#    The Thrifty Pinay by Ameena Rey-Franc                                 

> Financial Literacy Speaker | Public Speaking Trainer | Women Empowerment & Personal Finance Advocate| Author of Financial Resilience | Founder of The Thrifty Pinay


## Posts

- [Free Budget Tracker Google Sheets Philippines: How I Finally Took Control of My Money](https://thethriftypinay.com/2025/12/17/free-budget-tracker-google-sheets/): This free budget tracker helped me take control of my money without stress, apps, or paid tools.
- [Best Investments For Beginners Philippines 2026](https://thethriftypinay.com/2025/12/15/best-investments-for-beginners-philippines/): I know exactly how it feels to want to start investing and growing your money but not know how or where to begin. 24-year-old me finished reading an investing book and decided to try the stock market. I felt thrilled and excited, but at the same time I kept asking myself if I made the right decision. I wondered if there was a more suitable investment for me and if I really understood what I was getting into. Fast forward to 2026, I have already been invited to conduct seminars to different companies to teach the basics of investing and […]
- [International Investments in the Philippines: A Guide for Filipino Investors](https://thethriftypinay.com/2025/05/28/international-investments-in-the-philippines/): When I first started my investing journey a few years ago, I was like many Filipino investors who were focused entirely on local options. I had mutual funds, a few blue-chip stocks, and even tried real estate. But after some eye-opening experiences (and missed opportunities), I started exploring international investments. And let me tell you, it changed my perspective on growing wealth. If you’ve ever thought “Pang-mayaman lang ‘yan” when you hear about investing abroad, this is article is especially for you. In this blog post, I’ll break down why international investments in the Philippines would be a good addition […]
- [International Investing in the Philippines: A Beginner’s Guide](https://thethriftypinay.com/2025/05/23/international-investing-in-the-philippines/): When I started my personal finance journey in the Philippines, most of my focus was on local investments like mutual funds from big banks, real estate, a bit of stock market trading via PSEi. Like many Filipinos, I was taught to “invest where you live.” But as I continued to grow my income and seek better ways to build wealth, I found myself asking: What else is out there? This curiosity led me to a new frontier and that is international investing. And let me tell you, once I started exploring markets beyond our shores, it opened up a whole […]
- [Public vs Private School in the Philippines: Which Is Better?](https://thethriftypinay.com/2025/05/12/public-vs-private-school-in-the-philippines/): I'll share my experiences from both.
- [Concentrix Teams Up with Tonik to Bring Tendo — A New Era of Workplace Financial Wellness](https://thethriftypinay.com/2025/05/06/concentrix-teams-up-with-tonik-to-bring-tendo-a-new-era-of-workplace-financial-wellness/): Tendo by Tonik, the market leading provider of digital-powered financial wellness solutions,  today announces the availability of its services to Concentrix, the Philippines’ largest private employer with over 100,000 team members. This initiative provides access to Tendo’s innovative tools—ranging from flexible salary-deducted loans to budget coaching and high-yield savings—for Concentrix employees. Tendo reinforces its standing as a trusted resource for large-scale organizations, already working with over 180 employers nationwide, serving hundreds of thousands of workers.  Tendo’s digital-first platform also supports the following efforts: ●        Employee Engagement and Retention: Tendo’s cost-effective financial wellness programs and access to easy, responsible credit and savings […]
- [Top Elementary Schools in Manila & Tuition Fees (Public and Private)](https://thethriftypinay.com/2025/05/06/top-elementary-schools-imanila-tuition-fees-public-and-private/): Looking for the Best Elementary Schools in Manila? Here's a list for us parents.
- [Credit Score in the Philippines 2025: Everything You Need to Know](https://thethriftypinay.com/2025/05/02/credit-score-in-the-philippines/): How can you check, improve, and manage your credit score to secure your financial future?
- [Best Personal Finance Apps In The Philippines To Improve Your Finances](https://thethriftypinay.com/2025/02/28/best-personal-finance-apps/): Here's list of the best personal finance apps in the Philippines as well as some tips on how to assess if an app is a good fit for you or not:
- [Financial Literacy Speaker Ameena Rey-Franc's "Values-Based Financial Planning" Seminar Philippines](https://thethriftypinay.com/2025/01/28/values-based-financial-planning/): Is your money aligned with your life’s purpose? And how is a values-based financial planning different from a traditional financial planning conducted by financial advisors and financial planners?
