Work from home ideas: 10 ways to make money online in the Philippines

Not enough savings? Buried in debt? Living paycheck to paycheck? 

Sometimes, managing (especially reducing) our expenses isn't enough. You don't want to get sick because you cut eating meals into twice a day instead of thrice. That's going to be an additional financial burden.

Do you want to work from home?

The solution therefore is to earn additional sources of income. And now because of technology, people can actually make (additional) money online now in the comforts of their homes. 

Here are 10 ideas how to work from home for Filipinos and start making money online:

1. Freelance work or online jobs

Because of technology, a lot of jobs are now being outsourced all over the world. Thus, online jobs are now available. 

Luckily, Filipinos are known to be skillful, full of talent and hardworking. Earning few dollars is already a big thing here in the Philippines.  

Thus, a lot of Filipinos today are doing virtual assistant jobs. A lot are doing it as a part-time income online but some already made it a full-time job. 

Just imaging working at the comforts of your home. No more heavy traffic and you own your time. 

However, freelance work and online jobs may not be easy. It requires skills, dedication and constant learning but is truly doable. 

Here are some skills and services that are perfect if you want to get a freelance work online: 

- Graphic Design

- Android/IOS Application developer

- Content Writing

- Virtual Assistant

- Technical support/Customer Service

- Social Media Marketing

- Email Marketing 

- Online Video editor

- Logo Design

- Data Entry and Online Typing Jobs

- Search Engine Optimization Services (SEO)

- Internet Research

- and many more..

Famous sites you can go to:

International freelance websites:

- Upwork (www.upwork.com)

- Fiverr (www.fiverr.com)

- Freelancer (www.freelancer.com)

Filipino Freelance websites:

- VirtualStaffFinder (www.virtualstafffinder.com)

- MyOutDesk (www.myoutdesk.com.ph)

- OnlineJobs.ph

2. Sell stuffs online and/or build eCommerce website

You can sell physical items online like clothes, gadgets, even cars or basically anything. By using media like Facebook or Instagram, you can create your own business page where people can inquire, ask quotations and schedule for meet up. 

Transactions are usually done by meeting up or through delivery. However, a word of caution as scams are also evident online, so its best to be careful especially when payments are done online. 

Another way is through building an eCommerce website. Where you can set up an online store, have a secure payment process (usually through PayPal) and have an effective delivery system. 

3. Blogging

Blogging was once done as a hobby, but now can be a lucrative source of income online. A blog is basically a website where you can write anything you want. Usually informative, educational, entertaining or inspiring. 

You can be a food blogger, travel blogger or even a financial blogger. Then by building significant number of readers, visitors and traffic to your blog, you can then monetize it by adding relevant advertisements. 

Online advertising works the same with physical advertising. Have you seen those big banners with "Ads space for rent?" A company can rent a space in your building and place an ad banner. Same thing with online advertising, an advertiser will rent a "digital space" in your blog. 

Make money online as a blogger

However, just like physical advertisements where a good location is a big factor (where a lot of people can see the ad), your number of online visitors called traffic, determines how well you will earn as a blogger.

That's why choosing the right niche (specific blog topic) is also very important if you want to be a blogger and earn through advertisements. 

Good niches that can potentially receive good traffic are:

- news

- showbiz

- technology (especially gadgets)

- food and lifestyle

- travel

- relationships, family and marriage

- and even finance 

Turn your passion into profit, create a blog that you love to write about, work from home and make a decent money online! 

4. Affiliate Marketing

Affiliate marketing is basically promoting other people's products online. Unlike an e-commerce website where you need to sell your own physical products online, by being an affiliate you just promote somebody else's products and receive a commission when someone buys from your promotion. 

An example would be by being an affiliate of Amazon or an affiliate of Lazada here in the Philippines. You just apply as an affiliate, fill-up some forms and upon approval, you will receive a unique code called an affiliate link. 

This affiliate link will be coded specifically to you. Meaning, when one clicks your affiliate link leading to a certain product and that person buys you will receive commission in return. It works like a referral system. 

