Doing your taxes is probably one of the most frustrating things every working person does. Even the more veteran people, when it comes to taxes, would find it hard to do when they don’t prepare for it well. In the Philippines, tax computations are one of the things that a lot of people fear, just because of how stressful it can get.

That being said sooner or later, everyone will have to do their taxes as part of their lives. And for those first timers that have no idea how to do them yet, don’t fret, because if you start out early, you might find it easier to do in the future! Plus keep in mind that there are a lot of helpful websites and applications that make it easier for you to do your taxes! That being said, here are some of the most important things that every first-time taxpayer should know.

BIR Forms

There are many kinds of BIR forms that are dedicated solely to paying business taxes. For example, there are specifics forms applicable for self-employed individuals, employees of companies, and business owners. And there are forms that are to be used by Partnerships and Corporations.

It’s important that you know which one you should use so that you can fill out the right form and avoid penalties. Freelancers fall under self-employed individuals. We, freelancers, are considered non-licensed professionals. They, along with business owners who are sole proprietors usually do their own taxes. While people that are employed would usually have their companies do their taxes for them.

Documents Needed

There are as many steps to the processes as there are BIR forms. Haha! I may be exaggerating, but the what’s for sure is that the steps to be taken take a whole lot of time from a business owner’s day. On the average, a business owner in the Philippines takes 2 days in a month (according to a PWC and World Bank report on taxes) spent just complying with taxes. When starting a business, I highly recommend that one should at least be familiar with the 101s of preparing and submitting your own taxes.

A good example would be to know more about income tax returns. These are forms that need to be submitted as long as you are making some kind of income or receiving compensation. Income is basically your gross revenue less expenses and when you do this, you get your taxable income. This is the basis for your taxes (income tax return). A self employed individual submits and pays for income taxes every quarter (Form 1701Q), the fourth quarter being the “famous” annual income tax (Form 1701 or 1701A).

If you are employed (have a day job) and running a business at the same time, you are considered to be a mixed income earner. How do you report taxes? You will secure BIR Form 2316 from your employer at the end of the year and use the values there and combine it with the income / expenses from your business. You do this only for form 1701 or Annual income tax form.

If you need help in preparing tax form 1701 and 1701A, feel free to check out https://www.taxumo.com and check out their blog. They have useful information for everyone!

Payments

The final step is to print out all of these documents and pay for it at the Authorized Agent Bank (basically a bank that accepts BIR payments in the city of your business).

Please prepare 3 copies for all of your accomplished BIR Forms along with the required deposit / bills payment slip and your payment.

In some cases, you won’t be needing to pay anything, and that would entail a “No Payment” Situation. These include refundable/ creditable tax returns, returns with excess tax credit carry over, and returns that are qualified for a second instalment. These “no payment” transactions just need to be filed and stored together with the BIR confirmation via the eBIR Forms system.

Key Takeaway

This article detailed the very basics of what you need to know about taxes. In the Philippines. Tax computations are frustrating, however, as long as you prepare everything and do it as early as you can, you won’t have a problem with doing your taxes any time soon.

If you need help with understanding all of these still, just ask Taxumo.

P.S. I’m a co-founder of Taxumo, whose mission is to help people start and sustain a business! 🙂 Feel free to contact us!

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After going through your WHY (why you want to create a blog or vlog) and after contemplating if you can actually be consistent enough to sustain this, then it’s time to think about creating content.

THE FIRST TEN

If you’re a first time blogger or vlogger, try to start creating your first 10 articles or your first 10 videos first. The first 10 that you’ll create will be important, because during this time…

You’ll be able to identify topics that you really want to write about.

As time goes by, there will be many distractions. Distraction comes in many forms like brands inviting you to write about their products and services. Another distraction is seeing that not a lot of people are reading your content. You’ll try to shift gears and try out a lot of tactics like holding a contest, etc. Sure, it may work once or twice, then your stats (number of page views or visitors) will go back to how it was before you ran contests. Also, you may be distracted by what other bloggers or vloggers are writing or vlogging about. You’ll think “I should write more about what these bloggers are writing about.” Creating content will surely stress you out!

I’m not saying that experimenting on different things is bad. In fact, I encourage it. But during this time that you’re thinking about the first ten things, this is time that you’ll be least distracted

You’ll start knowing yourself better and you’ll start thinking of your Personal Brand.

