Philippine News

MANILA, Philippines — The air is crisp, the lights are bright and twinkling, and the festive cheer is palpable and contagious. Yes, it is that time of the year—and there is reason to celebrate. For many, the end of the year is a time for celebration, winding down and spending precious moments with family and friends. But before you get swept up in the holiday joy, it is also time to ask yourself: are you ready to face the coming year, finance-wise? While tackling budgets and

Happy New Year! By this time, many have already made New Year’s resolutions that include money matters: Save more. Spend less. Invest better. Stick to a budget—this time for real! And so many more. The first few weeks will be good. They feel motivated, attentive, and hopeful. Then life happens. A school expense comes up. Work gets busier. A family emergency happens. An important celebration, an unexpected repair, and so many more. The neat financial plan begins to fray. By Fe

The New Year is the perfect opportunity to set fresh financial goals and lay the groundwork for a stronger, more secure future. Here are five simple yet impactful financial goals to help you make the most of the year ahead. 1. Create or Update Your Budget A budget is the foundation of financial wellness. If you don't already have one, now is the time to create it. If you do, take a moment to reassess it for the new year. Steps to Get Started: Review your income and monthly ex

According to a report, most people will give up on their New Year’s resolution just 19 days into the year. That’s not the most reassuring thought if building your financial foundation depends on playing the long game. But here’s the good news: setting realistic, actionable financial resolutions can make all the difference. Whether it’s saving for the future, tackling unexpected expenses, or simply taking control of your money, you can create goals that stick—and start 2026 on

From revisiting your budget to topping up registered accounts, here are five smart money moves to make before year-end to set yourself up for 2026. The new year is the perfect chance to reset your financial goals and build better money habits. Whether you’re looking to save more, streamline your banking, or invest in your future, the steps you take now can set you up for lasting success. Read on for 5 money moves you can make before we say goodbye to 2025. 1. Revisit your bud

Some people may want to wait for their 13th-month pay or bonuses to start their businesses, but by then, they may already have the opportunities passed. If your money at the bank is not enough to finance your business, you have financing options to choose from, like the ones below: Borrow money from friends and family. This requires no collateral aside from a good relationship with your friends and family. As long as you pay them back based on your agreed terms, there should

The Christmas season is indeed the most wonderful time of the year. Colorful lanterns light up streets and homes at night, joyful Christmas melodies can be heard on every corner, celebrations overflowing with food happen left and right, and gifts are exchanged among friends and families. This season is also a great opportunity for businesses. After all, employees receive their 13th-month pay and Christmas bonus during this season, so they have extra money to spend on products

“I would love to give everyone a present but I don’t want to spend a lot!” Sound familiar? Every time Christmas comes around, it’s the same dilemma for a lot of people. Why? Because most of them do not plan for gift-giving - everything is done last minute! So, here’s a quick guide on how you can save money on Christmas gifts: Shop early Buying gifts months before the holidays can save you a ton of money and will spare you from the Christmas shopping rush! Shop online Yes, som

Christmas ornaments are the perfect addition to anybody’s holiday decorations. Plus, they make cute stocking stuffers for friends and family. For crafters looking to move Christmas ornaments, there are plenty of ways to sell and promote your stock. In this guide, we’ll outline some of the best ways to sell Christmas ornaments, such as: Set up a business website. Create a landing page. Sell through online marketplaces. Sell on craft websites. Sell on social media. Make a Googl

I don’t know how it happened, but holiday decor is adorning every store, and gift guides are launching left and right. I love the holidays, with all the festive and cozy things they bring, and I anxiously wait all year for them to arrive, but I have to admit, I am feeling a little less enthusiastic about them this time around. The truth is, the last few months have been really rough on my wallet. So, the idea of spending even more money sends me into a little bit of a panic.

Since the Ber months rolled in, Pinoys have anticipated that Christmas is fast approaching. It is the holiday that everyone looks forward to because it plays a big part in our culture. The Christmas season is associated with the sweet sound of classic Christmas songs, the sight of children caroling, the colorful parols, the family reunions, the good-smelling Noche Buena, and most importantly, the Christmas holiday bonus that many Filipinos await. Filipinos look forward to Chr

Holiday season is coming! For us employees, it’s the season to spend time with our families and enjoy ourselves after long hours of work. It’s the moment we long for because of the bonuses and the 13th month pay. You can see the joy on every employee’s face as they sing and dance in front of the ATM to Aegis’ plea: “Kaya’t ibigay niyo na ang aming Christmas bonus!” Lakas ng Christmas spirit ‘pag may pa-bonus, ‘di ba? Sadly, not everyone is as lucky as those who will receive t

You probably have a hundred ideas on how to spend your 13th-month pay—or your Christmas or year-end bonus—even before it gets credited to your payroll account. But just because you receive a windfall does not mean you have to spend it all on a whim. If you’re really serious about getting your finances in order, you’ll put off that shopping spree, and consider putting your money on important things instead. First things first. If you have outstanding debts, make use of your ex

Emergency funds, retirement, debt payoff, college costs - overwhelming is an understatement when it comes to how we should prioritize our savings. We know we should be saving, but where and how much? The good news is if you are stressing about whether or not you are saving in the "right way" - at least you are saving! Exactly how you should prioritize depends on your specific financial situation. While some financial experts may disagree on the order, most would agree the bel

For generations, money was a hush-hush topic in Filipino households. As a rule, conversations about salaries, savings, or even simple budgeting were considered too sensitive to discuss openly. However, slowly but surely, things have changed. Today’s middle-class Filipinos openly challenge that mindset, and money matters are now more commonly discussed. Better access to education, technology, and financial services has had more people talking about their finances, not just beh

Suck at money? Congrats. You’re part of the 99 percent of people in their 20s floundering when it comes to finance. Adulting is hard, and money is harder—especially when it’s your own and not your parents. My Two Cents is here to break down everything you need to know about finance, business, and entrepreneurship. We’ll tackle all the basics, from how to get a business permit to how to invest in stocks, to educate the fledgling adults on how to not go broke. Welcome to the id

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