelancer has been the greatest decision she made and it opened a lot of opportunities for her to continue her passion in graphic designing, writing, video editing, photography and she’s the blogger behind Mommy Belle PH & Sip and Blog. It gave her the freedom to pursue her passion while spending quality time with the family, attend blogging events, excel in graphic designing & travel while working. For her, the journey might be rocky at first, but it was all worth it once you find what you truly want to achieve.

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Freelancer WAHM, the Career to Beat

Freelancing

My romance with freelancing started barely a year ago. It is such a blessing that moms nowadays have the opportunity to have home-based jobs in the Philippines. The opportunity to stay at home with the family and earn at the same time for them is precious. I know a lot of Freelancer WAHM and it sits well with them.

I recall when I was younger, our mom had to travel most of the time in order to help our dad with the family business. This means we are left in the care of either a house help or an elder relative. There were times that both our parents are not available for important life events for us.

Is freelancing at home the new career goals for this time and age? When you were young and asked “What do you want to be when you grow up?”, I don’t think you will respond with, “I want to be a freelancer WAHM when I grow up!”

The road to freelancing at home has its ups and downs. It comes so easy to others and yet can be a train wreck to some. Looking at it on a positive note, the good always outweighs the bad. The joys of seeing your child’s first step while you are earning in the comforts of your home is a double-whammy celebration.

Let’s face it, it still difficult to make some people understand what freelancing is. Some may think that it’s not a stable career. There are others who will not even call it a career. You may even hear some say that you are throwing away your education by choosing that route.

If stability means having the same boss or employer for many years, it goes the same in both an office-based or home-based job. I agree that a college degree is important in the Philippine setting. If you studied to be a nurse, you work as a nurse. But isn’t it wonderful that you are not restricted to your college degree when you work at home. When you realize your passion at a certain time in your life and be good at it.

No matter what other people say, you are the king, rather Queen, of your destiny. The opportunities for home-based Jobs in the Philippines are endless. You will have the chance to see your kid’s milestones, something that a regular day job may limit you on.  

I always say, next to God, my family is my priority. A mom who can juggle work and look after the family at home is a career in itself. It is the best decision a  mother can do. You see another facet of yourself that you didn’t know existed.

Raise your hand if you are a freelancer WAHM. Celebrate every little win that you get when you work with your family in the comforts of your home. Not everyone mom can claim that she has a home-based job in the Philippines. People will realize that you can have your cake and eat it too.

About the Author

Venus is a Pharmacist by Profession and was an entrepreneur at a young age. She left her 11-year career in the BPO industry when her son was diagnosed with Autism, it was not a hard decision to make. She joined Filipina Homebased Moms in mid-2018 and is now the Encourager for Makati City-Taguig-Pateros. She is laser-focused on what she wants to achieve as a freelancer and Autism-awareness advocate. As the Genuine Domestic Goddess, she wants to pay it forward to other moms and show them that work-life balance is achievable.

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Characteristics of a Virtual Assistant that You Should Have

Freelancing

“Why should we hire you?”

Sounds familiar right? I heard it many times in almost all my interviews whether it’s in the corporate or in a home-based job. Whenever the interviewer starts asking me this question, I thought of all the good traits, skills and characteristics of mine that I know that can be an asset of the company. But way back 2 years ago, I was also someone like anybody else. I was struggling and questioning myself why I am not getting hired. Are my skills not enough? Are my experiences not a valid point to hire me? Many questions bombarded my mind and depression hits at its finest. I cried every single day and thinking I am not good. But I overcame everything and learned that working at home is not as easy as 1,2,3. I knew that working online is far different from working in an office. If you know you got the good traits in you then start trusting yourself.

Let me give you some characteristics I know that will help you land a job or clients are eyeing for.

Be a Manager of Your Own

In an office, there’s a manager that will push you to your limits or your best. But working at home, you are on your own. You have to set your own goals.

Be Resourceful

Being resourceful is a big plus for me. Why? Because when you are working online, there are times that circumstances will test you and you must find a way with or (always) without supervision.

Have Self-control

I guess this trait is not just in the home-based world but even outside. You must have this.

Be Trustworthy

Most clients leave tasks and checks on you every now and then.

Have Emotional Strength

This is an important characteristic for me. Working alone is sad and boring especially if you are doing the same thing every day. I read an article saying that most clients or employers are looking for this kind of employee. Because they will rather keep a person with this character than a rockstar but a toxic worker.

Be Prayerful

This must be the first thing we do as an individual. This will help us get through the day.

Be a Great Time Manager

As a mom, I know it’s very hard, but this is a must. So you can do your tasks at work, chores and manage to still cuddle and play with the kids from time to time.

Be Optimistic

With all the negative things surround us, be the light and be the one bringing the positive vibes. It helps especially with our clients or bosses.

I know you have a lot in mind that I missed, but for me, those are 8 must-have characteristics. Good luck and I hope you learned something from this. I pray that you land a job very soon. God bless you!

About the Author

Benesa Corton is a working at home for three years already. Her expertise are virtual assistance and social media advertising.

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Why a WAHM should get a life and health insurance?

Freelancing , Parenting

Nowadays a lot of people are into online jobs and home-based jobs. I, for one, worked in a corporate world for almost 2 years but decided to work at home as suggested by my sister-in-law. As a working full-time mother of two, I need to get a higher salary. We needed to make ends meet. With bills to pay and debts to settle every payday is a struggle for us. But it hit me hard when my husband got sick and had to resign from work for almost a year which brought us to more bills and debts to pay. It was tiresome and I always tell myself I must not get sick and I don’t have a right to get sick.

My first experience with life insurance is when my co-parent invited me to buy a policy and to be an agent as well since she knows me so well that I am into all kinds of business.

Why WAHM should get a life and health insurance?

When I was young, I was always impulsive when it comes to money so I had to depend on my brother to keep my money and help me save. Now that we both have our families I realized how important it is to save money. My husband lives by the principle YOLO which is not practical when you have mouths to feed. We juggle with our jobs just to make ends meet and surprisingly we spend much more than we did 2 years ago. Now we realized that we need a direction and a plan to save not only for ourselves but for our kids’ future.

REASONS TO BUY A POLICY NOW!

We need this to prepare for what is uncertain–DEATH

As home-based moms, we are prone to silent diseases that can lead to sudden death. I have heard hundreds of stories who suddenly lost their loved ones while staying at home. Such events are very alarming as the age group is going down each year. The cost of a funeral and burial cost a lot, and I don’t want my children to suffer financially at my death.

  • For our kids’ education

I am not from a well-off family but my father was very hardworking, Unfortunately, after his retirement, I lost my dad to cancer, and it brought our family to famine and my brothers and aunts were the ones who provided for our education. Being a home-based mother of two, It became my motivation to buy an educational plan for our kids.

  • To replace my husband’s income

As a partner, we housewives should manage the house and even our finances. I have to admit women are more patient than men. And If ever my husband would pass away I would have to replace his income.

  • To pay other expenses and debts

Variable insurance allows us to borrow the money we invested without canceling the policy.

Also, there is a term life insurance policy that will fit virtually every budget. It’s worth cutting an expense or two to make room for this all-important financial service.

  • Not enough money

If your budget is tightly stretched, it can be legitimately difficult to find money to pay for a life insurance premium. However, that should make you realize even more that if your household finances are tight while everyone is alive and well, it will be infinitely worse if one of you dies.

About the Author

Mariea Zel is a mother of two beautiful kids from Baguio City. She is a stay-at-home mom, a nurse, a teacher, a singer, a financial adviser and more..

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