If you’re looking for an alternative to traditional banks and digital banks, one great option you might want to explore is joining a cooperative (co-op) and opening a savings account with them. In the Philippines, cooperatives are member-owned organizations that … Continue reading
If you’ve been thinking about growing your money beyond savings accounts, chances are you’ve considered the stock market. But let’s be real—most Filipinos find it intimidating. Terms like “PSEi,” “bull market,” or “brokerage fees” can easily scare off beginners. Don’t … Continue reading
If you’ve been using SeaBank for your savings account, you might be surprised to see that the name is no longer the same. As of 2025, SeaBank Philippines has officially changed its name to Maribank Philippines Inc. But what does … Continue reading
If you’re a Filipino saver, chances are you’ve been offered a time deposit at your local bank. It sounds safe, predictable, and easy to understand. On the other hand, more and more people are now discovering Pag-IBIG MP2 Savings Program … Continue reading
Gone are the days when you had to personally visit an SSS branch and line up just to check your contributions. Today, thanks to the My.SSS online portal, members can easily monitor their SSS payments anytime and anywhere. If you … Continue reading
If you have an unpaid SSS loan, you already know the drill: your balance keeps growing because of interest and penalties. The good news? The Social Security System (SSS) offers Loan Restructuring Programs (LRP) and Loan Consolidation so you can … Continue reading
Managing your salary can feel overwhelming, especially when bills, savings goals, and unexpected expenses keep piling up. If you often wonder where your money went before the next payday, then the 50-30-20 rule might be the budgeting formula you need. … Continue reading
Buying a house is one of the biggest financial goals for many Filipinos. But with the high property prices today, most of us can’t pay for a home in full. That’s where the Pag-IBIG Housing Loan comes in—a government-backed financing … Continue reading
If you’ve recently applied for a Pag-IBIG loan, whether it’s a housing loan, multi-purpose loan, or calamity loan, you’re probably wondering: “Kumusta na kaya yung application ko?” The good news is you don’t need to visit a branch or wait … Continue reading
Want to invest for retirement with zero tax on earnings? A PERA (Personal Equity and Retirement Account) is one of the best legal ways to do it in the Philippines — and ATRAM makes it possible to open one fully … Continue reading