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 »
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
“Tumaas nga ang sweldo, pero bakit parang wala pa ring ipon?” Sound familiar? Many Filipinos experience salary increases or receive more remittances from loved ones abroad, yet still struggle financially. More income should mean less stress, right? Not always! In fact, if we’re not careful, having extra money can lead to bigger spending, more debt,
More Money, More Problems? Smart Ways to Manage Your Extra Income Read More »
It’s the end of the month, and you’re sitting at your kitchen table with a stack of bills in front of you. The numbers blur together as you try to figure out how to make ends meet. Your chest tightens, and a sense of panic sets in. Debt isn’t just about money; it’s about the
Mind Over Money: How Debt Seriously Impacts Your Mental Health Read More »