- [13th Month Pay Philippines (Easy Computation & Sample Playslips)](https://thethriftypinay.com/2024/11/15/13th-month-pay-easy-computation/): Picture this! It’s the end of the year. After months of hard work, there’s an extra pay heading your way—the most anticipated 13th Month Pay Philippines! For employees or working individuals like you, this isn’t just any perk. It’s a government-mandated benefit that provides an extra financial cushion as the year wraps up. Whether you’re planning to use it for holiday shopping, bill payments, or savings goals, the 13th-month pay can be a valuable resource. It might even help you finally book that getaway you’ve been dreaming about. By understanding the ins and outs of the 13th month pay, you […]
- [University Tuition Fees in the Philippines](https://thethriftypinay.com/2024/10/04/university-tuition-fees-in-the-philippines/): Thinking about going to a reputable university but unsure of the costs? You’re not alone! Figuring out university tuition fees in the Philippines can feel like a guesstimate. Whether you’re a student or a parent, understanding these fees is crucial for preparing financially on the next big step. From private universities to public schools in the Philippines, the price tags can vary widely. Public University Tuition Fees in the Philippines In no particular order, we’ll go first with the public schools in the Philippines. Note: The Philippine legislature established free tuition and exemption from other fees in state universities and […]
- [Financial Literacy Seminar for Professionals w/ Ameena Rey-Franc & Cambridge University: How Different Generations Handle Money Philippines](https://thethriftypinay.com/2024/09/19/how-boomers-gen-x-millennials-gen-z-handle-money-differently-w-cambridge-university/): Do Boomers, Gen X, Millennials & Gen Z handle money differently?
- [Financial Speaker Ameena Rey-Franc w/ JA Philippines, Wells Fargo, and DepEd Philippines](https://thethriftypinay.com/2024/09/16/ttp-as-speaker-for-ja-philippines-wells-fargo-and-deped-philippines/): In my recent speaking engagements with JA Philippines, Inc., Wells Fargo Philippines, and the Department of Education (DepEd) Philippines, I had the privilege of being a part of a panel discussion that was focused on financial literacy and empowerment of individuals—from students to DepEd teachers, educators and corporate professionals. Partnering with these organizations allowed me to contribute to a larger movement towards fostering financial responsibility and literacy across different sectors of society. Do you believe that when you discover something you’re passionate about, it’s worth pursuing with dedication and enthusiasm, as it can bring fulfillment and success? This was something […]
- [MySSS Pension Booster: Everything You Need to Know & FAQs](https://thethriftypinay.com/2024/09/13/how-to-apply-mysss-pension-booster-faqs/): SSS is aiming even higher, with hopes for a 7.2% interest rate.
- [Financial Literacy for Women by Ameena Rey-Franc: “Be a SheFO” with Insular Life Sheroes Philippines](https://thethriftypinay.com/2024/07/24/how-to-be-a-shefo-by-the-thrifty-pinay/): Are you ready to take control of your financial future and become a SheFO?
- [Retirement Fund Plans in the Philippines (w/ Tips & Strategies)](https://thethriftypinay.com/2024/06/11/retirement-fund-plans-in-the-philippines/): Exploring various retirement fund plans in the Philippines and methods becomes imperative for Filipinos aiming for early retirement, or in other words, aiming to FIRE.
- [Why Plan For Retirement As Early As Possible](https://thethriftypinay.com/2024/06/04/why-plan-for-retirement/): During one of my seminars where I had attendees ranging from age 25 and above, one of them asked me if I had any money advice that young adults should follow. Without hesitation, I said “Work on your retirement as early as now.” Due to time constraints, I hadn’t had time to expound my answer so I thought of writing this post to prove my point. Myth about retirement planning In the Philippines, the Retirement Law states that the compulsory age is 65 unless stated otherwise by an employer. This is prolly why most Filipinos think of retirement as the […]
- [What You Need To Know About Retirement Planning](https://thethriftypinay.com/2024/06/03/what-you-need-to-know-about-retirement-planning/): Retirement is like taking a vacation. This same framework can be used in our real adulting life. We need to build our savings, investments, and most of all, our retirement...
- [Financial Literacy for Students: Cha-Ching's 1M Students Philippines](https://thethriftypinay.com/2024/05/31/cha-ching-philippines/): My son and I were invited to Cha-Ching, a financial literacy program for kids!
