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How to Save Money: Tips for OFWs

The goal to save should be a top priority for OFWs because for majority of them, the working abroad stint is a temporary thing. Here are few tips to make the goal towards financial freedom easier:

  • Put your mind to it. Don’t underestimate the power of positive thinking People who are serious about saving money should first make a firm decision to save. Have the mindset that you will save moneyand stick to it.
  • Live below your means. Many OFWs upon receiving their salary would start thinking of things they want to buy like gadgets, appliances, jewelries, etc. Many OFWs and their families would also live a lavish lifestyle that would often leave their heads aching and their pockets empty. It is still best to live a simple life and to avoid spending as much as possible. Spend only on things that are needed and reduce those unnecessary wants.

Read more money-saving tips for OFWs here.

Published in: OFW Tips and Guides

How to Apply for NBI Clearance Faster

Need to obtain an NBI clearance? Save time by going online. Just follow these simple steps and you’re good to go!

Online Application for NBI Clearance


Step 1: Visit the NBI website at www.nbi.gov.ph then fill out the form. Tick the “I accept Terms of Service” then hit the “Sign up” button afterwards. If you are registered already, simply enter your login details.


Note: Only one valid email address per user or applicant is allowed.


Step 2: You are now ready to fill out the online application form. Be wary of the authenticity of the information you’ll provide. Click the SAVE INFORMATION button after providing all necessary details.


Step 3: Click on the APPLY FOR CLEARANCE button upon checking that all the information you entered are true and correct.


Step 4: Choose NEW or RENEW to specify the type of your application. Also, enter your valid ID’s details then click the “I Agree” button. You may also enter your old NBI clearance number if you are to renew the document. After clicking “I Agree”, you will be informed of an Important Reminder. Please read carefully. It is available in English and Tagalog languages. Click OKAY.


Appointment and e-Payment

After registering, you can now choose when you want to appear in any NBI center you desire.


Step 5: To set an appointment, choose which NBI branch where you want your clearance to be processed and your desired date.


Note: To set your appointment schedule, please click on the AM or PM button.


Step 6: On the PAYMENT INFORMATION, you’ll be asked to specify the purpose of your application (Abroad or Local) and the detail.


Step 7: Now, you are ready to choose the type of payment.


Note: An additional service fee of 25 pesos to be charged if you’ll pay outside NBI OFFICE.


You may verify the status of your application by clicking the Transaction button found at the left side of the pane.


Now that you are done with your online registration, appointment and e-payment, make sure to appear on your specified schedule for the data, photo and fingerprint capture and for the clearance printing.


I’m A Hardworking OFW, but My Wallet is Often Empty

He is an engineer in the Land of the Rising Sun for almost two years. He has a family as his motivation and inspiration for working hard abroad. But, even with his high salary grade, it seems everything is still insufficient. Why is this so?


Most Filipinos think that if you are working abroad, you are instantly rich. Wrong. Payouts may be higher than here in our country, but it doesn’t guarantee being wealthy in a snap. Not with a family that is overspending from what is being received through remittances.

With the first part of the salary received, things will be bought as a sign that the family is starting to do well. There will be new furniture and appliances. There will be new clothes for everyone. The children will then be transferred from the public schools to private schools. Frequent strolling in the mall will be part of the weekend activity.

For the next remittances, the house will be renovated, or new house will be built on the land that was purchased in a subdivision or village. Whatever the children would want to have would be given right away. Every new gadget that is out in the market and hot for the lifestyle would be bought, even if it is not a necessity anymore.

Overspending and not setting a budget for the family’s need is the main reason why most OFW families are still not satisfied with their life. Even if an OFW work hard abroad, when his family is not wise enough to spend the money he earned, everything will be insufficient for them.

Instead of splurging on luxuries, why not save on the children’s future, a business, medical insurances, and family emergencies. One cannot know how long he will be strong enough to work in other countries, how long he will be far from accidents or disasters, and how secure he is with the company he’s working on. So saving for the future is a first on every OFW family.



Ph: 5th Asian Country with Wealthy Households

According to the new research conducted by the Economist Intelligence Unit (EIU) sponsored by Citi, Philippines is among the Asian countries with the most number of new wealthy households tagged as the “new wealth builders” (NWB).

The research, covering 32 countries, uncovers the Asian households who belong to the “new wealth builders” (NWB).  NWBs are those households who belong to the less popular wealth class with financial assets of $100,000 to $2 million.


NWBs are considered as the new breed of rich people who are mostly self-made professionals, corporate executives, and entrepreneurs. They make progress through hard work and compassion and they embody the positive aspects of globalization. NWBs are regarded as the fastest growing segment of the global economy.

Leading the race to riches is India with a projected expansion of 47.4% or 4.9 million wealthy population between 2014 and 2020 followed by Indonesia. Its number of NWBs is expected to jump up to the rate of 41 percent. Vietnam ranks third with its NWB population projected to grow by 35 percent. Thailand comes fourth with 24 percent expectancy growth and the Philippines as the fifth growing country with 22.8 percent anticipated expansion.

Meanwhile, below is the average growth in number of NWB households by region:


  1. Latin America -  11.1%
  2. Asia Pacific -  10.1%
  3. Russia & Central Eastern Europe - 9.0%
  4. Western Europe – 2.5%
  5. North America - 2.0%

Source: EIU


Just Causes for Termination of Contract By the Employer

The employment contract of an OFW may be terminated by his or her foreign employer prior to the completion of a two-year service due to any of the following reasons/causes:
  • serious misconduct
  • willful disobedience of employer’s lawful orders
  • habitual neglect of duties
  • absenteeism
  • Insubordination
  • Revealing secrets of establishment
  • Violating customs, traditions and laws of host country
  • Violating terms and conditions of the employment contract
If the employer decides to terminate the contract and services of the OFW employee, the OFW must shoulder costs of repatriation. However, due process must be observed and the OFW may have the chance to explain his side.


Be totally informed about your rights, learn more about this topic by reading OFWGuide: Valid Reasons Why a Work Contract Gets Terminated.

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