In the first part of this series, I mentioned that consistency is key. In the process of creating the first 10, you’ll know if this is something that you can sustain. You’ll also have a clearer idea on where you want to take your blog — what topics do you want to write about and if you’ll have enough content to last you a lifetime. The ten topics that you choose are most likely the things that you want to talk about.

Also, you’ll, be able to start thinking of the type of audience that you want to talk to or you want to attract.

I’ve written a few articles in the past about Personal Branding and Branding for Blogs. Check out these links:

In creating content, some of you may ask, where do I write my articles? Just write it in a Google Docs or in Microsoft word. For the videos, you may do simple edits even or just use a raw file for your first few content. These things need not be perfect. You just have to get it done and then review it.

HOMEWORK:

For aspiring mom/dad bloggers or for any aspiring blogger out there, you can do this first Homework.

Please create your first 10 posts or videos

If you’re done with this, I can help you by going through the content with you, and we can even talk about branding and content after. For those who also want to learn more, you can fill out this form as we’re thinking of running a blogging workshop soon with my friends Cat Arambulo, Jackie Go and Shari Poquiz.

Now, in creating content for your blog, my basic tips for you are:

  • Choose topics that are somewhat “evergreen”. Evergreen content are topics that can be read, re-read, used, linked back to for all eternity. No matter what year it is in the future, it will be RELEVANT.
  • Another thing that you want to do is at least check and edit your content. I am guilty of sometimes not checking and reading the posts that I create. I’m the type of person who thinks and writes with PASSION and gusto. Haha! Then I just hit the publish button. That may be something that you might do when you’re confident enough that you won’t be making major Boo-boo’s. But if you know that your weakness are sentence construction, spelling, etc., you might want to use https://www.grammarly.com/. Not endorsing here, but a lot of my content writer friends are using this tool.
  • Have a relevant and catchy title (at least) for your first few posts. Let’s face it, people love to click on posts that have catchy titles. Write a clear title and please have content that’s really related to the title. I’ve seen content with titles that are way unrelated to each other.
  • Length (for me) doesn’t matter. So there is no expected number of words or expected length for your video. Put yourself in your readers shoes, would they get the gist of what you’re saying in 2 paragraphs? Will they want a longer post or video so that you can give them the lo-down on the stuff that you want to teach? So it really depends on what your audience will eventually like to read or watch from you.

These are just a few tips on creating the content that you need for your blog / vlog. If you have other questions or if you’d like to share more tips, please feel free to comment below or share your tips and questions on social media and use #GINspiration and tag any of my social media accounts (FB: http://facebook.com/mommyginger / IG: http://instagram.com/gingerarboleda / Twitter: http://twitter.com/gingerarboleda )

Hope you can connect with me and I’d gladly reply and respond to your inquiries! Again please feel free to sign up above if you want to join our blogging workshops coming soon!

We have a lot of mom bloggers in the Philippines. And I mean a L-O-T! Just scroll through Instagram or search on Facebook and you’ll find them. My own team in ManilaWorkshops.com conducts business and freelancing workshops, and oftentimes, people ask us to do Blogging 101 workshops.

Those mom bloggers who have been in the industry for a long time now find this space to be very congested already. Notice that I used the word congested, since I didn’t want to describe the landscape as competitive. There is nothing to compete for anyway. The reality is that more and more people have started blogging and that’s okay. What’s sad though is that most of them join this industry not because of the love of the craft, but because most think that this is the easiest way to earn extra income.

Image captured by Veni Anabo: https://journeyofthevees.wordpress.com/

That latter reason of wanting more income isn’t bad, too, but then it leads people down a path of depression and loss of self-worth. We equate the number of readers, the number of followers, the number of comments and the number of likes with our worth.

There are many challenges that mom bloggers have to overcome. This is the reason why Mommy Pehpot of https://www.pehpot.com/ and I did this live session. Check out the video above.

When I asked my friends who are deemed successful bloggers like Frances Sales of http://www.topazhorizon.com/, Cat Arambulo – Anotnio of http://catarambulo.com/, Shari of http://www.themistymom.com/ and Jackie Go of http://gojackiego.com/ though if they really planned to earn from blogging, all of them said that it was purely accidental. Looking back at my journey, too, as a blogger, I never really intended to earn from MommyGinger.com. I just love writing. I also am very passionate about learning trying out new things. Family and friends know me as an early adopter when it comes to trying out new platforms, new activities, etc.

