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Life in the Philippines is nothing short of exciting—sunny days, island vibes, and yep,...
When typhoons, earthquakes, or floods strike, the damage can be overwhelming—not just t...
Quick TakeYes, in the Philippines, you can get an installment loan without credit histo...
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Quick Take (TL; DR): Pag-IBIG Multi-Purpose Loan (MPL)
Need quick cash for bills, school, home upgrades, or even your business? Here’s the lowdown on Pag-IBIG’s Multi-Purpose Loan:
- Loan Type: Multi-Purpose Loan (MPL)
- How Much: Borrow up to 80% of your total Pag-IBIG savings
- Requirements: At least 24 months of contributions + proof of income
- How to Apply: Online through Virtual Pag-…
Quick Take: Can I go to jail for not paying online loans in the Philippines?
Fortunately, you can't be jailed in the Philippines for not repaying loans, as stated in the Philippine Constitution. Instead, creditors may file civil cases to enforce repayment, including interest or penalties if applicable.
Are you feeling overwhelmed by unpaid loans? Don’t worry, luv, we got you covered! In this blog, we'll dive into the nitty-gritty of unpaid…
Online lending apps are becoming more prevalent in the Philippines. They’ve become just as commonplace in a person’s phone these days as their favorite social media app and streaming platform. There’s no big secret why: online lending apps are fast, easy and convenient. Which mortal with a long list of needs can say no to that?
However, it's important to navigate this online lending age…
If you have credit cards or if you’ve ever borrowed money through a loan, it’s crucial that you know how to check your credit score.
Your credit score is a number that represents your creditworthiness. As a result, it can have a significant impact on your ability to obtain any form of financing, such as credit cards and personal loans.
If this is your first time…
Fintech
Luv, let’s be real—banking has gone 100% digital, and we’re here for it! With platforms like BPI Online, GCash, Maya, and UnionBank, Filipinos can pay bills, transfer funds, and shop online in just a few taps. But while digital banking is ultra-convenient, it also comes with risks—think phishing scams, data breaches, and fraudsters trying to sneak into your account.
In fact, BusinessWorld reported that the suspected retail digital fraud rate in the…
Vlogging, online selling, and starting a virtual tutorial service… These are just some of the most popular online businesses started by Filipinos in recent years. The convenience, flexibility, and vast market reach offered by online platforms have inspired many entrepreneurs to embark on their digital ventures. Plus, the increase in online shopping activity among Filipinos during the pandemic has convinced many of us to start a business online.
Although, there is one crucial aspect that often determines the sustained success of any business—whether it’s a brick-and-…
Did you know? There are over a million small and medium enterprises in the Philippines as of 2021. And a recent study also noted that 4 out of 5 Filipinos are interested in entrepreneurship. This clearly shows that Filipinos have a strong entrepreneurial spirit. Many of us know that doing business can not only help…
Savings
Quick take: How much are time deposit interest rates in the Philippines?
It depends on the bank, luv! If you want to save and earn big with a Time Deposit, choose Tonik. Earn up to 6% interest p.a. Just make sure to maintain an average daily balance (ADB) of PHP10,000! Never heard of an ADB before? Learn more here.
Quick Take: How much should you save each month?
Try the 50/30/20 method! Set aside 50% of your monthly income for essentials, 30% for wants, and 20% for savings.
So, you've been thinking about beefing up your savings, huh? Whether you're gearing up for the rainy days, eyeing that dream vacay, or just wanting a cushier cushion for those "just in case" moments, you're in the right place, luv. Let's dive into the art of saving without feeling like you're giving up your daily joys—yes, even your beloved Frappuccino in the morning.
Quick Take: How to Create a Budget?
Here's a quick step-by-step! Start by calculating your net income. Afterwards, be diligent in tracking your spending. Then, set realistic goals so you don't get discouraged. Make a plan to reach these goals and adjust your spending if needed. Finally, don't forget to review your budget regularly!
Ever wonder why most budgeting advice feels like it’s written for someone living on another planet? You try to follow it to the letter, but somehow, you end up feeling more restricted than ever.
Would you be ready if (and when) your car breaks down? Can you confidently say you’re prepared to face a sudden layoff? How about an emergency medical expense?
We never wish for these unexpected scenarios to happen… but it’s best to be prepared, luv. That’s why having an emergency fund in place is truly important. With an emergency fund, you have a financial buffer that cushions you from the impact of life’s unpredictable moments, ensuring they don’t escalate into full-blown crises.
Loan
Life in the Philippines is nothing short of exciting—sunny days, island vibes, and yep, the anticipated typhoons. 🌧️ And while we can’t stop storms and floods from visiting, we can control how ready we are to face them. The best way to do that?
When typhoons, earthquakes, or floods strike, the damage can be overwhelming—not just to homes, but to your budget too. From fixing what’s broken to replacing what’s lost, the expenses can pile up before you even catch your breath.
Lifestyle
Every International Women’s Month, I find myself thinking back to a time when I was still figuring things out financially.
Let’s talk about something we’re all guilty of at some point—spending habits that secretly sabotage our finances. We work hard for our money, so it’s only fair that we enjoy it, right?
Summer’s here, and it’s time to turn up the cool factor! ☀️ But, before you break a sweat trying to survive the heat, let's talk about getting you the perfect air conditioner without breaking the bank.
Online scams are a lot like bad relationships. At the beginning, you think you’re in for something great. They promise you all these things that could change your life for the better, like: Get rich quick! Get approved for a loan instantly!