It’s hard to resist the seductive lures of impulse buying. Scrolling through online shops and landing on a must-have item at an unbeatable price can excite our hearts. The sense of joy may be short-lived, especially when the financial consequences – from mounting credit card bills to empty wallets – become a reality. Fortunately, there…

Franchising can be an attractive venture for any aspiring entrepreneur. You can access a well-established brand, an existing support system, and a targeted customer base. If you’re considering this route, you’ve come to the right place. This article will discuss the basics of franchising and others things to do as a franchisee. Are you willing…

Do you dream of a well-deserved summer vacation but worry it won’t fit your budget? Good news: you don’t have to be a travel expert or spend all your savings to make the most of your next summer getaway. While traveling is good for your mental health, you want to ensure it won’t cause stress…

Calling all smart and savvy ladies! If you’re on the hunt for a new credit card, now’s your chance to compare and score some of the best deals around. With capped interest rates at 3.00% per month and low flat fees on cash withdrawals, there are plenty of awesome options — each offering different overlimit…

Have you considered starting a leasing business, but you’re not sure if it’s for you? It can be tempting to jump into a new venture — after all, it’s a dream come true to be the boss and earn passive income. But before taking that leap, there are some hard truths about owning and operating…

Goodbye to the 2% credit card interest charge. If you’re an existing credit cardholder, chances are, you have already received a notification from your issuer about the interest rate adjustments. Yes, and it’s back to the 3% monthly interest rate. Banko Sentral ng Pilipinas has already released Circular No. 1165, which contains an advisory on…

Are you looking for ways to balance your budget now that you have a baby? Navigating the financial aspects of parenthood can be tricky because, primarily, the baby’s expenses go beyond diapers and formula milk. You must consider your little one’s well-being and provide them everything they need, from clothing, food, toiletries, and checkups. It…

Are you looking for a way to pay off your debts faster in 2023? Struggling with high interest loans, large balances, and late payments? You’re not alone — consumer debt has been a massive trend over the past year. According to the research, debt has affected seven out of 10 Filipinos and is also a…

Heads up if you’re an active mobile user. As you know, the SIM Card Registration Act is now implemented, and this legislative measure requires all consumers to register their personal information with telecommunications companies. The good news is that telcos like Globe and Smart have an online portal where you can register for free. Here’s…

Some of you may have experienced financial turbulence these past few years, and with 2023 in full swing, 2022 is behind us. But if you want to start the year right — looking forward to making 2023 their best financial year yet, it’s not too late to do so. There are plenty of things that…

Making money from something you’re passionate about sounds like an exciting opportunity — and it can be. However, turning a fun pastime into a profitable enterprise takes effort and dedication. With proper planning and strategy, there’s no reason why anyone can’t make money from their hobbies. If you want to become an entrepreneur but need…

Changing to another telco or mobile network operator for better services and more affordable plans is a moneysmart way to manage expenses. While only three major companies – Smart, Globe, and DITO – monopolize the services, good coverage is a huge factor before making the switch. Plus, if you’re like most Filipinos, you want to…

It’s that time of year again when your inbox is full of ads for the latest gadgets or appliances. Even your cabinets are stuffed with items you haven’t used for ages. It’s tempting to go on a shopping spree this holiday season. But remember that not all gifts should come in a wrapped box with a…

Excited about how much you will earn from a cashback credit card? Before you get your hopes high, know the nitty-gritty behind the promos and terms and conditions (T&Cs). Cashback credit cards are your best bet if you prefer to avoid fiddling with rewards points or air miles. After all, money doesn’t grow from trees.…

Concerning finances, the more you keep your spending under control, the better. But can embracing a minimalist lifestyle help? You have probably stumbled upon this buzzword. Spoiler alert: it doesn’t mean living in a tin can or giving up all your worldly possessions – it’s being more mindful of the things you own. While this…

Moms are known for multitasking. But it can be too much to juggle caring for a baby and managing your household. Having a yaya and a helper or kasambahay will lighten the load. You might be having second thoughts because of your limited budget. With a set of hands comes an additional mouth to feed.…

Digital banks are redefining banking. You can open an account without visiting a branch. You also don’t need to wait in line to pay your bills because you can directly pay merchants and companies using the mobile app. Unsurprisingly, even traditional banks are introducing their own digital banks. For instance, Maybank has iSave, while BPI…

There’s always some new financial advice out there to follow — save more, spend less, invest here, don’t invest there. It can be challenging to keep up and more difficult to figure out which one is worth following. To save you the trouble, we have compiled a list of the top eight common mistakes people make…

Looking for ways to grow your hard-earned money? What if we told you there’s a local bank that offers 5.00% per annum interest? Say hello to the SeaBank Peso savings account. SeaBank is a rural bank with digital banking features. It means you can open a savings account without visiting a branch. Let’s take a…

The internet has made information more accessible than ever. This is especially true for those looking to learn new skills and gain knowledge. Countless websites and platforms offer free online courses. You can access them anytime and learn at your own pace. Online courses are a great way to learn new skills, stay up-to-date on…

Do you frequently shop online? Are you looking for ways to get cashback from your purchases? Worry no more. You might want to check UnionBank Cashback Gold Mastercard that lets you earn cashback without limit. Whether you’re planning to get your first credit card or want to apply for another one, here’s a helpful review…

Ever heard of BNPL? If you ever shop online, you must have encountered it. It’s an acronym for Buy Now, Pay Later, an agreement where a store lets you buy now and pay for your purchase over time. It’s like getting a loan, but without having to go through the hassle of applying for one.…

If you’re new to using credit cards, you’re in for a pleasant surprise. That mostly coveted plastic card provides plenty of opportunities to rack up rewards. But there are also a few things you need to be aware of before indulging yourself with a new pair of kicks or the latest iPhone model. A credit…

Does the possibility of earning rewards get your heart racing? Let’s take a look at the HSBC Red Mastercard. This rewards card offers up to 4x bonus points when you use it for online transactions, shopping, dining, and overseas transactions. Rewards cards are ideal for spenders who love to redeem merchandise items, cash vouchers, or…

Did you know that the Social Security System (SSS) in the Philippines offers a handful of benefits to its members? It’s not just the pension you get once you retire. If you’re a first-time member, or even if you’ve been a member for years, it’s important to know what they are. When in need, you…