- [How to Invest in REITs in the Philippines 2024](https://thethriftypinay.com/2024/04/20/how-to-invest-in-reits-in-the-philippines-2020/): Have you always wanted to invest in Real Estate but lacked the funds to buy one?  Investing in real estate involves shelling out tons of cash because property prices are quite expensive. Fortunately, real estate developers and financial institutions have found a solution to make property investing very much attainable to more people. 
- [Financial Literacy Seminars in the Philippines To Improve Your Team's Financial Health](https://thethriftypinay.com/2024/04/16/best-seminars-for-financial-management-philippines/): Have you given your team a financial health check lately?
- [List of Montessori Schools in the Philippines & Tuition Fees](https://thethriftypinay.com/2024/04/08/list-of-montessori-schools-tuition-fees/): More and more parents have been gushing over the idea of enrolling kids in a Montessori school. But what are the pros and cons of this approach and is it affordable?
- [120 Best Products to Sell Online in the Philippines 2024](https://thethriftypinay.com/2024/04/05/best-products-sell-online-philippines/): This list will feature 100 in-demand items that are the best options to sell next year. I have clustered them into several niches that will make it easier for you to navigate!
- [How to Start a Transportation and Logistics Business in the Philippines](https://thethriftypinay.com/2024/04/01/how-to-start-a-transportation-and-logistics-business-in-the-philippines/): This guide will walk you through what you need to know before starting this booming industry. From finding the right options for transportation business to navigating logistics landscapes in the Philippines, we've got you covered.
- [Financial Literacy in the Philippines: Scope, Statistics, Tips 2024](https://thethriftypinay.com/2024/03/10/financial-literacy-philippines/): Let’s explore the statistics on Financial Literacy in the Philippines, how young professionals are doing financially, and what the best Financial Literacy Programs in the Philippines are.
- [Financial Resiliency (Nutritionists & Dietitians Seminar Philippines)](https://thethriftypinay.com/2024/02/27/financial-resiliency-seminar-philippines/): In this Financial Resiliency seminar for Nutritionists & Dietitians of the Philippines held at the Century Park Hotel, we explored methods in building a rock-solid financial foundation and how to assess one's personal cash flow statement.
- [How to Start A Pares Business in the Philippines](https://thethriftypinay.com/2024/02/25/how-to-start-a-pares-business/): If you’re planning to start a pares business in the Philippines, there are a few things you should consider.
- [8 Best Paid Survey Sites For Extra Income Philippines 2025](https://thethriftypinay.com/2024/02/19/best-survey-sites-philippines/): 8 Best Paid Survey Sites For Extra Income Philippines 2025: Do you like to share your opinion? Or perhaps you’re just looking for a more productive pastime than just mindlessly browsing on social media? Either way, how about sharing some of your opinions on the best Philippine online survey sites for extra money? Yep, these survey sites let common people earn money for their thoughts. You can definitely make a good amount of money by completing surveys on some of the best survey sites in the Philippines. All you need is an email address, internet connection, and a little patience […]
- [13 Best Investments for Beginners in the Philippines 2024](https://thethriftypinay.com/2024/02/19/12-best-investments-for-beginners-in-the-philippines/): 13 Best Investments for Beginners in the Philippines 2024: If your goal today is to start investing for your future but you’re quite unsure where to exactly start, you’re at the right place. Investing doesn’t have to be scary, confusing, or complicated. In fact, investing as early as now is one of the best long-term moves you can make, especially if you have yet to achieve some financial goals or you’re a few decades away from retirement. So, we’ve compiled a list of the 13 Best Investments for Beginners in the Philippines so you can kickstart your investing journey in no time: […]
- [How to earn 30k, 50k, 100k, 200k per month in the Philippines](https://thethriftypinay.com/2024/02/04/how-to-earn-30k-50k-100k-200k-per-month/): Is it still possible to earn 30K to 200K a month in the Philippines?   Yes. Contrary to popular belief, there are various untapped means of making money in the Philippines. 
- [Best Insurance For Kids Philippines (To Secure Their Future)](https://thethriftypinay.com/2024/01/15/best-insurance-for-baby/): We all want the best for our children and that mostly comprises protecting their future. Thus, the search begins for the best insurance for baby Philippines.
- [5 Business Expenses for Business Owners in the Philippines (which you shouldn't miss)](https://thethriftypinay.com/2024/01/15/list-of-expenses-for-business-owners/): We will not only go through expenses exclusive for businesses but also general expenses you have to take note of when the year starts.