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52 Week Money Challenge + FREE Downloadable Template

It's the start of the New Year and people now are making resolutions. 

"I will finally exercise every day."

"I will eat healthy foods." 

"I will save money"

"I will hear mass every Sunday!" 

and more...

One of the famous "challenges" especially during New Year is the 52 week money challenge. 

Do you accept the 52 week money challenge?

The challenge starts with 50 pesos and the amount you need to save increases by 50 pesos every week until the end of the year (for 52 weeks). 

Example: 

Week 1: Jan 1-7: You need to save 50.
Week 2: Jan 8-14: You need to save 100.
Week 3: Jan 15-21: You need to save 150, and so on and so forth. 

When you continue saving this way, you will be amazed that you will be able to save 68,900 pesos at the end of the year just by saving increments of 50 pesos per week! 

Amazing isn't it? Don't believe me? See the table below:

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How to find, discern and discover the perfect career for you

There's no one-size-fits-all, perfect career for everyone. Every individual is and will be attracted to a specific career.

The only challenge is that a lot of people are overworked and underpaid. Thus, they may love the job but hate the pay.

Others may love the pay, but they hate their jobs.

Worst, people hate the job, and totally hate the pay too! (what a disaster) 

It's quite challenging to find that perfect "love the job and love the pay."

So here are some meat to chew on, to hopefully help you find, discover or discern that perfect career for you.

How to find, discern or discover the perfect career for you

Incident #1:

My mother is involved in sales and has a huge sales organization in the cosmetics industry.

Back in high school when I was helping her out in what little way I can, I also help sell cosmetics (imagine a guy selling perfumes and underwires, what an experience!) 

Then, I got a not-so-good experience:

I followed-up my high school teacher a week before her due date and she told me, "Kasayo sad nimo maningil ui. Di ka kahibalo mamaligya da." (you ask for the payment too early. You don't know how to sell.)

After that, I told myself, I'll never be a salesman!

RESULT: I became a financial trainer selling financial products and services

Incident # 2:

When I was in college, I took BS-Chemical Engineering.

I never like repetitive tasks. So I told myself, "When I work, I don't want to be in the Quality Assurance Department." 

No offense but, being in the QA/QC Department, the tasks are almost the same everyday testing and monitoring certain quality standards. 

RESULT: You guessed it right, I landed a job as a Quality Assurance Supervisor after taking the board exam.

Incident # 3:

When the telephone was still very new, my brothers and sister have what we call before as, "call-mates." They spend hours on the telephone doing "telebabad" (long talks over the phone) 

I was the only one who doesn't have a call-mate. (If I remembered it right. Hehe) 

So I never really was comfortable talking to people over the phone. I feel like we are talking so close (ear-to-ear)! Wew, what a terrible thing to imagine. 

So when I became a full-time financial trainer after quitting my job as a quality assurance supervisor, I hated contacting prospects over the phone! 

RESULT: I have no choice but to contact prospects over the phone. 

Now connecting all the dots, I realized that I was too focused on the things that I never wanted. 

And I don't know if you believe the law of attraction or not, but truly - "What you focus on expands." 

And during these times of quarter life crisis (which I believe everyone undergoes) I made a decision to focus on a career that I wanted. 

As IMG coach, Xuan Nguyen said: 

"Find something to believe in and put your life to fight for it!" 

So I made a blueprint (outline) of all the possible careers out there:
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Want to achieve financial freedom? Here are 15+ sources of passive income

One of my favorite financial mentors is Mr. T Harv Eker. He is the best-selling author of the Secrets of the Millionaire Mind. 

One of my favorite topics was when he discussed about winning the money game. 

To win the money game is to achieve Financial Freedom. He defined it as "living the lifestyle you desire without having to work or rely on somebody else for money."

In short, having enough passive income!

With enough passive income you can be financially free

In my Cash Flow Upgrade ebook (click here to download for free), I mentioned that the ideal scenario is that our cash inflow should be greater than our cash outflow or in short:

Living below your means: Income > Expenses

However, if we want to be financially free, our passive income should be greater than our expenses, thus:

Financial freedom: Passive income > Expenses

The question now is, are we building a source of passive income?

