Blog
Practical money tips for Filipinos — budgeting, saving, and running a small business.
How to Run a Lending Business in the Philippines: The Records You Need
Learn the key records every small lending business in the Philippines needs: borrower ledger, loan register, collections, interest, and overdue tracking.
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Cash Flow 101: Why Profitable Businesses Still Run Out of Cash
Profitable businesses still run out of cash. Learn the profit vs cash gap, how receivables and inventory tie up money, and how to forecast cash flow.
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How to Create a Simple Profit and Loss Statement
Learn how to build a simple profit and loss statement with a worked peso example, ideal for Philippine small business owners tracking real monthly profit.
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How to Compute COGS and Gross Profit for Your Small Business
Learn how to compute COGS and gross profit for your small business, with a step-by-step formula and a worked peso example for sari-sari stores and online sellers.
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Subscription Creep: How Small Bills Quietly Drain Your Budget
Small ₱99–₱299 subscriptions quietly drain Filipino budgets. Learn how to audit, cut, and control subscription creep for personal and business finances.
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How to Set (and Actually Reach) Your Savings Goals
Learn how to set SMART savings goals, break them into monthly and weekly targets, automate with GCash/Maya, and stay motivated in the Philippines.
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Add-On Rate vs Effective Interest Rate: What Your Loan Really Costs
Learn why a "1% per month" add-on loan rate is really close to double in effective interest, with a clear peso worked example for Filipino borrowers.
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How to Build an Emergency Fund on a Filipino Salary
Learn how much to save, where to keep it (GCash, Maya, Maribank), and a step-by-step plan to build an emergency fund on a Filipino salary.
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The Best Way to Track Your Expenses in the Philippines
Notebook, notes app, GCash/Maya history, or spreadsheet? Compare the best ways to track expenses in the Philippines and build a system that sticks.
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How to Stop Living Paycheck to Paycheck (Sahod-to-Sahod)
Break the sahod-to-sahod cycle with a step-by-step Philippine budgeting guide covering tracking, utang, emergency funds, and automated savings.
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