- [How to Pass the Civil Service Exam in the Philippines](https://thethriftypinay.com/2023/12/25/how-to-pass-the-civil-service-exam-in-the-philippines/): For many professionals, the civil service exam in the Philippines is the "Bar Mitzvah" that decides your fate as a government worker. Passing this gives you an advantage over non-passers in bagging “plantilla” or permanent positions in government institutions.
- [Investments Seminar for Professionals w/ UL Skin Sciences Inc. Philippines](https://thethriftypinay.com/2023/11/21/investments-seminar-for-professionals-philippines/): Whether you’re at the beginning stages of creating an investment plan or aiming to revamp your existing one, you should harness the fundamental principles to assert control over your investment portfolio. With the aid of Investments Seminars in the Philippines, these can guide you through crucial steps – from establishing goals and managing expectations to the art of rebalancing and tuning out market noise. Investments Seminar for Professionals w/ UL Skin Sciences Inc. Philippines I was honored to receive an invitation from a reputable company, UL Skin Sciences Inc, to serve as a speaker for their employees. Since their workforce […]
- [Personal Finance for Mompreneurs Workshop w/ Mindful Mompreneurs Club Philippines](https://thethriftypinay.com/2023/11/20/personal-finance-for-mompreneurs/): I was honored to receive an invitation to speak for Mindful Mompreneurs Club (MMC), a recognition that underscored the intersection of my experiences as both a mother and an entrepreneur.
- [How to Become an American Citizen from Philippines - A Detailed Overview](https://thethriftypinay.com/2023/11/06/how-to-become-an-american-citizen-from-philippines-a-detailed-overview/): Home to over 330 million people, America stands as a beacon of opportunity for people seeking a better life. Drawn by its foundational values of liberty and democracy, immigrants arrive in abundance every year, looking to uplift their living standards and seeking countless growth possibilities. Being a hotspot of cultures from all over the world, the country’s cuisine, music, art, and architecture reflect stark diversity, in its truest sense. Lofty mountains, sweeping prairies, lush forests, and desert vistas are the major attractions in this vast country. Talking of acquiring American citizenship, different relocating individuals have different motivations behind the same. […]
- [100 Best Gift Ideas Philippines 2024 (All Occasions)](https://thethriftypinay.com/2023/11/02/best-gift-ideas-in-the-philippines/): If you’re looking for a comprehensive list of the best gift ideas in the Philippines for the most celebrated occasions, we have one for you! 
- ["How Do I Get My Cash Flow In Order?" Workshop for Professionals & Spouses Philippines](https://thethriftypinay.com/2023/10/06/how-do-i-get-my-cash-flow-in-order-workshop-for-professionals-their-spouses/): “When the whole family works together to achieve a certain goal, making small or big financial decisions every day isn’t so hard to do.” — Ameena Rey-Franc This happens to be my favorite takeaway from my latest Cash Flow seminar for Professionals and their Spouses with a private company in Mindanao. Eventually, their children were allowed to attend too making this seminar suitable for families to be strengthened and equipped to reach their unique money goals by being rooted in financial principles. Cash Flow Workshop Philippines: Are you tired of living paycheck to paycheck? Do you want to take control […]
- ["How To Train Your Brain To Save" Finance Seminar w/ Classroom Cafe Philippines](https://thethriftypinay.com/2023/10/06/how-to-train-your-brain-to-save-finance-seminar-w-classroom-cafe/): You Only Live Once! So, don't live life with regret and financial insecurity.
- [What Can You Buy With 100, 200, 500, 1000, 5000 Pesos in Philippines?](https://thethriftypinay.com/2023/09/07/what-can-you-buy-with-100-200-500-1000-5000-pesos-in-philippines/): Ever wondered what you can buy with the money you have? Well, prepare to be pleasantly surprised!
- [Writing Platforms: Earn Money By Writing Philippines](https://thethriftypinay.com/2023/08/22/writing-platforms-earn-money-writing-philippines/): Submit your English and Tagalog works to to these writing online writing platforms to earn money!
- [How To Create An App Philippines (without breaking your budget)](https://thethriftypinay.com/2023/08/01/how-to-create-an-app-in-the-philippines-without-breaking-your-budget/): Build an app in the Philippines with no coding skills for P2,000 and monetize your app to increase your income streams!
- [How To Start a DISHWASHING VENDING MACHINE Business Philippines](https://thethriftypinay.com/2023/07/24/dishwashing-vending-machine-business-philippines/): Yes, it's a vending machine! A dishwashing vendo is starting to make noise on Tiktok and Facebook.
