Blog
Practical money tips for Filipinos — budgeting, saving, and running a small business.
Sinking Funds: Save Small, Avoid Holiday Debt
Learn what a sinking fund is, how it differs from an emergency fund, and how to save for Christmas, tuition, and more without stress this year.
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Sari-Sari Store Capital: How Much Do You Really Need?
Planning a sari-sari store? See a realistic peso breakdown of starting capital — inventory, shelving, signage, fridge, and buffer — plus tips to stretch it.
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How to Budget with an Irregular Income (PH Freelancer’s Guide)
Learn how to budget with irregular income using baseline budgeting, percentage allocation, a buffer fund, and a fixed "salary" — built for PH freelancers.
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Best Savings Account Philippines: GSave vs Maya vs Banks
GCash GSave, Maya Savings, or a digital bank? Compare interest, access, fees, and PDIC safety to find the best savings account for your goals.
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How to Price Your Products for Profit
Learn how to price products in the Philippines using true unit cost, markup vs margin, and a worked peso example for small businesses.
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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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Pag-IBIG MP2 Savings Explained: Is It Worth It?
Pag-IBIG MP2 savings explained: how it works, pros and cons, who it suits, how to enroll, and how it compares to a regular savings account.
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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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