The 50/30/20 rule, adjusted for Philippine salaries
Needs, wants, savings, and why the textbook split rarely survives a Manila rent cheque.
Blog
Money notes.
Short, practical pieces on budgeting, saving and staying out of debt, written for how money actually works here.
How to track expenses without quitting in week two
Most expense tracking dies from friction, not lack of discipline.
How big should your emergency fund actually be?
Three to six months is the usual advice. Here is how to work out your own number.
Debt avalanche vs snowball: which one finishes?
One is cheaper. The other is likelier to get finished. Pick honestly.
Why your credit card due date matters more than your limit
Late fees and interest are avoidable. Most people just lose track of the date.
Sinking funds: the reason December keeps surprising you
Christmas is not an emergency. Neither is your annual insurance premium.
Tracking utang without ruining the friendship
Money you lent out is still your money. Write it down the same day.
Cashflow forecasting: knowing if you can afford it
Your balance today says very little. What is due before payday says everything.
Stop categorising your spending into twenty buckets
Precision you will not maintain is worse than a rough split you will.
Why an offline budget app is a privacy decision
Your transaction history is one of the most revealing datasets about you.