Borrowing money, especially among old-fashioned Filipinos, is often associated with financial setbacks. In reality, however, it can be a powerful tool for achieving financial growth and stability if used wisely. Virtual credit lines and person...

While traditional Filipino culture often suggests the opposite, borrowing money isn’t inherently bad. As long as you know the risks and what’s involved, loans do not have to send you into an uncontrollable debt spiral. Indeed, how and where yo...

When your budget feels tight but you can’t quite figure out why, the culprit may not be a single major purchase. A cluster of small, recurring expenses may be silently draining your funds. These seemingly small and insignificant expenses don’t...

It’s easy to think that skipping a loan payment just means catching up the following month, but the reality can cost you much more than you expect. Lenders see missed payments as a warning sign, and the financial consequences can ripple well b...

Have you noticed that your groceries, your electric bill, or even your go-to milk tea have gotten more expensive over the years? That’s inflation in action. It slowly eats away at your money’s buying power, and over time, it can seriously redu...

Being able to use credit can be empowering, but it needs to be used responsibly. When used appropriately, an easy personal loan or credit line can open doors to opportunities, smooth over financial gaps, and help you build long-term financial ...

You can work hard but still feel like your paycheck slips through your fingers. Some of this strain comes from personal decisions like spending habits, lifestyle choices, or debts that you choose to take on. But a growing share of this paychec...

Two people with the same incomes and monthly expenses can borrow the same amount under the same terms, yet their outcomes may still be worlds apart. If you use debt as a stepping stone to financial stability or personal growth, you’re going to...