credit card debt philippines

How to Negotiate a Credit Card Debt Settlement (and What to Say When You Call the Bank)

| Credit Card

You’ve been paying faithfully, but lately, it feels impossible to keep up.The minimums are eating your whole paycheck, and collectors won’t stop calling. Then you hear about something called a “debt settlement” — a way to reduce your balance and finally close your account for less than what you owe. But how does it really […]

How to Negotiate a Credit Card Debt Settlement (and What to Say When You Call the Bank) Read More »

credit card philippines

What Happens If You Stop Paying Your Credit Card Debt in the Philippines?

| Credit Card

You skip a payment, promising to catch up next month. Then another bill comes in, and another. Soon, your inbox is full of reminders, and you start avoiding calls with unknown numbers. At some point, the thought crosses your mind: “What if I just stop paying?” It’s a question thousands of Filipinos quietly ask every

What Happens If You Stop Paying Your Credit Card Debt in the Philippines? Read More »

credit card hacks

Why Your Credit Limit Is Not Your Money (And How to Finally Take Back Control)

| Credit Card

It starts with one simple text: “Congratulations! We’ve increased your credit limit.” You didn’t ask for it. You didn’t even need it. But suddenly, your card feels more powerful. You feel a little richer, a little more secure, maybe even a little proud. That’s exactly how credit cards are designed to work. The “congratulations” feels

Why Your Credit Limit Is Not Your Money (And How to Finally Take Back Control) Read More »

retirement-planning

The Real Cost of Waiting: How to Retire Smarter with the Time Value of Money

| Personal Finance

Be honest. When you hear the word “retirement,” what pops into your head? Maybe you think it’s for older people. Maybe you tell yourself, “I’ll think about that once I’m earning more.” Right now, you’re focused on the present — working hard, paying bills, helping your family, maybe even just trying to stay afloat. And

The Real Cost of Waiting: How to Retire Smarter with the Time Value of Money Read More »

tvm

Should You Pay in Cash or Installment? How the Time Value of Money Affects Your Everyday Spending

| Personal Finance

You’re at the appliance store, finally ready to buy that washing machine you’ve been saving up for. The staff smiles and tells you: “Ma’am, same price po kahit installment — 0% interest for 12 months!” You pause. Should you pay the full price now, or go for the “easy” installment plan? At first, it feels

Should You Pay in Cash or Installment? How the Time Value of Money Affects Your Everyday Spending Read More »

sandwich-generation

The Financial Struggles of the Sandwich Generation (And How to Survive It Without Losing Yourself)

| Personal Finance

They say family is everything. But when you’re caught between raising your kids and supporting your aging parents, sometimes it feels like you’re everything to everyone—except yourself. Welcome to the world of the sandwich generation. If you’re feeling overwhelmed, tired, and financially stretched, you’re not alone. Many Filipino adults today, especially those in their 30s

The Financial Struggles of the Sandwich Generation (And How to Survive It Without Losing Yourself) Read More »

financial-struggles

How Straw Unmasks the Financial Fragility We Don’t Talk About

| Personal Finance

Some breakdowns don’t happen all at once. They build up, quietly, until one day—you snap. That’s the haunting reality behind Straw, a powerful Netflix film that doesn’t just show a woman’s descent into crisis—it reveals the invisible weight many of us carry daily. The kind we don’t post about. The kind that says, “I’m okay,”

How Straw Unmasks the Financial Fragility We Don’t Talk About Read More »

the silence around money

The Silence Around Money: Why It’s So Hard to Talk About Finances with Family

| Personal Finance

Money is one of the most important things in life, and yet, we often treat it like a secret. I’ve been a personal finance advocate for years. I’ve talked to couples, parents, young professionals, even retirees about their finances. But one thing that never fails to surprise me? How deeply uncomfortable most people feel when

The Silence Around Money: Why It’s So Hard to Talk About Finances with Family Read More »