So in terms of monetizing your mommy blog, it will take time. When you create and start your blog, don’t think about money first. Money will come eventually.

The first thing that you need to take care of is creating consistent content for at least 5 months, then see if this is something that you can do and something that you love doing. Why 5 months? When you want to come up with at least 21 posts every week, that will take you 5 months.

Aside from writing the content in your blog, don’t forget to use social media to amplify your message. Create a Facebook Page, Twitter account and an Instagram account. Then every time come up with content, share and announce your new content in these channels. It may even be good to think about creating videos, too. People love watching videos on Youtube, Instagram TV and even other platforms like Kumu (please follow me on Kumu @ginger… hehe!).

After 5 months of delivering consistent content and see if you can continue doing this for the rest of your life. I’ve been blogging for 11 years already, and i’m still happily doing this. So if you’re like me after 5 months, comment on the section below and say, I’m READY! haha!

I’ll be coming up with other topics about mom blogging soon so stay tuned for those!

Also, my friends (Cat, Shari, Jackie and I) have been talking about creating a workshop on blogging. We will announce this to people who are truly interested! If you are VERY MUCH interested to join, please fill out this form:

So just to recap on how to get started, the first thing that you need to do is to know the reason why you want to have a blog. Will you be able to remain consistent in the years to come? Try to write (even without a blog) your first content this week and see if this is something that makes you happy! 🙂

Stay tuned for my next post for mom bloggers 😉

Our grandparents, parents and even us (parents of this generation) were brought up in an environment where education was more about memorization. For most of us, school was a stressful environment where we needed to get good grades to be on the honor roll or to at least not get kicked out of school. This is the reason why the things that we aim for, the things that we prfioritize and goals don’t truly make us happy humans (even if we’re successful).


Happy humans live in an environment where the focus is on self – development and respect for others. The highly competitive environment that we were exposed to just bred a lot of jealousy, dependence on others for self-validation, manipulation, etc. Times have changed though, and for parents like us, we know that a lot of the formative years of people is during their younger years — when they are curious and when they love exploring and learning new things. During these years, we try our best to expose them to environments that will help them to eventually be happy and independent adults.

So how do we determine what quality education is and what kind of environment should we look for? What do we want our children to be when they grow up? What should we aim for (if aim is even the right word)?

I think as parents, the most that we can do is try to bring up our children to be independent and always curious about the things that surround them. This was what I realized when I listened to the briefing of the Izumi Philippines last week.


I’m the type of parent who’s always curious about different things when it comes to the education of my child. I want to test and try different methods and see which will work best for Zeeka. When I heard about Nippon Math (brought in by Izumi Philippines), I was curious to find out and see what it was.

Izumi under i-cube Ltd. in Japan has been in the industry for 42 years already. There mission as a company is to continue to improve themselves so that they can develop people and contribute to society. They manage 60 schools across Asia and they hope to build more that 20 centers here in the Philippines this year.

From what I have gathered, Izumi cultivates an academic culture of intellectual curiosity, independent learning and character building, embodying the principles of Japanese quality education of discipline, punctuality and cleanliness. I’ve been to Japan and truly, these values are seen in every Tom, Dick or Harry that you meet in the street. Once we
asked a saleslady for directions to exit a mall. I was so surprised that she left her post and went down the escalator with us just to lead us to the exit. We were amazed at how much concern, respect and discipline (leaving her stall showed how much she trusted people around her) the Japanese people have.

What Izumi will offer to the Philippine market is supplementary education for Math. What I have seen is that their value proposition and what makes them different is that they make learning Math enjoyable while also teaching the other values like discipline. For example, the students don’t get to touch the materials until it’s time to do so. They also have a structured but super FUN class! They have materials that make kids want to learn more. Zeeka had a fun time doing the activities! She loved the leaping frogs the most! haha!

If you want to know more about Izumi and if you’re interested to franchise and be part of Izumi Philippines, I can tell you offhand that the fees are actually very reasonable. What they look for in their Partners (franchisees) are that they:

  • Should have a passion for education
  • Should be ready for a long term commitment
  • Graduated college
  • Can foster a good relationship with students and parents
  • Can focus on their centers

Breakeven on Return on Investment (ROI) will take you around 1-2 years.

