Welcome to The City Rat

Hi. I am Ramil, a Certified Public Accountant, a husband, a father and a fur Dad. I share my thoughts about business, food, travel, parenting, pet care, cars and smart living. This blog is a place where I write how to navigate a life that will inspire and help others become better persons.

Online businesses have been increasing in recent years. More and more people are selling their goods or services online because of the pandemic and work-from-home setup.  

Money makes the world go round. We use the money for so many reasons. And a lot of these reasons can lead us to overspend. From online shopping, eating out or splurging on expensive coffee – whatever the reason is, you need to be mindful of your spending habit.


Looking for a place to rent when you're coming from a different city thousand miles away can be difficult. Moreover, when you are in a global pandemic, finding the best apartment is downright impossible.

Aside from the fact that you cannot check out the properties physically, you're generally left speculating what neighborhood would be ideal for you and what is the prevailing and reasonable rental rates in the area.

Depending on where you want to start a new life and how much you can afford to shell out for the rent, you can get many options from the internet. All it takes is knowing what to research and how to reach out to. You should have no problem finding that perfect getaway to call home in the new city.




Filipino families love to hoard! It’s not even speculation but a fact. Your nanay, tatay, or both surely hoard some stack of things that they don’t use anymore. 

And the worst part is, they don’t throw these things, thinking that they will use them in the future. This makes it very difficult to live a minimalist lifestyle in a typical Filipino home.

It’s difficult to declutter, but it’s not impossible. Here are simple tips on how to live a minimalist lifestyle in the Philippines.



Are you planning to file for a SSS Benefit? Or you want to avail of the SSS Salary or Calamity loan?

You must enroll your bank account or e-wallet to My.SSS portal correctly so that the proceeds of your benefits or loans will be credited to your registered account without any problems or delays.

If you are a UMID-ATM cardholder, there is no need for online enrollment. SSS will automatically deposit the funds from your benefits or loan into your UMID-ATM card.


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