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Wednesday, May 31, 2023

Adopting a "Deserve ko to!" mindset without breaking the bank



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Through proactive saving and personal budgeting, Lista PH makes it easier to take care of what you need and buy what you want



When it comes to what we spend money on, there are things we need, and there are things we want. With regards to the latter, whether you’re treating yourself to a good cup of coffee, a limited-edition pair of sneakers, or a big-ticket item like a laptop or phone, it’s always easy to tell ourselves “Deserve ko ‘to!”.

We’ve all been there. There’s no denying that instant gratification feels good. There are a few things in life like the inexplicable rush of dopamine that comes from checking out at a store counter or seeing online purchases delivered straight to our doors. However, if you’re not careful with how you manage your money, chasing after your wants can compromise your ability to take care of the things you need.

To help more Filipinos take better care of their finances, Lista, the fastest-growing financial management app in the country, aims to help more people across the country gain financial clarity through the help of technology. From personal budgeting to cutting expenses, Lista shares tips to help you stay on top of your needs and to make financial room for the things you want:


 



#1 Check Yourself… And Your Spending

Keeping track of what you spend on is the first step to saving money. From your morning coffee to your monthly bills, there are many ways to record your expenses. To monitor the money coming in and out of your pocket with ease, Lista PH houses an expense tracker that’s simple, powerful, and accessible from your smartphone. This makes it easier to keep track of your spending and stay informed on what eats up too much of your finances.



#2 Take Control of Your Budget

Once you know how much you spend, it becomes much easier to create a budget. Setting a budget should show your expenses in relation to your income which helps in making it easier to plan your spending and limit overspending.

To easily set a budget according to your preferences, Lista’s Personal Budgeting feature helps users achieve their financial goals – whether you’re paying off debt or saving money for the long term. The app allows users to set a preferred budgeting cycle, make it easy to list expenses, and share additional insights to help you with your budgeting needs.



#3 Cut Out Non-Essential Spending

Looking at your budget and your expenses, it becomes easier to identify non-essential spending like eating at restaurants or going out. Other ways to save on everyday expenses include reviewing any recurring charges for seldom-used subscriptions or services, researching for promos in restaurants, or waiting on sales on things you want.



#4 Level Up Your Spending Game

After expenses and income, financial goals are the most likely factors to influence how you allocate your savings. Start by thinking about the things you want to save for, and from there, you can estimate how much money you’ll need, and how long it would take you to reach those amounts.

Lista PH’s Savings feature aims to empower Filipinos to meet savings goals and set financial targets for the things they want to buy. Whether you’re aiming to save five hundred Pesos to buy what’s in your online cart or to put away the funds for a down payment on a car, making the act of saving a habit, with the help of Lista, can help make it easier for Filipinos to stick to their short-term and long-term financial goals.

At the end of the day, responsible budgeting and spending on yourself shouldn’t feel impossible to balance. These four steps can help ensure you get to treat yourself to what you want without biting you back in the long run. Having a responsible way to keep track of your spending and your budget can lessen worries and remove the “guilty” from guilty pleasures.

Lista PH is available to download from The App Store and Google Play Store.

Celebrating our Everyday Heroes


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In celebration of Farmers and Fisherfolks Month, East-West Seed shines a spotlight on its three outstanding farmer-heroes by showcasing their stories of hard work and dedication in making a difference and shaping the landscape of vegetable farming in the Philippines.

Join us as we walk you through their journey and their secrets in becoming the successful farmers they are today. It is East-West Seed’s hope that these stories will ignite your interest to learn more about the field and inspire more people into taking action towards building a sustainable future through farming. 






Cultivating the love of farming from childhood

The love for farming came naturally for Albert Rosillo, a 46-year-old farmer from Sitio Tab-ang, Brgy. Kilim, Baybay City, Leyte. At an early age, he learned the importance of farming through his father, who worked as an agriculture professor at the Visayas State University.

“Unlike kids my age, I usually spent weekends waking up early and going to our rice farm with my father. There, I appreciate the hard work that our farmers are putting in to produce food," he recalls.

Moved by the farmers' passion, he took a course in agribusiness and worked as a farm technician in private and government entities. Years later, his experience and knowledge as a farm technician came into hand as he took over his family’s 9,000sqm farm, which he turned into a vegetable farm and named after his first son, Basti.

Fast forward to 2023, Basti’s farm simultaneously grows East-West Seed’s Jackson cucumber, Mayumi bottle gourd, Macho corn, Galaxy ampalaya, Bongga sitaw, and Makisig sitaw. “Multicropping offers multiple streams of income and it is where farming can become sustainable in the long run,” he shares.

While each crop is sold at different prices, Albert estimates earnings of approximately 200%-300% where most are spent to further improve and expand his plantation. Throughout the years, he has added farm structures like greenhouse tunnels to protect his vegetables from pests, soil diseases, and disasters which are frequent in his area.