Izumi Philippines conducts orientations often. If you are interested to join, you can sign up here: https://ph.izumi-global.net/registration-form/

You can also call them via numbers (02) – 692- 5279 /  0967 207 0545

I now have a yaya, and things have been a bit less stressful these days. Thank you, Ate Niks, for helping us out. As moms, we need to admit that at certain times in our lives, we actually need help (whether it be from your husband, parents, from helpers, etc.).

Speaking of help, since I know have extra time, I’ve been doing a lot of vlogging and research for my blog. Yup! Having a blog is no easy task. We don’t just take fancy pictures of the products that we have. We actually test them out and stand as guinea pigs no matter how grave the consequences are. I remember having severe rashes years ago when I tried out a lotion brand for the first time. I had rashes all over my legs. That time, I wasn’t too careful yet.

Now, I make it a point to test products on a small section of my skin before using them. I am extra careful now, especially for the things that I use for my daughter.

I now love products that are particularly made for sensitive skin, so it saves me the time to go through the plethora of products in the market. Recently, I discovered Nimble Babies, which is now in the Philippines (@nimblebabies.ph). Nimble is actually a brand from the UK and their products are all made to be child-safe and friendly.

These are the three products that I’ve tried from Nimble Babies Philippines:

Nimble Sticky Stopper Antibacterial Toy & Surface Cleaner

As mentioned in my video, I use it to clean Zeeka’s iPad case. Also, I use it to clean the dining table. You’ll never know when your kids pick up food that fall of from their plates. No matter how frequent you tell them to not to eat things that fall of from plates, they don’t listen.

Nimble Sticky Stopper removes sticky and greasy residue from food, chocolate, fruit juices, milk, etc. It also kills 99.9% of germs without using bleach. Bleach is such a strong chemical that is usually the dilution of sodium hypochlorite.

The Nimble Sticky Stopper from Nimble Babies Philippines uses lactic acid, a natural disinfectant derived from fermenting sugar. This is why it is safe for kids and you can use it to clean potties, high chairs, play mats, bibs, etc. It’s also fragrance-free so even if you use it on the dinner table, it’s fine. Some cleaner’s scent go against the aroma of food.

Nimble Milk Buster Baby Bottle Cleaner

Nimble Milk Buster from Nimble Babies Philippines makes cloudy and smelly plastic tumblers a thing of the past. It removes milk fat and proteins from containers making them free from cloudiness and nasty odour.

Usually, the liquid soap that we use for cleaning plates, etc. are mostly designed to wash away food grease and oil. This Nimble Milk Buster is especially formulated to take away milk fat and proteins from plastic.

Nimble Milk Buster does not contain chemical nasties like sulphates, dyes, enzymes, and chemical fragrances that can potentially cause irritation.
Because it’s safe to use, I use it to clean Zeeka’s plates, utensils, cups, etc. I personally use it to clean my coffee cup, whenever I have my latte. You can use it following these three easy steps:

  1. Add a bit of water into the container/tumbler.
  2. Spray Nimble Milk Buster 2 times.
  3. Brush, rinse and relax.

Nimble Laundry Lover Non-Bio Detergent

And last but not the least, check out the Nimble Laundry Lover. I use it to remove food and pee stains from Zeeka’s clothes. It’s safe for our sensitive skin, because it is made from 88% naturally-derived ingredients. It has a lovely light powdery fragrance with no allergens. Zeeka and I are prone to have allergies when we use strong and harmful detergents. With this, we didn’t experience any allergies. To make it skin friendly, it’s free from irritating enzymes, optical brighteners & dyes.

Just one capful will go a long way. They say that it can last up to 25 washes. I’ll try to finish one container and I’ll let you know. This can be used for both hand or machine wash.

Even if it’s gentle on the skin, it’s tough on stains! It removes stains like chocolate, tomato sauce, baby food, fruit juices, grass, mud, and more. It also takes care of the color of your clothes and doesn’t damage clothing.

So that’s it, peeps! Do check out Nimble Babies Philippines products.

Facebook: Nimble Babies Philippines

Instagram: @NimbleBabies.ph