How to Pay Pag-IBIG Housing Loan via Metrobankdirect

Pag-IBIG Housing Loan can be paid via Metrobankdirect without any fees. Another choice is using the recently launched online payment facility of Pag-IBIG where you can pay several Pag-IBIG transactions with a convenience fee of 1.75%.

Here are the steps in Metrobankdirect:

1. Once logged in, go to DEPOSIT ACCOUNTS.

deposit accounts

2. Click Pay Bills.

pay bills

3. On the right side, under the Pay Bills tab, select Government in the Category drop-down.


4. Then choose Pag-Ibig Fund (Individual) in the Biller drop-down.


5. After selecting, you will see three new fields. You will only be typing in the Subscriber/Account No. field. You can also type your Phone No. but it is not required.

three new fields

6. The one that you will type in the Subscriber/Account No. field is the 20-digit Payment Reference No. on your bill.


It’s quite confusing at first because there is also a Reference No. field on the website, but you will not use this.

Please note that copying and pasting are not allowed so you have to manually type it in the Subscriber/Account No. field.

copy paste

7. Once done, type the exact amount in the field in the Enter Amount section. You can also type in the Remarks field optionally. If you have more than one account registered, then select an account to debit.

enter amount

8. Click Continue. On the next page that will appear, enter the one-time PIN (OTP) that will be sent to your registered mobile number.


  • If you mistakenly paid twice within a billing period, the extra payment will be carried over to the next month. For example, if you paid twice in January, then you will not be billed in February. You will not even receive a Billing Statement from Pag-IBIG in the next month.
  • If you think typing manually the 20-digit Payment Reference No. is kind of taxing, you can use Pag-IBIG’s online payment facility as I’ve mentioned in the first part of this article. Just enter your Housing Account No. and it will pull up your latest billing. You will also have the option to pay via PayMaya, Visa, MasterCard, and JCB.

How do you motivate yourself?

multicolored bontainer
Photo by Ihsan Aditya on

Everyone needs motivation. It’s the thing that keeps us going despite the challenges and exhausting mundane tasks. As long as we have a strong motivation to move forward, we would be achieving things consistently and sometimes, even way beyond our expectations.

People have different approaches to life. Some have laid out plans and some are just going along with the flow, enjoying life as it is. Some have specific goals and some have pretty general goals like having a good stable source of income, a nice shelter, and a loving family to come home to. Unfortunately, there is a small percentage of people who refuse to have any goals at all but I don’t blame them entirely, especially if they had a difficult childhood and/or had depressing experiences along the way that hold them from moving forward.

I have listed down some items which I believe one must have to be able to achieve things in life:

1. Timely and realistic objectives.

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Photo by Breakingpic on

What is your current situation right now? Do you see something that you can improve on at the moment? Do you think you need to focus on your health (either physical or mental)?

List down a few objectives and do your best to accomplish them. Start with simple objectives that do not require a lot of time to finish, like waking up early or doing household chores regularly. They have to be simple enough that you don’t really need the motivation to do them.

You may have heard of the SMART criteria (Specific, Measurable, Achievable, Relevant, Time-bound). This is also, of course, applicable but I didn’t use this to keep it short.

2. A good circle of friends.

group of people having fun together under the sun
Photo by Helena Lopes on

Aside from your family and/or spouse (if you have one), it is healthy to have a circle of friends that you can trust, even though your relationship to them isn’t too deep. Do not shut good people out of your life. You have to be wary, though, because if you really want to be better, befriend those who are stable and mature. Make friends with people who can give you sound advice or slap you with the truth whenever you need it.

3. The right amount of confidence.

photo of people doing handshakes
Photo by fauxels on

Developing confidence might be too difficult for some people especially those who were traumatized by humiliation. I am in no position to give advice to those people as I am not a psychologist. I just want to say that confidence is required to move forward.

If you are overcome by shyness, how can you apply for that job that you want? How can you answer the interviewer’s question properly? How can you make friends? Yes, we need confidence and we need to develop them little by little, no matter how difficult.

4. Faith

you got this lighted signage
Photo by Prateek Katyal on

Have faith in yourself and most of all, have faith in God (that is if you believe in God but I encourage you to do so if you do not). Anyway, having faith in yourself means believing what you can do. It gives you optimism even if you fall multiple times along the way. If you begin to say “I can’t do it”, then that’s the start of failing. Always remember that a quitter never wins and a winner never quits.

