There are so many ways that we protect your family, specially your kids. Alam nyo yan di ba. Remember how you used to panic thinking your house is not yet baby proofed? Or how you spend days researching what’s the best car seat for your baby? Or how about the time you look for the perfect school just to protect them from bullies? We tend to be over protective with our loved ones di ba? Paano naman tayo? Who will protect us?

The answer to that question is simple. Who will protect us? Insurance. It is one thing that we all should be getting. Ang kagandahan ng insurance, hindi lang ikaw ang protected, pati ang family may security din. And for only P1799/year, may piece of mind ka. Mas mahal pa ang monthly budget sa milk tea mo.

Shop@FW gives you 3 Kanduu plan options for only P1799/year:

KanMend

This plan gives you the protection against 42 critical illnesses. Also included in this plan is a reward of 6 months’ unli KonsultaMD telemedicine.

KanLive

This is the plan for me. I love how KanLive gives me life coverage and comes with 1 year unli medical consults at Aventus clinics for only 1799 Pesos per year.

KanGuard

Payout for accidents or terror attacks, worldwide and also comes with a reward of 1 year global emergency services.

You know what I like most about Kanduu plans? I can buy it anywhere, anytime. Yung kakagising mo lang tapos na realize mo wala ka pa palang insurance and a few clicks on your mobile phone and meron na agad.

Here’s a step by step guide how to buy a Kanduu plan:

Step 1: Visit www.shop.fwd.com.ph
Step 2: Choose one Kanduu plan you want to purchase (KanMend, KanLive, KanGuard)
Step 3: Click “Buy Now”
Step 4: Fill out the application form and upload one valid ID
Step 5: Review application form summary and product summary
Step 6: Pay online via debit or credit card
Step 7: Expect a welcome email and SMS.

Get your own KanDuu plans now at Shop@FWD. Follow FWD on FB (@fwdlife.ph), IG (@fwdlife_ph) for more details. Also check out FWD website if you are qualified for a Kanduu plan.

Using technology to save money is actually more about you using your tech-smarts alongside the actual, you know, tech! There’s no point downloading this, that and the other app if you never actually use them. You don’t have to buy all the latest gadgets, either – all you really need is a laptop or PC and a smartphone.

About those apps…
To save money with apps, you need to make sure you’re downloading the right ones and that you’re using them as often as possible. Cashback apps like Quidco, a couple of comparison apps, an app to monitor your spending and a voucher finder are pretty much essential, If you’re a frequent traveller, then something like Skyscanner is vital as well. Find out more about money-saving apps here.

Do as much as you can online
Ordering groceries, shoes, flowers, furniture; booking flights, asking for advice, banking… You name it, it’s almost always quicker and cheaper to do it online.
Online banking in particular is great because you can check your balances in seconds, which makes late payments and failed direct debits far less likely. Many utility providers will also offer incentives – albeit small – for you to go paperless, so why not?

Ditch your landline
It may be time for you to ask your internet provider how they can make your bills cheaper and if you do still have an old-fashioned landline, then you need to – ahem – ring the changes (sorry, not sorry). Some providers offer the option of broadband without a landline, or you may be able to keep your old fixed phone but for a nominal fee.

Make your thermostat smarter
This actually involves spending money to start with, but it’s guaranteed to pay off in the end. Smart thermostats are at the vanguard of domestic eco-technology as they constantly monitor the temperature of your house and fine-tune the temperature so your heating system uses as little fuel as possible. Some of the more premium models even know whether your home is occupied so they can turn the heating down or off. On average, smart thermostats save householders 10% a year on heating bills.

Change your mobile network
You may have been with your usual mobile network provider for a couple of decades by now, but the chances are that you’re paying too much each month. It’s true that you get a new phone every 18 months or two years, but if you’re trying to save some money, do you really need that upgrade as frequently as that? Part of your monthly bill is the cost of the phone itself, so by jettisoning your network, you could reduce your mobile bill by half or even three quarters.

In some ways, you’re not actually dumping your faithful old provider because the so-called virtual networks like GiffGaff lease their services from the bigger providers. Once your current contract ends, you can go SIM-only and save loads. Of course, you need to save a little bit up for a new handset, but you really don’t need to buy the latest iPhone every two years – you’ve been brainwashed into this mindset! Technology should be your friend, not a financial drain!