The Curious Mom

Adulthood is difficult. Many of us, if not all, are constantly struggling to manage our expenses, especially if you are a minimum wage earner like me. Even if we prioritize what we need first, it's not always enough for me, and I always struggle with our daily budget. Budgeting for bills, food, and other necessities is always a priority for me, but there are times when I overspend or fall short due to unexpected dues, expenses, or emergencies.

My primary responsibility as a parent is to ensure that my children have everything they require, but doing so can be prohibitively expensive. As a result, seizing control right away is critical. To be honest, it's difficult to provide because members of the family occasionally incur unexpected expenses. Knowing where you stand financially allows you to seek any necessary short-term relief or additional assistance. Money isn't everything, and no parent wants to incur additional debt.

When your income remains stable while the cost of living rises almost daily, it is almost certain that you will suffer a temporary financial setback as a result of this condition at some point in your life. Furthermore, the shock of discovering that you do not have enough cash to deal with an emergency or pay for unexpected expenses necessitates the use of loans.

Borrow money online without having to fax, it is one of the most convenient and simple ways to obtain cash. The procedure is quick and easy. You can finish filling out the form and get a decision in as little as 5 minutes! If approved, funds will be transferred to your bank account within 24 hours. We don't have time to send hard copies of documents to submit if an emergency occurs. When you are in this situation, applying for a loan solely online makes life easier. Personally, I prefer this type of borrowing money over lending money to someone I am unsure about. 

Even if we have a full-time job, we need to lend some extra cash for things like medical bills, emergency expenses, and other unexpected bills and payments. Loans can be beneficial or disastrous for you, so think twice before taking the first step toward borrowing. Make certain that the money was truly required at that time. Don't borrow for fun or to buy expensive items. To avoid a negative credit score, be aware of your obligations and pay your bills on time this is a payday loan so pay it on your next payday, not in months or years. Considering also to understand the terms of borrowing as well, read the contract before accepting it, make sure that you understand the conditions. It is intended to be used in emergency situations such as paying for medications or hospital service charges. As a result, only borrow what you need. 

There are a few things you should look into before taking out or considering a loan. But, if not today, perhaps you will need this site in the future, or someone you know may need of this kind assistance at this time.

SM Prime Holdings, together with SM Cares and SM By the Bay once again took part in the annual International Coastal Cleanup (ICC), bringing together thousands of volunteers into an event that underscored the importance of protecting the world's seas, oceans, and other bodies of water. The event was held last September 17 at the SM By the Bay Central Park, SM Mall of Asia Complex in Pasay City.

A total of 2,438 volunteers joined this year's ICC, composed of students, professionals, and others from different private and public organizations. At the end of the activity, an estimated 12,158 kgs of trash, equivalent to a total of 1,613 trash bags filled, was successfully collected.

Among those who graced the event were Climate Change Commission Vice Chairperson Sec. Robert Borje, Department of Environment and Natural Resources - National Capital Region (DENR-NCR) Regional Executive Director Jacqueline A. Caancan, DENR-NCR Regional Executive Director for Technical Services Engr. Ignacio R. Almira, DENR-NCR Regional Strategic Communication and Initiatives Group Head Chris Villarin, DENR-NCR Communication Development Officer II Ariz Abad, SM Investments President and CEO and 2GO Group President and CEO Frederic DyBuncio, SM Prime Holdings Inc. SVP Glenn Ang, SM Supermalls SAVP for Operations Perkin So, SM By the BAY Mall Manager Marie Charlene Claire K. Canoy-Narvasa and PricewaterhouseCoopers (PwC) Philippines’ Markets and Assurance Executive Director Allan Cao.

The ICC is a yearly global event that encourages individuals to be part of the movement for cleaner seas and oceans. Every year, thousands of Filipino volunteers from various sectors and communities join the efforts to help ensure the cleanliness of the shorelines and waterways in the country.

“The International Coastal Clean Up is part of the overall SM Green Movement. As a proven responsible property developer and community partner, SM Prime’s various Sustainability programs across its malls, residences, hotels, and leisure properties promote resource conservation & environmental protection for an improved quality of life in the communities it serves,” said SM Supermalls SAVP for Operations Perkin So.

This year's event was made possible by SM Offices, 2GO, PwC, Maynilad, and International Coastal Clean Up Philippines. DENR-NCR, the Climate Change Commission, and the Philippine Coast Guard were also present to provide their support.