To give us an idea, here are the two major the sources of passive income: 

1. Financial Instruments - money working for you.

2. Passive Business Income - passive business working for you.

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D.I.G. - The Key to Achieve your Dream Lifestyle

I just completed an e-course on personal development and online entrepreneurship. And in every learning opportunity, I always remember and apply the best part that struck me the most. 

It was about visualization and achieving your dream lifestyle. 

Before I share what I learnt, I would like to ask you some few questions and I'll try to emulate as much as possible the way the trainer did the visualization exercise. 

time and financial freedom with family

Let's start: 

How do you see yourself three to five years from now? 

Can you see yourself having enough savings and investments? How much are you earning by then? 

Can you see yourself inside your dream house? How big is it? How many rooms? 

How does your dream car look like? Can you see yourself riding your dream car? 

Where do you want to take your family for a vacation? Imagine yourself very happy spending quality time with your family. 

How does your dream lifestyle look like? 

Pause. Internalize the questions and start visualizing. Get lost in your imagination if needed. After that let's continue..

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Three reasons why having a job should be temporary

Wealth file #11: 
Rich people choose to get paid based on results.
Poor people choose to get paid based on time. 

From the Secrets of the Millionaire Mind of T Harv Eker, the 11th wealth file we need to have is to choose to get paid based on results. 

Every time I conduct a talk and ask the audience:

"Who among you here are under-worked and overpaid?" Everybody seems to laugh!

but when I ask, "How about overworked and underpaid?"  All hands went up. 

You see, a lot of us, are not paid with what we are worth for. Why? Because as Robert Kiyosaki would say, we are all been programmed to "Go to school, have good grades and go find a secure and stable job." We are programmed to choose getting paid based on time. 

Getting paid based on time is exchanging your valuable time for money. Regardless of the work, you are paid. Even how busy you are, or even if you are sleeping inside the laboratory, you are still paid as long as you punch in the bundy clock. This is normally called as a J.O.B. (Journey of the Broke)

Having a job should be temporary

I am not saying that jobs are not good. In fact, it is one of the reasons why our economy is booming. However, jobs should not be the end result. 

Here are three reasons why having a job should be temporary: 

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How to get more money?

Hi! Teof here, admin of Life at IMG. You can also call me Tiyo Pilo. Just last weekend (Aug 19 to 21) I visited my IMG members in Makati. It was a promise when one of them gets promoted to a trainer position, I will visit them. And fortunately enough, one of them did get promoted. 

The beauty of the IMG career is that wherever you are in the world, as long as you are interested to learn about finance, IMG can help you. I am based in Cebu, and my team is based in Makati. I have a team here in Cebu and do have a few IMG members in CDO, Bohol, Leyte, and even in Singapore. 

What I love about my experience visiting my IMG members in Makati is that I was able to observe how the IMG financial center works and to my expectation, they operate the same way as Cebu IMG financial center. Talk about having a great system! It means, as long as you are an IMG member, going to any IMG financial center like CDO, Davao, Dubai, Hongkong, or Singapore - you get the same level of experience. 

International Marketing Group office in King's Court Bldg, Makati. 

But what I love the most is finally meeting my team in Makati for the very first time. We did a lot of coaching and did their overdue promotion recognition. 

IMG Makati Team

However, what struck me the most was after the recognition, some IMG members in Makati approached me and said, "can we take a picture of you? I am a FAN of your video courses!"

Wooooah! So this is how it feels like to be a celebrity? Haha kidding aside, it was an amazing feeling of being able to help people by giving value through my video courses with or without knowing who learns from it. 

It was just very timely because I have been reading Bro Bo's ebook: "How to Turn Thoughts into Things" and I was able to experience and thus conclude how you get more money. Here it is: 

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Money Machine Concept: If something happens to you, how much are you worth?

What if you own an automated teller machine (ATM) that dispenses money every month for the rest of your life, what will you do with it? I'm pretty sure you'll take good care of it. Keep it clean, place it in a safe area and lock it. You want it protected because the machine is very valuable. 