Because of his good practices in farming, he was recognized by the Department of Agriculture, Agricultural Training Institute, Visayas State University, and Leyte’s Local Government Unit as an outstanding vegetable farmer.

Soon, he plans to venture into hydroponics, yet in the meantime, he makes sure to give back to the community by helping his fellow farmers understand the right seeds, fertilizers, and technologies they can use to grow their crops. He also opens his farm as a learning site for students and other farmers from neighboring provinces who want to visit and learn from him.

Like his father, he trains his three children in farming. “Food is a basic necessity and we have no food if we do not farm. As a father, I would like to cultivate my children’s passion for farming, just like how my father planted a seed in me,” he shares.



Inspiring other women to take action

At the age of 63, there is no stopping Carmen Lumahang Paredo from planting vegetables and inspiring other women in Brgy. Pagatpat, Cagayan de Oro City to grow their own food.

“It is my happiness to produce clean and fresh food for my family and this is why I encourage a lot of women and mothers to start by planting in containers and gardens if they have little or no land at all,” she explains.

Apart from taking care of her six children and four grandchildren, she leads a busy life as a farmer. She tends her one-hectare vegetable farm, which she normally plants with East-West Seeds’ tomatoes, cucumbers, pumpkins, eggplants, and corn varieties.

On the side, she produces compost and other organic fertilizers for her farm's consumption and as another product that she sells for Php200 per sack to other farmers and gardeners. By efficiently utilizing organic and non-organic fertilizers for her farm, the Department of Agriculture has awarded a Good Agricultural Practice certificate to her and her farm.

But not only does she is recognized as an experienced farmer, she is also a constant farmer leader in her town. In 2015, she actively participated in the formation of a farmers’ market where women farmers like her can sell their produce every time they harvest. At the same time, she has served as a farmers’ coordinator in a local agricultural and fisheries council for several years.

During and post-pandemic, she found online selling as another viable way of marketing her vegetables. Through time, she was able to build her online network and help other women farmers’ sell their vegetables.

“I cannot and will never stop farming as long as I live. It is my dream that everyone – be it men, women, and children will be able to grow their own food and sustain their needs through vegetable farming,” she shares.

As a result of her dedication and willingness to help other farmers, Carmen and members of the women’s group in their community are granted by the Mindanao University of Science and Technology with the special project of starting a hydroponics farm in their village.




Rekindling his passion for farming

A professional seaman, 39-year-old Eliasar Espinas, decided to leave his prestigious career to become a farmer. His dream of becoming a vegetable farmer stems from his desire to follow his parents’ path.

"In high school, I planted lettuce in a small portion of my parent's farm and I was so happy to see that they have grown. Since then, I knew that I will always get back to farming whatever happens," he shares.

True enough, he used his profession as a stepping stone to reach his dream. After working as a seaman for six years, he was able to plant 5,000 hills of Diamante Max tomatoes within his 10-hectare land at Sitio Sap-ak, Brgy. Sudlon 1, Cebu City.

His first harvest gave him huge returns, which he used to diversify into other crops such as Emperor sweet pepper, Vulcan hot pepper, Lava hot pepper, Lega C cucumber, Mestisa bitter gourd, and Galaxy Max bitter gourd, all of which were grown using East-West Seed's quality seeds.

But like most farmers, he was not exempt from experiencing struggles and losses. In 2021, Typhoon Odette hit Cebu City, leaving him with no crops for sale or consumption. Despite feeling devastated, he chose to plant again. This time, he formed a sturdy trellis on which his vegetable plants can anchor.

“You cannot be called a farmer if you give in to problems in farming. A farmer suffers losses, yet he continues because it is only through planting that he can regain what was lost,” he explains.

His vegetables are distributed in the wet market and grocery stores of mainland Cebu and other neighboring towns and provinces. At the same time, he established an agricultural supply store where he also provides free assistance and consultation for other farmers.

In the future, he dreams of becoming more sustainable and efficient by converting his farm into an integrated one. In the meantime, he is contented with what he has achieved and for a happy life together with his wife and kid -- dreams that would not be possible if not because of farming.


Albert, Carmen, and Eli are among East-West Seed’s Top 100 Farmer-Heroes who were recognized for their successes in the field of vegetable farming.

For over 40 years, East-West Seed Philippines continues to empower Filipino farmers gain better yields and income by providing high-quality vegetables seeds and imparting knowledge in better farming practices. It is the company’s pride to support these successful farmers in continuing their journey and inspiring more people in choosing vegetable farming for their career and livelihood.

Together, they constitute the backbone of a healthy and sustainable Philippines!





About East-West Seed

East-West Seed introduced market-oriented plant breeding in Southeast Asia in 1982. Smallholder farmers, who ensure 85% of the world’s food production, are the company’s main clients. When Dutch seedsman Simon N. Groot and Filipino seed trader Benito M. Domingo founded the company in Lipa City, Batangas, Philippines, they set out to improve the income of smallholder farmers in the tropics through high-quality vegetable seeds.

