Blog
Practical money tips for Filipinos — budgeting, saving, and running a small business.
Break-even Point: How Many Sales Before You Start Earning?
Break-even point computation made simple, with a peso example for a food stall. Learn how many sales you need before your business starts to profit.
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Markup vs Margin: How to Price Your Product to Actually Profit
Markup vs margin explained with peso examples. Confusing the two is why many Filipino sellers underprice — learn to price your product to actually profit.
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Online Selling: Your Real Profit After Shopee and Lazada Fees
Your real profit after Shopee and Lazada fees is not the sticker price. See the hidden costs of each order with a peso example and how to price for profit.
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BIR 8% vs Graduated Income Tax: Which Is Cheaper for Your Small Business?
BIR 8% vs graduated income tax — which is cheaper for your small business? A clear comparison with a peso example for self-employed Filipinos.
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Sari-Sari Store: Are You Actually Making Money?
Is your sari-sari store actually making money? Learn why sales are not profit, with a peso example, margin tips, and two habits that reveal the truth.
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How to Compute Your Take-Home Pay in the Philippines
How to compute your take-home pay in the Philippines — SSS, PhilHealth, Pag-IBIG, and tax explained, with a clear peso example on a ₱25,000 salary.
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SSS, Pag-IBIG MP2, or Investing: Where Should You Put Your Savings?
Pag-IBIG MP2 vs SSS vs investing — where should Filipinos put their savings? A clear comparison, a layering strategy, and a peso example.
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Envelope Budgeting for Your Sahod: A Filipino’s Guide
Envelope budgeting for your sahod, explained for Filipinos. A digital method with a sample peso split, the golden rule, and tools that fit GCash and Maya.
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13th Month Pay: How to Budget It Wisely
How to budget your 13th month pay in the Philippines so it lasts. A smart split with a peso example, common mistakes, and a debt-free plan.
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Emergency Fund: How Many Months Should You Save?
How much emergency fund do you really need in the Philippines? A practical guide with peso examples, where to keep it, and how to build it faster.
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