VULs, or Variable Universal Life insurance plans, are one of the most widely marketed financial products in the Philippines. You’ve probably heard about them through
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It took me a long time to write about this. VULs (Variable Unit-Linked insurance plans) are a controversial topic, and I’ve spent more time than
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Budgeting doesn’t have to be complicated. You don’t need fancy tools or an accounting degree to take control of your money. What you do need
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Tita’s Note: This piece is something I originally wrote years ago for another blog, sometime around 2021–2023, right after the pandemic. I’ve been thinking about
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Look, not every post needs to be a deep dive into freelance life. Sometimes, it’s just vibes. I promise I’ll go back to the useful
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This month officially marks one year since I last hopped on a plane. And for someone who used to book 2–3 trips a year, that’s
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Money isn’t just about math. It’s shaped by our families, culture, and what we saw growing up. And for many Filipinos, that includes habits and
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I’ve recently read a news article about credit card debt in the Philippines reaching “critical risk” levels, and it struck a chord with me. It
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The internet has been buzzing with frustration over the “new” 20% tax on savings. Social media is full of angry comments, and clickbait-y headlines didn’t
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I grew up in a hardworking middle-income Filipino household, raised by parents who did everything they could to give us a better life. And they
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