- [How to Start a Digital Marketing Agency in the Philippines](https://thethriftypinay.com/2023/07/24/digital-marketing-agency-in-the-philippines-how-to-start/): Knowing the people to get for your team is one thing, but how do you actually build one? Here are the steps to start your digital marketing agency in the Philippines: 1. Become a digital...
- [AirSWIFT Airlines Philippines Review (Manila to El Nido)](https://thethriftypinay.com/2023/07/04/airswift-airlines-review-manila-to-el-nido/): Was it a swift flight, or not? Here's my honest AirSWIFT Airlines review and what you can expect.
- [Personal Finance Ratios Every Filipino Should Know (So You Can Crush Your Goals)](https://thethriftypinay.com/2023/05/19/personal-finance-ratios/): Money is more crucial today than ever. With the increasing costs of goods and services and the difficulty of getting jobs, being smart with money handling is imperative. Learning personal finance ratios can help Filipinos stay ahead of their financial status, and develop better financial habits from a data-driven standpoint. Financial ratios are popular among businesses to assess their financial health. But finance ratios also help private individuals in their personal financial planning endeavors. In this article, The Thrifty Pinay explores 14 basic personal finance ratios that every Filipino should know. Using your financial information, you can assess your economic strength […]
- [100 Best Business Ideas for Professionals in the Philippines](https://thethriftypinay.com/2023/05/04/best-business-ideas-for-professionals-in-the-philippines/): The Philippines is swarming with professionals. We have 40 million people in the working population. Despite having a definite source of income, you might feel the urge to create more income streams. To help you search, I will list a hundred business ideas for professionals in the Philippines. In this article, we will make sure to provide answers to questions on: Those with knowledge and skills can take advantage of their profession to build a reputable business that highlights their credentials. There are a few business ideas for professionals in the Philippines that can be done full-time, all depending on […]
- [Grab Food PH Merchant Masterclass in Partnership w/ Ameena Rey-Franc Philippines](https://thethriftypinay.com/2023/05/03/grab-food-ph-merchant-masterclass-in-partnership-w-ameena-rey-franc-philippines/): Being invited to speak for Grab Food Philippines was such an honor and also a humbling experience. It was exciting to meet restaurateurs and food business owners of mom-and-pop stores and longtail businesses as they came together for this Merchant Masterclass at the Phinmar Tower, Rockwell on April 24, 2023. I gladly imparted my knowledge on “How to Price your Products to Maximize Profits”, as well as how to mark-up your products effectively. The objective of this seminar was to teach the basics of pricing your products while understanding the rationale and logic of each method used. For each method, […]
- [Telling Your Friends How Much You Make: Pros and Cons](https://thethriftypinay.com/2023/05/01/telling-your-friends-how-much-you-make-pros-and-cons/): Have you ever told your friends how much you earn? Or was there a moment in one of your peer gatherings where you discussed each other’s salary? What do you think are the pros and cons of telling your friends how much you make? Telling your friends how much you’re earning can be a sensitive topic. You may feel like it’s important to be transparent about your finances and to have an open dialogue about money with your friends, but you may also feel like it’s something so private that it’s nobody’s business but your own. So before you and […]
- [How Category Benchmarking Can Help Your Business Stay Ahead of the Competition](https://thethriftypinay.com/2023/04/06/category-benchmarking/): How Category Benchmarking Can Help Your Business Stay Ahead of the Competition In today’s competitive business environment, staying ahead can be challenging. With so many players in the market vying for the same customers, businesses must find ways to differentiate themselves from their competitors. One effective way to do this is through category benchmarking. It compares a business’s performance with the industry standards or the standard best practices. By doing so, businesses can identify areas that need improvement, capitalize on opportunities, and stay ahead of the competition. Understanding Performance Benchmarking Benchmarking involves comparing a business’s performance with the industry standards […]
- [How to Start A Chocolate Shop Business in the Philippines](https://thethriftypinay.com/2023/03/28/how-to-start-a-chocolate-shop-business-philippines/): How to Start A Chocolate Shop Business in the Philippines
- [How to be A Foodpanda Rider in the Philippines (5 Easy Steps)](https://thethriftypinay.com/2023/03/21/how-to-be-a-foodpanda-rider-in-the-philippines-5-easy-steps/): Learn how to be a Foodpanda Rider in the Philippines in 5 easy steps. Do everything online and start you first delivery in a couple of days.
