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ruthdelacruz

travel & lifestyle blog by ruth dela cruz

Category: Personal Finance

Personal Finance

Living My BTS Army Dreams – with a Chance to Be a Twinyonaryo with Maya

December 17, 2025

When our Korean visa was approved, we knew we needed to fly and use it within 60 days. We were granted a Single Entry Visa, and we were afraid that if we didn’t use it, we might not get approved the next time we applied – just like what happened to me previously when I […]

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Personal Finance

Four Factors to Consider Before Selling Gold for Cash

April 13, 2024

selling golf fro cash, money, personal finance,

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Personal Finance

What’s the Ideal Starting Amount for New Traders?

March 23, 2024

Embarking on a journey into the world of trading is an exciting prospect, but for new traders, the question often looms: What’s the Ideal Starting Amount? The allure of potential profits beckons, but uncertainties about the necessary initial investment can be daunting. In this exploration, we will delve into considerations such as the no deposit […]

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Lifestyle | Personal Finance

5 Ways to maximize your savings this 11.11

November 9, 2023

It’s sale season once again and we are all looking forward to the best deals from our favorite brands! With Christmas around the corner – we are also on the lookout for gifts! So I’m sure we all have our alarms ready for 11.11 midnight.  It does not have to be all about spending though […]

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Personal Finance

How to Negotiate Your Salary and Benefits Package

April 13, 2023

After getting past all stages of the application process, you’ve received a job offer. As you and your employer are discussing the specifics of the opportunity, you might realize that the salary and benefits they’re offering fall short of your expectations. Like many professionals, you may find it hard to raise concerns about your compensation […]

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Personal Finance

How to Build a Healthy Relationship with Your Money

January 19, 2023

When we think of relationships, we often refer to them as something that connects us with people. As I live a minimalist life, I learned that we all have relationships with different things, including money. At this point, I would like to think that my relationship with money has improved. I have my savings and […]

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Personal Finance

5 Ways to Reduce Your Food Deliveries and Save Money

December 13, 2022

There’s no doubt that food delivery services have made life more convenient for many households in the Philippines. With a few taps on your phone, you can have food from your favorite restaurants delivered straight to your doorstep. However, this kind of setup does come with a few drawbacks—especially in regard to finances. Most food […]

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Personal Finance

Practicing Money Skills through Money Games

November 20, 2022

I am one of those who used to dread anything Math when I was still in school – particularly, Algebra and Trigonometry. I remember asking myself if I would need these skills when I face the real world. Now that I am navigating life and managing my finances, knowledge of Basic Math is a life […]

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Personal Finance

13 Smart Ways to Spend & Enjoy Your 13th Month Pay

November 7, 2022

It’s the most wonderful time of the year, indeed – and one that employed Filipino workers always look forward to. The season to receive and enjoy their 13th Month Pay. The 13th Month Pay is the payment of an additional month’s salary during the financial year. It is a monetary benefit to employees as mandated […]

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Personal Finance

Achieving My Financial Goals Faster with Maya’s Daily 6% interest rate!

November 3, 2022

Developing a habit of saving money and achieving ipon goals are much more fun and easier now with the Maya app (formerly known as PayMaya). Maya, has become my go-to app for savings since its launch in April. Just recently, the all-in-one banking app has made its offers even better – so achieving our ipon […]

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About Me
About Me

Hello, I am Ruth. This is a personal blog where I write about my travels, little adventures, and current fave things.

For business proposals and love letters, emal me [email protected].

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Latest Travel Posts

How to Apply for a Korean Visa – Credit Card Promo Simplified Application

BTS Locations in Seoul | Things to Do in Korea for BTS ARMY

Where to Stay in Baguio | Azalea Hotel & Residences Baguio

Japan Visa Application | Sample Cover Letter for Multiple-Entry Visa Application

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