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5 Money-Saving Tips for Holiday Gift-Giving
“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
Dec 4


The best way to sell Christmas ornaments
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
Nov 27


The Holidays Are Coming—Here Are 7 Ways to Make Extra Money
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.
Nov 20


Christmas bonus: A rewarding guide to employee bonuses
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
Nov 13


8 Most Common Things Pinoy Employees Do with Their 13th Month Pay
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
Nov 6


Here’s how you can get the most out of your bonus
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
Oct 30


The Top Three Priorities For Savings
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
Oct 23


How digital banks made Filipinos more open about money matters
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
Oct 16


Here’s How to Protect Yourself From Credit Card Fraud in the Philippines
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
Oct 9


Online Jobs You Can Do From Home
Besides the health toll, economies have taken a hit from the pandemic. As a result, many people are sadly losing their jobs or are in...
Oct 2


Making the Decision to Retire Early: What You Need to Know
Retirement can often seem like a distant dream for many Filipinos, but it doesn’t have to be. With proper retirement planning, some...
Sep 25


How to Spot a Scam
While we’re living in a digital world, the idea of someone getting your personal information is not so impossible anymore. Don’t let...
Sep 18


Why Has Gold Always Been Valuable?
There are a plethora of articles about gold as a financial investment. Here, we focus on the social and psychological aspects of gold...
Sep 11


Financial Literacy For Children: Parents' Guide
Financial literacy means having the knowledge and skills to manage money wisely. It includes understanding how to earn, save, spend, and...
Sep 4


What are ‘good’ and ‘bad’ debts, and which should I pay off first?
With the cost of living soaring and many struggling to get a pay rise, it’s not surprising people are using debt to navigate life’s...
Aug 28


How to manage financial stress in uncertain times
American families are struggling to keep up with their bills. The cost of food soared by more than 23% from 2020 to 2024. Other price...
Aug 21


4 money habits to adopt from your first salary to retirement
Life’s curveballs can be unpredictable and for Ms Shen Lifen, 39, that moment arrived when the COVID-19 pandemic hit in 2020. At the...
Aug 14


Revisiting my 5 (now 6) steps to financial freedom
When I first wrote my first book “No Nonsense Personal Finance” in 2013, my goal was simple: help Filipinos gain financial freedom...
Aug 7


The danger of OFWs starting businesses
Overseas Filipino workers (OFWs) are rightfully called modern-day heroes. Their sacrifices have sustained countless families and propped...
Jul 31


4 easy ways you can maintain good credit
A good credit score is one that falls within the range of 670 to 739 on the popular FICO scoring model, and between 661 to 780 on the...
Jul 24
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