Guides

Money guides for the Philippines

Short, practical reads. Every legal claim links the law it comes from.

• How to collect utang in the Philippines

  Paano maningil ng utang: polite reminders, a written demand letter, barangay conciliation and Small Claims, with the deadlines in the Civil Code and links to the law.

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• 5-6 lending in the Philippines: what the law says

  What 5-6 really costs, why interest must be in writing, how the Supreme Court treats unconscionable rates, and which lenders BSP and SEC rules actually cover.

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• Paluwagan: how it works and how to run one safely

  How a paluwagan rotates the pot, how to set the order, what to do when a member stops paying, and why a short written agreement makes it enforceable.

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• How to budget your sweldo (kinsenas and katapusan)

  Split your pay into its two cut-offs, pay bills before wants, use a simple envelope plan, build an emergency fund, and stop borrowing before payday.

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