Once you stop, it’s impossible to go further. We have individual lives. No matter how people try to help us, if we do not help ourselves, we will not reach anything. Once we stop, it’s the end of the line for us.

5. Humility

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Photo by Pixabay on

This is part of my philosophy and I believe most people will agree. Moreover, the Bible teaches this as well. I believe that if you always humble yourself, God will lift you up. Also, most people tend to repel an arrogant and egocentric attitude so if you refuse to be humble, you will have a hard time having friends who you can depend upon.


The list goes on, but these are the top five things for me to get going. Once you get started, you will find your motivation along the way. For me, having a purpose in life gives me motivation, and I believe that this applies to all people. Let’s find our purpose and be an asset to the community.

Always remember that what we think of ourselves is relevant to what we want to become. πŸ™‚

Why are some students not serious in studying?

If you are a teacher, a parent, or a student, I hope this short article would help you. Especially for parents, it is very important to know the possible reasons why your child is disinterested in his/her studies. So I made this list based on my experience as an instructor for two semesters.

Here are some possible reasons:

  1. They have problems at home.
  2. They are being bullied at school.
  3. They have personal problems that they refuse to tell anyone.
  4. They lack self-esteem (for whatever reason).
  5. They think they could not do it because they are not as smart as the others.
  6. They are not well-guided by their parents/guardians.
  7. They have little understanding of the importance of education.
  8. Their knowledge foundation is weak and they find it hard to keep up with their peers.
  9. They are scared of what will they be in the future (especially for college students) and this could affect their study habits.
  10. They don’t like their school (physical environment, teachers, etc.)

…and the list goes on.

Once you have identified the possible problems, work on those problems. If you are a parent, talk to your child. If you are a teacher, be considerate. If you are a student, seek help from your family and friends.

Education should be taken seriously. Life is too short to delay education, not to mention that it gets expensive through the years.

Is there something more important than education?

While proper education gives a huge edge to an individual in this competitive world, I must say that there is still something more important than that.

There are millions of people who did not enter school due to poverty, but they still survive. Some of them even became successful in life (and really rich).

I believe that being kind is more important than having the highest education in the world. Not all people can afford education but being kind to others is free.

Also, I believe that the kindest and warmest people in the world are not the ones who have everything, but the ones who have nothing.

Budgeting Tips

People have different techniques in budgeting their money. Some, on the other hand, are quite lax in handling their finances. In my opinion (and I know you’d agree too), budgeting is a necessity to not overspend on things and to help us save for the future.

I started budgeting strictly around five years ago. I downloaded a simple expense manager app from Play Store, played around with it, and got addicted to it. It’s quite stressful to record every expense I make but it helped me track down how much I spend on things.

Here’s the process I went into when I started budgeting:

1. Creating categories. In every expense manager app, you have to set first the categories. It entirely depends on you, but there are the general ones like Food, Transportation, Rent/Mortgage, Bills, and Shopping. In my case, I have more than 10 categories. You can make more specific categories like Electricity Bills, Phone Bills, Internet Bills, etc.

2. Setting limits. In a typical day, add up your usual expenses in a category, like Food, and then multiply it by 30 days. For example, if you spend an average of Php300 a day for food, then your typical budget would be Php3,000 a month. Remember, this doesn’t include when you eat in a fancy restaurant so you might want to add more depending on your income.

3. Creating accounts. If you manage more than one bank account, you can create multiple accounts in your app. For example, if you earn money and you decide to put it in your Savings Account, then you record that as an income in the app. If you take money from that account (by either spending or transferring to another account), then you must also record it. In this manner, you can monitor your cash where it goes between your accounts.

4. Reviewing your budget. You cannot perfect your budget in one go. For sure, there will be many alterations to it through time. Observe if you’re being too strict on yourself or if you are over-budgeting.

5. Observing the trends. If you’re recording your expenses for quite some time, like six months or one year, your data can give you insights on how you spend your money. Are you spending more on food through time? Are you spending a lot of money on shopping? Remember, your records don’t lie.

