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Money tips, success stories, and practical advice to help you grow your wealth and secure your financial future.
We often think that to fix our finances, we need a massive raise or a winning lottery ticket. But as a finance writer observing habits here in the city, I can tell you the hard truth: More money won't fix a lack of awareness.
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There is a silent epidemic among professionals in the Makati Central Business District. I call it the "Golden Handcuffs" of the Filipino middle class. You started your career earning PHP 20,000. You struggled, you commuted, you ate convenience store meals. You told yourself, "Once I hit PHP 50,000, I’ll be set." Then you hit 50k. But you felt the same. So you aimed for PHP 80,000. Then the elusive "6-digits." Now, you might be earning significantly more than when you started, but your savings account hasn't grown at the same speed. In fact, you might be in more debt now than when you were earning less. Why? Because of Lifestyle Creep (or Lifestyle Inflation).
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Let’s be honest: Spending money in Metro Manila has become too easy. Ten years ago, if you wanted to buy a new pair of shoes or a gadget, you had to physically go to the mall, withdraw cash, and hand it over. That physical friction gave you time to think.
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For decades, the stereotype of the "Pinoy Saver" hasn’t really been a saver at all. We’ve been branded with the "one-day millionaire" mentality—splurging the moment the payroll hits the bank account, only to scrape by on siomai rice a week later.
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