- [How to Claim St. Peter Life Plan in the Philippines](https://thethriftypinay.com/2023/03/19/how-to-claim-st-peter-life-plan-philippines/): For every sort of claim, a distinct set of requirements applies as follows:
- [How to Start a Piso WiFi Business: Everything You Need To Know](https://thethriftypinay.com/2023/03/15/how-to-start-a-piso-wifi-business-everything-you-need-to-know/): I’m sure you’ve seen those little machines with tiny blinking lights and metal coin slots. A large number has been around the Metro and it has also been gaining demand in the provinces in the past years. While you’re wondering how much they earn to be that popular, you’re next question could be: How do I start my own piso WiFi business? So in this article, we’ll answer the following: A Piso WiFi Business is a Passive Income Stream I’m a huge fan of passive income. I mean, who isn’t?  If you have secured investments or own property rentals, good […]
- [Be A Motivational Public Speaker Philippines? Here’s What They Don’t Tell You](https://thethriftypinay.com/2023/03/15/motivational-public-speaker-philippines/): As a finance blogger turned Financial Literacy & Women Empowerment speaker in the Philippines for several talks and webinars, I'm happy to share what I've known throughout my several years of motivating people to understand one's inner psychology of money, and the importance of financial literacy.
- [Best Affordable Life Insurance Philippines for Every Life Stage](https://thethriftypinay.com/2023/03/09/best-affordable-life-insurance-philippines/): When people think about life insurance, they assume it is only for people who are dying – and many more justifications. And I’m truly guilty of having excuses back then when a financial advisor reached out to me. However, the truth is that life insurance is more expensive when nearly to death or as your age increases. That’s why anyone is encouraged to be prepared for the unexpected. Furthermore, it’s one of the most important investments you can make. But you may say, it’s out of the budget which is why you can’t purchase a plan. Well, the best affordable […]
- [12 Ways Teens Can Make Money From Home in the Philippines](https://thethriftypinay.com/2023/03/02/11-ways-teens-make-money-home-philippines/): Age and even location are no longer excuses if you want to earn money online. For teens in the Philippines looking for ways to make money at the comfort of their homes, here are a few ideas to help you get started.
- [Make Money Easily: 8 Earning Apps in the Philippines to Make Extra Income](https://thethriftypinay.com/2023/03/02/earning-apps-in-the-philippines-to-make-extra-income/): In the Philippines, people love to spend time on entertainment, right? And we deserve some spare time to relax as well. Nowadays, a lot of applications (apps) are rising to give us relaxation and enjoyment. Well, did you know that many earning apps in the Philippines can help you make extra income? These are legit apps that not only provide you with entertainment but also let you earn real cash. Isn’t that amazing? Instead of just relaxing through various games or apps in the Philippines, you make money as well. I bet you’re curious now. So, if you’re wondering what […]
- [How to Start a Ramen Business in the Philippines](https://thethriftypinay.com/2023/02/28/how-to-start-a-ramen-business-in-the-philippines/): Convenient, affordable, scalding, and delicious — these are some ways to describe a hot bowl of ramen. Ask any Filipino to name one Japanese dish; I’m certain ramen would come first — the very reason why a lot are asking on how to start a ramen business in the Philippines. Ramen is a popular dish in Japan that has now taken the world by storm (thank you, Naruto!). The rise of Japanese noodle houses and restaurants in the Philippines is proof of its overarching popularity. To those that need a refresher, ramen is a noodle soup that sports a combination […]
- [Women Empowerment & Pink Tax: Another tip to beat inflation in the Philippines](https://thethriftypinay.com/2023/02/17/women-empowerment-pink-tax-philippines/): Here’s something not a lot of Filipinas know about: we are getting HIT EVEN HARDER during these times of high inflation because of the PINK TAX. In a video I posted about Pink tax in the Philippines (the Hidden Tax on Women’s Products), I listed some products wherein women are charged more money than men when it comes to buying stuff that basically work the same way and have the same description. I also shared how you can Ax the Pink Tax in your own little way. What are the impacts of Pink Tax on the lives of women alike? […]
- [How To Price Your Services in the Philippines (w/ Examples)](https://thethriftypinay.com/2023/02/16/how-to-price-your-services-in-the-philippines/): When I plan to monetize my services, I find it hard to price them. I bet you can relate to me and may wonder how to price your services in the Philippines. Also, just like me, you’ve come to realize the importance of pricing your services. Personally, one crucial thing about it is making an extra income the moment you price your services. In addition, it shows the value of what you can offer to a client. So, how to price your services in the Philippines so that all your costs are covered and you’ll eventually get a profit? In […]