6. Evaluating your budget. Like companies, each individual must also evaluate his/her budget regularly. You can ask for advice from other people if you’re having a hard time budgeting. Ask for their opinions. If you can’t decide if it’s OK to spend Php5,000 on clothes each month, given that your monthly income is Php20,000, then ask a friend. πŸ˜‰

7. Monitoring your savings. Check also if you are saving enough money for contingencies, but it’s entirely your choice if you want to save or not. Some people prefer to spend their money all out.

The Most Important Expense Category

What do you think is the most important category? Is it food? Is it your rent or mortgage? Is it shopping? People tend to prioritize these expenses that many forget one very important category, and for me it’s the most important one: Charity.

Yes, I do have a Charity category and I also set a limit on it, not that I don’t want to overspend on it but I have a limited income like most of you. Some of you may ask: “So you record also the alms that you give?” Yes, I do, because it’s part of my expense data.

The Charity category is included in my first set of categories because I believe in the power of giving. As the Bible says, it is more blessed to give than to receive. True enough, I receive more and more blessings each year and I thank God for that.

So I encourage you to do the same. You can start small, then through time you will feel that you want to give more. It’s better to give to those who are less in life than to spend on something you don’t need. Believe me, you will feel better and you’ll be blessed. πŸ™‚


We Filipinos are resilient and that’s a quality I’m very proud of as a Filipino. We have strong faith and we don’t easily lose hope. The good part is, we don’t move forward alone. We help each other out and we don’t leave somebody behind. While being divided by geography, dialects, and beliefs, Filipinos can unite and stand as one.

I don’t believe that Filipinos are lazy people. We are classified as a third world country because of generations of corruption, not because that we are too lazy to contribute to the community. In fact, many Filipinos take huge risks working abroad. They make sacrifices by leaving their loved ones for a better future. See, if the majority of the Filipinos are lazy, we would see many people starving to death.

We’ve got big issues in our country but I don’t sense hopelessness. We’ve got drug problems, waste management problems, pollution, traffic, corruption, and many more, but I still see people looking for solutions for these seemingly unending problems. Take Mayor Isko of the city of Manila for example. He knows how to deal with such big problems by starting on the small ones. He also knows that he can’t do it all by himself so he asks for the help of his people. He listens to their woes and provides help when possible. He bonds with them on the streets. He shares the same resiliency as the masses. He’s not like a king who’s sitting comfortably on his throne and hiding inside his well-guarded castle.

You know what, it’s not too late. Let us prove to the world that our resiliency can overcome any obstacles. Taal Volcano recently erupted and still spews ash as of this writing. Help is coming from all over the country. Let us continue to do good even if we don’t have much. We are Filipinos and we are resilient.

2019 to 2020

If I could point out one thing that I learned in life, that one thing that made an impact on me greatly, is that being a perfectionist will only cause a huge disappointment.

While it is good and beneficial to strive for excellence in all our endeavors, we cannot erase the fact that we err always. We don’t always make the best decisions and we fail no matter how perfect our plans are. Obviously, the reason is that not everything is within our control. Even if it is already within our control, sometimes we just find ourselves failing miserably. That’s why expecting everything to come out perfectly will only make us feel really, really bad.

We all want a perfect life. We want to have enough money to spend on our needs and wants, we want to have a perfect family, we want to have friends and no enemies. We don’t want to have problems, we don’t want drastic changes in our lives, we don’t want any uncertainty that may derail us from our plans. We want not only consistency but constant improvement in many aspects of our lives, if not all.

The thing is, it’s not always possible. But we can be optimistic even if things get ugly. Let’s do our best to keep everything together no matter how difficult life is. Yes, things could be extremely difficult to turn around, but it’s not always going downhill. Don’t lose hope.

Condo-sharing / Bed-spacing Guide and Tips

Living with strangers is a common thing in Metro Manila. Professionals from far places share rooms with other people to save time in going to work. This is very convenient (and most of the time, the only option) especially for people who live in faraway provinces.

The cost of living in Metro Manila is high. The prices go even higher in central business districts such as Makati CBD, Ortigas, and BGC. Therefore, you should expect that even the price of a bed space is higher than you might assume.