Aside from the annual observance of ICC, other sustainability projects of SM Cares include the Trash-To-Cash Recycling Market where individuals can drop off their recyclable waste in exchange for cash; the Plastic Waste and Electronic Waste Collection Programs which promotes responsible plastic and electronic waste management affecting our seas, just to name a few.

SM Cares is the corporate social responsibility arm of SM Prime Holdings, responsible for initiatives that promote sustainability and the development of the community. SM Cares’ advocacies include programs for Women and Breastfeeding Mothers, Persons with Disabilities, Senior Citizens, and Children and Youth, as well as the Bike-Friendly SM initiative, in addition to its Programs on Environment.

To learn more about these, visit www.smsupermalls.com/smcares.

SM Prime Holdings (SMPHI) recently announced its support for the global search for women leaders in disaster resilience.

For the second consecutive year, SMPHI is sponsoring the Women’s International Network on Disaster Risk Reduction (WIN DRR) Leadership Awards, a flagship program of the United Nations Office for Disaster Risk Reduction (UNDRR).

SMPHI Vice President for Corporate Compliance Liza B. Silerio said that the support is aligned with the company’s drive to recognize women’s leadership in disaster risk reduction. “This is important in inspiring other women to fully and effectively participate in promoting gender equality and empowerment while building our collective resilience.”

UN Special Representative of the Secretary-General for Disaster Risk Reduction Mami Mizutori expressed gratitude for the support, stating, “The awards highlight the key role of women as leaders and agents of change in building resilience and actively participating in the creation and implementation of DRR strategies, policies, plans, and programs in their regions. Their stories reflect the diversity of solutions required to meet the converging challenges of accelerating climate change and disasters in the region.”

“We look forward to continued collaboration with SM in our DRR agenda,” Secretary General Mizutori added.

The WIN DRR Excellence Awards 2022 sponsored by SM Prime has 15 finalists shortlisted from 420 nominations received across 24 countries in the Asia-Pacific. The winner will be announced at the Asia Pacific Ministerial Conference on Disaster Risk Reduction in Brisbane on 21 September 2022. US$10,000 will be awarded to an individual woman who has achieved exceptional professional success in DRR.

The WIN DRR partnership is consistent with SM Prime Holdings’ social commitment to women empowerment, resilience, good health, and well-being of women. The company’s corporate social responsibility arm, SM Cares, supports programs that advance these causes.

The Women's International Network on Disaster Risk Reduction (WIN DRR) is a professional network to support women working in disaster risk reduction, in all their diversity. Its overall goal is to empower women to attain leadership and enhance their role in decision-making in disaster risk reduction in Asia-Pacific. The WIN DRR Philippine Network is powered by SM Prime and Asia Pacific College.

Earlier this year, SM Prime through its SM CARES, partnered with UNDRR in celebrating women's empowerment through a webinar on the role of women in disaster resilience. In her keynote message, Mizutori emphasized that “women’s equal participation and leadership in public life including disaster risk reduction is important and it is also essential to reducing disaster risk in achieving the United Nations sustainable development goals.” 

Buying a house might be a bit overwhelming, especially for first-timers, and it is not wrong to feel that way. After all, owning such property is both a great investment and a huge responsibility. Not to mention the fact that it is a daunting process that requires a lot of money, knowledge, and thorough research, among others. But among the many steps, where do you start?

Fret not because Lumina Homes got you covered with this 5-step Buyer's Guide by Lumina.

A good buyer is the one who asks. It is only understandable for every first-timer to have a lot of questions. Good thing the basic details about Lumina Home Properties are just a click away. Access information about your preferred property or house models at Lumina's website (www.lumina.com.ph) and even chat with a Lumina Expert using the chat button on the website should you need further assistance.

This is probably one of the exciting parts of scouting your next home. Seeing the actual community you might be moving into, visiting those dressed-up units where you can draw inspiration when designing your new home, or just seeing for yourself if the place exudes a home vibe. Lumina understands this and offers a free site viewing with a Lumina expert to assist you.

But if you have yet to set the date for your site viewing, make use of the 3D virtual tour of Lumina Homes Showcase Area (https://storage.net-fs.com/hosting/6413202/22/index.htm).

Once you're already set with the location and property that you wish to purchase, submitting the reservation application is the next step for you.

Lumina makes it easier for homebuyers to make a reservation through Lumina Homes Online. It is an online portal where you can easily view and select your preferred block and lot, and settle the reservation fee through various payment channels such as credit or debit card, GCash, or over-the-counter. Upon successful application, you will receive an email confirmation that includes a link to Lumina Homes' Electronic Buyer's Information Sheet (EBIS), Electronic Quotation Sheet (EQS), and Electronic Reservation Agreement (ERA).

