The second tranche of our salary increase was released this month. The net amount of the increase is not that much, but still, I am very thankful. Just right after I received my payslip, I sent a note to our HR authorizing them to deduct an additional P400/month for Pag-ibig. I increase my Pag-Ibig Contribution every time my salary increases. Why did I choose to augment my Pag-ibig contribution? Firstly, the dividend is higher than bank interest. Secondly, I am certain that it won’t declare bankruptcy since it’s a government owned and controlled corporation. Thirdly, increasing Pag-ibig savings also increases my maximum loanable amount since the latter is based on the Total Accumulated Value (TAV). And lastly, just like “PAG-IBIG”, hindi ko siya ramdam bes! Of course I’m kidding, I am so loved by my husband. Feel ko bes! Going back, hindi ko siya ramdam because it’...