money habits

How I Paid Off My Credit Card Debt and Changed My Money Habits

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How I Paid Off My Credit Card Debt and Changed My Money Habits

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 reminded me of a challenging time that shaped how I handle money now. In my 20s, I carried over ₱100,000 in credit card debt. I was young, new to the … Read more

Money Habits I Noticed Growing Up and What I Am Doing Differently

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Money Habits I Noticed Growing Up and What I Am Doing Differently

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 succeeded. I carry with me so many of their values: perseverance, gratitude, and the ability to make do with what you have. But as I got older, I started noticing … Read more