East-West Seed is also actively involved in farmer training and extension to equip farmers with knowledge and skills in profitable and sustainable vegetable production.

In 2016, East-West Seed was ranked #1 in the “Global Index for Vegetable Seed Companies” and “Regional Index for Eastern Africa” by Access to Seeds Index (ATSI), a part of the World Benchmarking Alliance. The company maintained its #1 ranking in the 2019 Global and South and Southeast Asia Indices. ATSI measures the efforts of global seed companies in enhancing smallholder farmers' productivity.

In recognition of his efforts in bringing vegetables to the forefront of the fight to improve global nutrition and health through his company, Simon Groot was awarded the World Food Prize in 2019. East-West Seed was also ranked at number 28 in Fortune’s 2020 "Change the World" list of global companies that are “doing well by doing good”.

East-West Seed is currently one of the ten largest vegetable seed companies in the world, with a leading position in most Southeast Asian countries and rapidly expanding in India, Africa, and Latin America.

East-West Seed, headquartered in Thailand, is a fast-growing, multicultural organization with around 3,500 employees worldwide. It has 19 R&D establishments in nine countries and exports to over 75 countries. In the Philippines, East-West Seed has three R&D establishments in Batangas and Bukidnon, and its main office is located in San Rafael, Bulacan.

Learn more about us at www.eastwestseed.com.


Shiv Narayan Jewellers Makes History Achieving 8 Guinness World Records Titles


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Shiv Narayan Jewellers Pvt Ltd, Hyderabad's top legacy jeweller, has achieved 8 Guinness World Records(TM) Titles, becoming the first Indian jeweller in history to accomplish such a feat. To commemorate the occasion, a grand celebration attended by high profile dignitaries and celebrities unfolded at the breathtaking Taj Falaknuma Palace in Hyderabad, the perfect venue to commend the Shiv Narayan's rich legacy.

The grand event featured Bollywood's fashion icon Disha Patani who strutted the ramp in one of Shiv Narayan's high jewellery pieces. Her ethereal presence not only showcased its intricacy but also the craftsmanship and its breathtaking elegance. The evening unfolded as a captivating showcase of fashion, glamour, and exquisite jewellery but the highlight of the event was the unprecedented 'Experiential Zone' - an immersive experience of the record-breaking jewels themselves. The four zones, dedicated to each of the creations, exhibited the inspirations, innovation and nuances of the pieces.

The first of the four, The Ganesha Pendant, achieved the Guinness World Records Title for The Heaviest Pendant weighing in at 1011.150 grams & The Most Diamonds Set On A Pendant (11,472). A testament to exquisite craftsmanship, the handcrafted jewel took 6 1/2 months to create.





Shiv Narayan Jewellers went on to break their own record: The Ram Darbar achieved the world record for The Heaviest Pendant at 1681.820 grams and The Most Diamonds Set On A Pendant with 54,666 diamonds. It also became The Heaviest Diamond Pendant exceptionally designed over 8 1/2 months with diamonds inscribing Sri Ram (Lord Ram) even on the back.

The Satlada Necklace (The Seven Layer Necklace) is Shiv Narayan's third award winning masterpiece. With 315 emeralds and 1971 fine diamonds, it now holds the records for The Most Emeralds Set On A Necklace and The Most Diamonds Set On A Necklace. The sourcing of the gemstones for this necklace alone took 2 1/2 years and the piece was crafted over 5 1/2 months. Paying homage to the ancient treasures of the Nizams, an integral part of Shiv Narayan's heritage, The Satlada Necklace is a resplendent creation exemplifying the dedication and attention invested in each piece.

Elevating luxury to new heights, Shiv Narayan Jewellers' The Magnifying Glass holds an impressive value of $108,346 making it The Most Expensive Magnifying Glass.

Expressing his elation and gratitude for this remarkable achievement, Mr. Tushar Agarwal, Managing Director - Shiv Narayan Jewellers Pvt Ltd, stated, "We are truly humbled to have achieved 8 Guinness World Records Titles. It is a huge advancement for the entire industry and we are truly grateful that our dedication, hard work and passion has been recognised at such a global level. We hope to continue to pioneer innovation in the industry and reach new heights."

As the Only Indian Jeweller To Have Achieved 8 Guinness World Records Titles, Shiv Narayan Jewellers have solidified their position at the top in the gem and jewellery industry. Shiv Narayan Jewellers Pvt Ltd is a prestigious vintage and royal jewellery brand specialising in emerald jewellery. The company was started by Seth Sri Shiv Narayan Ji, the head jeweller to Mir Osman Ali Khan, the VII Nizam of Hyderabad. Since then, the brand has created many masterpieces. Today, it is in the hands of Mr. Kamal Kishore Agarwal and Mr. Tushar Agarwal, the current Chairman and Managing Director of the company.

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