- [Real Estate Investment Vs. Stock Investment - Which one is Better?](https://thethriftypinay.com/2023/02/14/real-estate-investment-vs-stock-investment-which-one-is-better/): Real estate and stocks both are established and lucrative investment options. Each of them offer stupendous returns and profitability with a string of risks and rewards attached to it. However, deciding on what the right investing avenue is, can feel like a tough call. Though, both options can generate cash flow and can largely multiply capital gains; many factors must influence your decision-making. Your financial goals, lifestyle, objective, commitment, responsibility, income and various other elements should be the deciding factor of whether you should invest in real estate or stocks; or both. Though real estate investment is a sense of […]
- [60 Profitable Summer Business Ideas in the Philippines](https://thethriftypinay.com/2023/02/13/summer-business-ideas-philippines/): Summer is at hand, and you know what that means… Scorching heat and pesky sunburns? Well, yes. But aside from those, summer offers countless startup opportunities, even if only for the season’s duration.  If you are looking for the best summer business ideas in the Philippines, I’ll give you 60 to choose from! Check them out below: 60 Best Summer Business Ideas in the Philippines Summer Heat-soothing Businesses “Summer” and ”hot sun” are essentially the same. As such, Pinoys will be itching to find heat-soothing businesses to appease the sun’s golden rays. Here are some refreshment-oriented summer business ideas in […]
- [How to Start a Jewelry Business in the Philippines](https://thethriftypinay.com/2023/02/06/jewelry-business-in-the-philippines/): “Uy wow 18k, yayamanin!” How many times have we heard that line before? Since the dawn of time, jewelry ownership has been linked to financial capacity, social status, and prestige. But owning a jewelry business in the Philippines? That’s a different kind of buzz because you’re literally the source of other people’s perceptual wealth and reputation. I’ve owned a couple of precious gems and treasures in my lifetime. That is why I understand why people— girls, in particular— are drawn to it. Jewels exude an alluring and irresistible aura that captures the eyes of onlookers. Having said that, I know […]
- [10 Best Investments for OFWs Philippines (2024 and beyond)](https://thethriftypinay.com/2023/02/03/7-best-investments-ofws/): So whether you want to retire soon or you just want to go back to your motherland as soon as possible, here is a list of investments OFWs can engage in:
- [Best Investments in the Philippines 2025 UPDATED](https://thethriftypinay.com/2023/01/28/table-of-investments/): With a dizzying array of investment vehicles, I decided to collate all the important details of common investment vehicles in just one table to make it easier for us to learn more of these investments without having to jump from one website to another.
- [How to Invest in WISP Plus SSS: A Complete Guide](https://thethriftypinay.com/2023/01/28/how-to-invest-wisp-plus-sss/): Have you heard about WISP Plus in the Philippines? You know what, it’s the latest SSS savings and investment program. Now, I bet you’re wondering how to invest in it, how it differs from the Pag-ibig MP2 or other investment stream, and how to pay and withdraw. For sure you’re doubtful if it’s a good and safe investment – I was too at first. That’s why it’s important to get to know the details. Well, you’re in the right place to get clarifications. I just attended a webinar about it and I’ll be sharing a complete guide on how to […]
- ["Inflation Talk" Webinar With Ingram Micro | Ameena Rey-Franc of The Thrifty Pinay Philippines](https://thethriftypinay.com/2023/01/21/inflation-financial-literacy-webinar-philippines/): The Essential Survival Guide to Living with Inflation in the Philippines
- [Fundline Financial Literacy Webinar Series With Ameena Rey-Franc of Thrifty Pinay](https://thethriftypinay.com/2023/01/21/fundline-financial-literacy-webinar-series-with-ameena-rey-franc-of-thrifty-pinay/): Ameena Rey-Franc (The Thrifty Pinay) as a Guest Speaker for Fundline's Financial Literacy Webinars
- [40 Best Gift Ideas for Filipino Women in the Philippines](https://thethriftypinay.com/2023/01/20/best-gift-ideas-for-women-in-the-philippines/): What are the Best Gift Ideas for Women in the Philippines? As you know, Valentine’s Day is an interesting duality. It manages to be one of the most anticipated days for most women while being a man’s worst nightmare. For one, finding gifts for women is just plain tricky and their indecisiveness is to blame (I speak from experience). When asked, most Filipinas shrug the question off and say “I appreciate anything you give me.” Don’t believe that crap— it’s a trap! Nothing is more aggravating than seeing your partner flare up after you give them a pair of socks on […]