The same is true with your earning ability. You are the money machine of your family and you provide them through your monthly income. But, have you been taking good care of yourself? Have you protected yourself? 

Let us understand how to fully maintain ourselves as the money machine of our families.

You are the money machine of your family

Assuming your ATM dispenses 20T per month and suddenly it breaks down. You have it repaired but to your surprise, it now dispenses only 10T per month. Will you be happy? 

Now relating to our earning ability, let's say we are earning 20T per month, what if something happens to us (example: accident, job loss, health degradation or worst case - death) can we still provide to our families? How much are we worth as a money machine?

Sometimes its very ironic, when we have a car worth 1 million, we have it insured for 1 million. When we have a house worth 5 million, we have it insured for 5 million. But when it comes to us, as a money machine to our families, we are usually under-insured or no insurance at all! Now, which or who is more valuable, the car? The house? Or you? And if its you, how much are you worth?

Are you properly insured?

Now using the 10/20 Rule: 

Annual Income x 10 = Protection Needs

Related Article: 10/20 Rule: How To Compute And Achieve Your Retirement Goal?

So if you are earning 20T per month using the 10/20 rule:

20T x 12 = 240T annual income

240T x 10 = 2.4M protection or insurance need

Therefore you are a 2.4M worth of a money machine. When something happens to you, your family will receive 2.4M. It is also then important to financially educate your family so that they will not spend all the money they received but learn how to invest it. 

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Stop the dream boards and make them come true

Everyone is familiar with the “law of attraction” and that is why most of us, surely, have had these dream boards. We understand the importance of visualization and that we cut down some pictures of your dream house, car and/or vacation. The challenge however, is that these dreams remain dreams even until now. Years have passed and they still remain as dreams, until such time we remove our dream boards and bury them together with our heart’s desires.

One of the reasons why our dreams will never really come true is because we still need to turn them into financial goals. Here are 3 ways how to turn your dreams into financial goals, stop the dream boards and start achieving them:

Turn your dreams into reality

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Top 5 Reasons Why We Need to Save

Everyone wants to achieve financial freedom. We all want to be wealthy. Thus, we ride a vehicle called a job or business in order for us to earn income. This income provides temporary security and helps in paying our bills. The income we earned goes to spending and/or saving. However, because we are already exposed to spending money even at an early age, majority of our income goes to spending and there may be little (or none at all) left for saving. Thus, it is a must that we should also consider the importance of saving money. Here are the top 5 reasons why we need to save and why it is important to realize and start saving before it is too late.

We need a reason to save money

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How to create a cash flow plan - budgeting basics

"A budget is telling your money where to go instead of wondering where it went." -John Maxwell

Budgeting is one of the tools needed in financial planning. It is writing down what you have today (income and expenses) and spending your income on paper before the month begins.

make a budget plan

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Increase Income by Managing your Cash Outflow

In a cash flow diagram, there are two money streams: the cash inflow and outflow. To increase one's cash flow is to manage these cash flow streams: earn additional income for the cash inflow stream and manage expenses and budgeting for the cash outflow stream.

Today, let us learn how to increase our cash flow by managing our cash outflow streams.

Increase income by learning to manage your cash outflow

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4 Sources of Income to Increase your Cash Inflow

In a cash flow diagram, there are two money streams: the cash inflow and outflow. 

To increase one's cash flow is to manage these cash flow streams: earn additional income for the cash inflow stream and manage expenses and budgeting for the cash outflow stream.

Today, let us learn how to increase our cash inflow by earning additional sources of income.

Increase income to increase cash inflow

It is important that one must understand that there are two types of income: active and passive income.

Watch the video below to learn how to increase your cash flow by earning additional sources of income: 

Click here to subscribe in our YouTube account for more financial video training  

Active Income

Active income is the type of income that when you work, you earn and when you don't work, you also don't earn. Sources of active income usually come from employment and self-employment.

(1 & 2.) Employment and Self-employment

To earn adittional income, after having a full-time (8 to 5) job, one may venture into a part-time job like personal tutorial, be a fast-food crew or be a part-time teacher. 

