Debt isn’t always a bad thing. Used correctly, it can help you build credit, start a business, or handle emergencies.But when debt becomes uncontrollable, it slowly traps you until you feel like you’re working just to pay bills. If you’ve … Continue reading
When financial experts say you need an emergency fund, it often sounds like vague advice — “Save three to six months of your expenses.” But for most Filipinos, the question is: How much is that, exactly? In this post, we’ll … 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
