personal finance

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

Why Every Freelancer Needs to Learn Personal Finance

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Why Every Freelancer Needs to Learn Personal Finance

When I first started freelancing, I was obsessed with one thing: earning more. I’d take on multiple clients, chase deadlines, and hustle hard to hit my monthly income goals. But over time, I realized that freelancing isn’t just about making money but also about managing it well through personal finance. It took a few financial … Read more