Lumina Homes is committed to providing quality service to all of its clients. After placing your reservation, an assigned Lumina Marketing and Admin Staff will be in touch with you for briefing, which includes information about the property you are set to buy, documentary requirements, step-by-step process prior to turning over of your Lumina Home, housing, and admin policies, and the project timeline.

After completing the briefing, you are only one step away from being a homeowner. The assigned Lumina expert will ask you to fill out some forms and submit documentary requirements within 30 days.

The list of documentary requirements varies and depends on two factors--employment status and financing options. Either way, Lumina Expert will be available to assist you with any further concerns.

Lumina Homes continuously evolves to accommodate the growing needs of its homeowners by providing digital real-estate solutions like virtual home tours and subdivision walkthroughs, online reservations, online appointment booking, and online payment options through digital wallets and digital banking in partnership with national bank players.

"Lumina Homes is committed to going beyond what is expected of an affordable housing community. We will maximize our developments' potential in providing our residents the quality home and life that they deserve," Estrellita Tan, Group Head of Lumina Homes said.

Start your homeowner journey at https://www.lumina.com.ph/property-listing.

The 100 Days of Happiness initiative by SM Supermalls, which aims to build a circle of happiness with 76 participating malls, customers, artists, cause-oriented groups, and certain local government units, was launched on September 16 to start the countdown to Christmas.

"We want to create a circle of happiness in all our SM malls by featuring products of cause-oriented programs which we will offer to our shoppers who, in turn, give them to friends and family, and ultimately, benefit the communities that created these products," said SM Supermalls President Steven T. Tan.

Through the campaign, SM Supermalls encourages Filipinos to support the advocacies of individuals and organizations that provide opportunities and create a livelihood for their communities. For this year, SM partnered with bag designer Zarah Juan, Spark PH, the Girl Scouts of the Philippines (GSP), the Association of Foot and Mouth Artists of the Philippines, UNICEF, and the Quezon City LGU for its Vote to Tote initiative, among others.

The launch event held at SM North EDSA The Block was attended by SM Supermalls President Steven Tan and SVP for Marketing Joaquin San Agustin; Quezon City Mayor Joy Belmonte, Vice Mayor Gian Sotto, and select councilors of the city; Spark PH Founder Mica Teves; GSP President Dr. Nina Lim-Yuson; designer Zarah Juan; and Brownies Unlimited Marketing head Dustin Ngo.

For this year’s 100 Days campaign, SM Megamall, along with 9 other SM malls, is collaborating with Brownies Unlimited and the Girl Scouts of the Philippines. For every purchase of a special GSP-themed box of brownies in-mall and via the SM Malls Online App, one girl will be sponsored with a GSP membership for a year.

"We have a lot of young girls across the country and they've had such difficult times during the pandemic. Our membership dropped significantly. By buying a box, you can sponsor a girl for one year and she can learn so many things like being independent, loving her country more, and helping her community," said GSP President Nina Lim-Yuson.

Recently, SM Supermalls helped the GSP vaccinate all its 70,000 members nationwide. By providing them with convenient and safe COVID-19 vaccines, SM Supermalls was able to ensure that the GSP members have access to quality healthcare services.

SM shoppers can purchase a box of brownies from 46 Brownies Unlimited branches nationwide and the SM Malls Online App.

Apart from the GSP partnership, SM Supermalls also partnered with the local government of Quezon City for its Vote to Tote program, Spark PH, and bag designer Zarah Juan to sell upcycled tarpaulin handmade tote bags sewn by marginalized women and female persons deprived of liberty.

And in the south of Metro Manila, the SM Mall of Asia family will be partnering with the Association of Foot and Mouth Artists in selling painted Christmas cards to the shoppers.

"All these and more will start to unfold in the coming days as we continue spreading happiness across all SM malls around the country. Let us not waste our next 100 days and use them to make one another happy by giving. Today, let the countdown begin to a hundred days of happiness!” Tan closed.

This is the second time SM Supermalls has started a holiday countdown campaign. In 2021, the biggest mall network in the Philippines showed the world more than a hundred ways of giving through 100 Days of Caring. Underserved communities surrounding the 76 SM malls were provided with their urgent needs through in-kind and monetary donations by the malls, their various business units, and the employees.

For the list of all partner institutions and their beneficiaries visit www.smsupermalls.com and follow @smsupermalls on all social media accounts.