For professionals, one can have a private practice, private clinic or be a consultant. The challenge of having a lot of active sources of income is that our time is limited and it also affects our physical health. By the time we get sick, our income also stops.

Passive Income

Passive income on the other hand is when you don't even work or with little effort, you still earn. 

Thus, learning how to earn passive income is the key in having multiple income or cash inflow streams. Sources of passive income come from businesses and investments.

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Why You Should or Shouldn’t Join IMG?

International Marketing Group (IMG) is a financial brokerage company being in the business of promoting financial literacy to Filipinos globally. IMG and its associates have continued to expand globally (but not limited) to Hong Kong, Singapore, Middle East, Europe, U.S., Canada and still expanding around the globe. IMG has been promoting financial education in a massive scale. While IMG has been successful in expanding and getting people to join the organization, a lot still are skeptical and refuse to understand the benefits it has to offer. Here are some points to ponder whether you should or shouldn’t join IMG.

Be in business

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How to earn money in IMG?

International Marketing Group (IMG) is a financial brokerage company having financial education as its advocacy. On top of the lectures and financial trainings, IMG can also be a source of part-time or full-time income. 

Unlike other companies like network marketing, we don’t earn by recruiting people and unlike insurance companies, we don’t have quota thus there is no need for hard-selling. 

After signing up as an IMG member, to start earning, one must complete some requirements to be entitled to earn a commission. 

Once you become a qualified associate, one can earn money in any or all of these three ways:

Start Small - Earn Additional Income

Watch video below to learn the three ways you can earn income in IMG. Or read on..

Click here to subscribe in our YouTube account for more financial video training

1. Be your own money manager

IMG introduces the concept of DIY or “do-it-yourself” financial planning as it aims to encourage people to remove the middleman (agents or brokers). Thus, when one becomes a member of IMG, through the access of financial education classes, lectures, one-on-one coaching, investment updates, and conventions, it is expected that one will be equipped with the needed financial understanding and know-how.

Then through our partnered product providers, one can then apply the financial concepts thus being your own financial agent.

- When you want to buy healthcare for your family: you are your own agent.

- When you want to buy your own life insurance: you buy it using your membership code.

- When you want to invest in mutual funds: use your membership code.

- When you want to invest in real estate: use your IMG membership code.

- When you want to renew yearly your car and house insurance: instead of giving the agents commission from your premium, be your own agent and earn those commissions instead by using your IMG membership code.

Being a member of IMG, it is like having a rebate or discount on the financial products that you purchase.

Be your own money manager in IMG and by-pass the agents

2. Be a financial professional

While others are satisfied earning rebates from their purchases, one can also do IMG as a part-time career as a financial professional. It is like being a self-employed financial adviser synonymous to an insurance/investment agent BUT without the quota. There are two ways to earn as a financial professional:

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The Best Part-time and Full-time Business Career

How would you like to be in a business or career where you earn income by helping and guiding people how to save and invest?

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Is IMG a Networking Company?

Is International Marketing Group (IMG) a Networking Company?

Network Marketing is a type of business model where one can be part of a distribution organization paying a minimal membership fee to receive a sample product kit and has the opportunity to sell a certain product line. The members can recruit other people who might want to do the business and can earn via recruiting people.

IMG is a Brokerage Business not Network Marketing

Based on the definition, IMG is not a network marketing company. From the book of Mr. Xuan Nguyen, "The Moment of Truth", he discussed how IMG differs from other companies.

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What is International Marketing Group (IMG)?

IMG is a financial organization aiming to build a new financial industry through its global campaign for financial literacy. 

IMG is in the business of promoting financial education in a massive scale. While the current financial industry (most of them) are focused on selling financial products and targeting wealthy clients, IMG focuses on sharing simple financial concepts that are easy to understand without complicated financial jargon making it understandable to ordinary people (particularly middle income individuals) who have been overlooked by the current financial industry.

International Marketing Group: Financial Education in a Massive Scale

Once you become part of IMG, it's members are entitled the following benefits:

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