APPS | Snapcart: Snap Receipts, Get Cashbacks

The frugal person in me has once again reigned due to the recent increase in expenses I had to deal with during the past months. First, I'd have to blame it on the spike in my electricity wattage consumption because of daily night-time use of our  old air conditioner. Shet sobrang init; abot singit! Second, I've been experiencing bad days in school and what better way is there to address this than to stress eat? I would often buy lots of food and chips haha. So it's safe to say I've gained some weight haha!

Spending more than the amount I used to, I became more aware how difficult life is for a lot of people. That's why I looked for ideas on how I could save some cash or at least get some rebates or cashback from purchasging (ergo, shopping). Luckily (or not haha),  I came across this app called Snapcart.

Essentially, Snapcart allows us buyers to get cashback from our purchase receipts. Snap receipts, earn cashback. There are a number of store receipt types allowed by Snapcart and these are enlisted far below. What we just need to do is click on the "snap" button when you open Snapcart. This will switch on our phone's camera and allow us to take clear (emphasis talaga on readable kasi they reject the snapshot if it's not readable) shots of our receipts.

Meanwhile, stores subscribed to Snapcart like Robinsons Supermarket, Savemore, SM Hypermarket and Mercury Drugstore are given insights on our purchases as buyers or shoppers. The information obtained from the receipts will give them what our preferences are when it comes to brands, what time we usually shop, how healthy we eat, etc.

Here are what you need to know about Snapcart:

1. How much is the cashback? How to maximize cashback?

The amount of cash rebated back to you will depend on how much your purchase was. Check out the Snapcart receipts amount range and you'll easily determine how much the cashback will be once they've processed the receipts you snapped.

HEALTH | Am I Depressed? Signs and Symptoms of Depression

Filipinos are known for their resilience and perseverance. This is mostly represented by the large number of overseas Filipino workers (OFWs) deployed worldwide, the majority of which are trying out different jobs just to send money home for their families to live better lives at the expense of lost bonding time and homesickness.

Image Source: healthbuzz

This resilience, however, plays like a double-edged sword not only for OFWs who in some occasions,just accept the fate that being far away and losing their comfort zone are what it takes to give their families a better life, but also for young students subjected to external stress-inducing thoughts like the influence exerted by peers, the need to succeed in life, the aim to be independent, the urge to give back to parents.

Resilience entails self-control at its peak height with a running disadvantage of emotional wear and tear.

The young generation, tayo na maraming pangarap sa buhay, has felt the need to keep things to ourselves in one way and on the other, has resorted to social media posting rather than talking it out with the people close to us. Yup, marami sa atin ang nagpopost ng galit natin sa mundo via Facebook or Twitter. At some point, kahit na yung mga hinanakit natin tinatago na lang natin, pati mga failures at disappointments natin sa sarili natin pati na din sa iba, has taken a toll on us.

Image Courtesy: Adrian Hillman (Getty Images)

Because the notion of resilience is embedded in our society, na "sila nga nakaya, ikaw pa kaya," or na "wag ka ngang ganyan, hindi ka dapat malungkot kasi may iba pa diyan na mas naghihirap sa atin", it is harder to detect the real number of people who have depression. Minsan, kailangan natin sabihin sa ibang tao mga hinanaing at problema natin. Kailangan talaga natin ng mga makikinig sa atin, kasi masarap sa pakiramdam na may (mga) taong nandyan para satin kahit lang sa minutong nakikinig sila satin.

Opening up is key to getting the help that we need in order for us to feel better. But the question is, ano nga ba ang depression? Paano malalaman if depressed ako?

If you feel sad or miserable most of the time, posibleng may depression ka. To know if you need to go see a psychiatrist, you may be feeling at least five (5) of the following sa loob ng hindi bababa sa two (2) weeks.

 Una, nakakaramdam ka ba ng alin man sa dalawa?

• depressed mood (hindi mapawing kalungkutan)
• lack of pleasure or interest (yung mga gusto mong gawin dati, hindi mo na magawa o wala ka nang interes na gawin

Kung oo, napansin mo bang nagkaroon/nakaranas ka ng mga ito (at least 4) sa mga nakaraang linggo?

• weight gain/loss (pagdagdag o pagbawas ng timbang nang hindi sinasadya e.g. hindi dahil nag-diet, o dahil masiba lang talagang kumain simula't sapul pa)
• insomnia/hypersomnia (natatagalang makatulog o hindi makatalog sa mga oras na dapat ikaw ay tulog na, o di kaya'y sumosobra ka sa tulog na napapansin na ito ng mga kasama mo sa bahay)
• slowness/agitation (aligaga o hindi mapakali, o pwede ding sobrang bagal kumilos, to a point na wala ka nang natatapos na gawain)
• fatigue/loss  of energy (matamlay, walang enerhiya para gawin ang mga bagay-bagay na araw-araw mong ginagawa, o di kaya'y mas gusto mo na lang na nakahiga ka buong araw at ayaw mo nang bumangon)
• feelings of worthlessness or guilt (para sa iyo'y wala kang kwenta o di kaya'y sinisi mo sarili mo lagi kung kaya't ganoon na ang kinalagyan mo sa buhay)
• reduced ability to concentrate/focus or indecisiveness (hindi makapagdesisyon nang maayos, atras-abante sa pagdedesisyon, o di kaya'y hindi na makaaral, kaya bumabagsak na hanggang sa puntong ayaw nang pumasok sa school)
• recurrent thoughts of suicide/death (bigla na lang sumasagi sa isip mo na tapusin na o kitilin na ang buhay mo)

Image Source: Pinterest

If you feel at least five (5) of the ones mentioned above for at least two (2) weeks, please seek help. Consult a psychiatrist. It will also help if you share it with your family or close friends. 

Remember that you matter. 

Your existence matters. You were born for a purpose in this world. You may not seem to understand what your purpose is right at this moment, but trust me, your life is worth celebrating. You are needed by people. 

You just somehow fail to realize it 'cause in the body-talk sense of it, hindi balanse ang mga kemikal sa utak mo and the doctor can help make you feel better and give you more clarity as to why you're here on Earth. 

Make the move. Seek help. :)

P.S. If you feel you're not yet ready, you may want to try talking to some stranger online via 7cups. It helped me go past the darkness I was stuck in, several months ago. 

JOB | Table of Withholding Tax and Income Tax Rates in the Philippines

This March and April come what most Filipinos parents have been longing for -- graduation day. Alongside this is the anxiety attached with having to leave the premises of the school or university and having to look for work. Congratulations, fresh graduates!

Image Source: Zeenews India

A lot of you will have to wait for at least two (2) months to get the job you'd want. Some will stick with a job that is not what they imagined to be, but is so-so na for an entry work. A few will have to count several weeks more before they meet the occupation they want to take. One or two will pursue higher education, while the remainder will stay jobless for 6 months.

Regardless of what type of industry you land in, which kind of boss you encounter, or how much you'll begin earning, you must bear in mind that you gotta know how much tax to pay to the Philippine government which your employer will deduct from your salary as part of your income tax, now that you've become a part of the productive workforce of the country.

Here is the table withholding tax and exemptions as per Bureau of Internal Revenue (BIR) policy.

Table of Withholding Tax (Philippines) from Leigh Michiyato

Check out the Bureau of Internal Revenue's (BIR) website for more information on income tax or view the Powerpoint presentation on income tax rates for individuals and corporations in the Philippines.

Income Tax Rates in the Philippines from Leigh Michiyato