Price Range


House / Apartment


Air-conditioned Room P2,500-P3,000 (or higher*) P3,000-P10,000 (or higher*)
Non-air-conditioned Room P1,500-P2,500 (or higher*) P2,500-P3,500 (or higher*)

* Prices depend usually on the following amenities/features:

  • Wi-Fi Connection
  • Kitchen
  • Television
  • Refrigerator
  • Microwave
  • Rice Cooker
  • Living/Dining Room
  • Swimming Pool**
  • Gym**
  • CCTV
  • 24/7 Security Guard
  • Housekeeping
  • Overall room and bed quality/condition
  • Overall condo/apartment quality/condition

** These amenities are usually found in condominiums only.

The price may or may not include the utilities (electricity and water). Make sure to ask these questions:

  • Does the price include electricity and water?
  • Is there a separate fee if I use clothes iron and/or rice cooker?
  • Is there a schedule on using the air-conditioner? (This is important because the electricity bill is equally divided. You can discuss this with your roommates especially if you have common work schedule. For example, you can decide that the air-conditioner shall only be turned on at 9 PM and be turned off at 7 AM.)

Also, ask these questions:

  • Is the area flood-free?
  • Is the area usually quiet? (If the condo/apartment is along a highway, expect a noisy environment. In this case, you might want to consider an air-conditioned room so that the windows are closed.)
  • Do you have lockers? (This is very important. Before going to sleep or leaving the room, make sure to put your valuables inside your locker.)

Payment Terms

Payment terms vary. It’s usually 1 month advance and 1 month deposit. Ask this first if you have limited budget.

Minimum Length of Stay

Usually, 6 months is the minimum length of stay. If you leave earlier than 6 months, you will usually not get your deposit.

House Rules

Before you sign the contract (make sure that there is a contract!), read first all the house rules and make sure that you agree to them. Some of the important rules are the following:

  • No visitors. (This is for the safety of everyone.)
  • No drinking [of alcoholic drinks].
  • No smoking.
  • No pets.
  • No washing of clothes (except underwear and socks).

There might be tons of rules but strict implementation is more important. Rules are for the benefit of everyone, but if the management fails to implement it, then rules are useless.

Other Options

You can even rent an entire room depending on your budget. This is the safest but the most expensive. It can range from P7,000 to P15,000, or even higher if the condo unit/apartment is located inside the CBD itself.

Also, if you have friends who are working nearby, it’s best to rent with them than to rent with strangers for safety reasons.

Tips / Dos and Don’ts

Before renting:

  • Observe the area if it’s safe. Safety should be your number one priority.
  • If possible, choose an area that is close to convenience stores, groceries, malls, and, pharmacies/clinics/hospitals.
  • Of course, make sure that it’s close to your work. If it’s walking distance only to your work, the better!

During renting:

  • Make sure that you know that contact number/email address of the owner/management in case of emergencies or complaints.
  • Be alert. There are already numerous incidents of theft in bed spaces. Remember, there are no CCTV cameras inside the room.
  • Pay your rent on time to maintain a good image to the owner/management.
  • If you have roommates who snore loudly, you might want to buy earplugs. πŸ™‚
  • Be sensitive to your roommates. A bed space is meant to be a place for resting, not for partying. So take note of the following:
    • Don’t sound your alarm too loud. Adjust the volume to a level that you’ll be awake, and not wake the entire room.
    • Don’t use the amenities for too long, especially the comfort room, because other people also use those amenities.
    • Don’t slam the door. Open and close the door gently especially if there are already people taking their rest.
    • Use headphones. If you want to watch a video or listen to music, use headphones. Come on, it’s not your room!
    • As much as possible, don’t turn on the lights when there are already people sleeping. Rather, use your phone as your source of light to not wake up the others. If you need to turn on the lights, make sure that you do your things quickly so you could turn it off immediately.
    • Maintain cleanliness. Even if your bed space offers housekeeping, you have the responsibility to be clean and orderly in the room.
    • Don’t put too much food in the refrigerator.Β Leave space for other tenants even if they do not regularly use it.
    • Be quiet when there are already people sleeping.


More expensive bed spaces are usually better in all aspects. But most importantly, the owner/management should always be open to communication in case of emergencies and/or complaints, especially complaints against other tenants. Remember, not all professionals are well-behaved.

Feel free to contact me if there’s anything you’d want to add to this article. πŸ™‚