- [How Women's Empowerment in the Philippines is Key to Ending Violence Against Women](https://thethriftypinay.com/2023/01/14/womens-empowerment-philippines/): The emergence of women became visible to the globe as more and more women began to break down barriers created by men. A significant global movement committed to women’s empowerment and fighting for their rights has developed recently and is still making progress. Worldwide, the patriarchal society repressed women’s independence. Women were not permitted to cast ballots or express any opinions. As time passed, they understood that life was much more than merely taking care of the household.  In this article, we’ll discuss: the connection between women’s empowerment and ending violence against women in the Philippines the importance of women’s […]
- [Punishing Violence Against Women in the Philippines: What You Need to Know](https://thethriftypinay.com/2023/01/14/violence-against-women-in-the-philippines/): What are some important things we need to know about violence against women in the Philippines? One prevailing social issue in the Philippines is violence against women (VAW). In 2017, 1 in 4 Filipino women aged 15 to 49 who took part in the Philippine Statistics Authority’s National Demographic and Health Survey reported being victims of physical, emotional, or sexual abuse by their husbands or partner.  It’s troubling that VAW still exists despite efforts to address the problem. Some laws in the Philippines deal with the issues of abuse and violence against women. The “Anti-Violence Against Women and Their Children […]
- [How to Budget 15k, 20k, 30k Salary Philippines (even if you suck at budgeting)](https://thethriftypinay.com/2023/01/11/how-to-budget-15k-20k-30k-salary-philippines/): If you’re reading this, chances are that you want to learn how to budget your salary in the Philippines. Maybe you’ve tried using a budget tracker app or excel sheet but it doesn’t meet what you want. Or perhaps you just have no clue where to start. Don’t worry, you’re not alone. The good news is that it’s not as hard as you think. With a little bit of discipline and organization, you can budget your salary in the Philippines even if you suck at budgeting. In this article, we’ll show you how to budget your 15k, 20k, or 30k […]
- [Best Affiliate Marketing Tips To Make More Affiliate Sales Philippines](https://thethriftypinay.com/2023/01/10/best-affiliate-marketing-tips-philippines/): What are the best affiliate marketing tips in the Philippines? Who would have thought the day would come when onions sell for ₱600 a kilo? If that’s not inflation at its finest, I don’t know what is. But here’s the thing: crises happen. It’s during these emergency predicaments that our resourcefulness or “pagiging madiskarte” skyrockets. You see, most of us tend to waste a good crisis. The only way to survive in this economy is to have a high-paying salary or multiple income streams that pay steadily. One of the best yet simplest passive ways to make money on the side is […]
- [10 Surefire Ways Filipino Remote Workers Can Save Money](https://thethriftypinay.com/2023/01/06/ways-filipino-remote-workers-can-save-money/): What are some ways Filipino Remote Workers can save money? Working online jobs in the Philippines is a relative norm these days, and it is unlikely to go away. The benefits that come with remote working are pretty obvious. (The extreme convenience of waking up ten minutes before your shift;  Or how you could literally cook sinigang while working, then later join your family for lunch). In this article, I’ll be sharing ten tips that can help you save more money as a remote worker. 10 Surefire Ways Filipino Remote Workers Can Save Money in the Philippines 1. Schedule Your Errands. One […]
- [5 Forex Trading Strategies That You Need To Know](https://thethriftypinay.com/2023/01/06/forex-trading-strategies-that-you-need-to-know/): Foreign Exchange is the procedure of converting one country’s currency to another. It is useful for international trading. For example, a person from Canada importing goods from the United Kingdom. The British trader wouldn’t prefer payment in Canadian dollars but instead would ask for the payment in Pounds. Therefore, the need to convert one country’s currency to another at a market rate occurs due to the complex nature of international trading and the differences in the money between different countries. Despite all of that, forex scams still arise, and as a result, many people suffer tremendous losses. They suffer from […]
- [How Does Inflation Affect the Stock Market?](https://thethriftypinay.com/2023/01/03/how-does-inflation-affect-the-stock-market/): In its simplest form, inflation is a controlled rise in consumer goods and service prices. As a result, the cost of living and inflation are correlated; as inflation rises, so does the general price level. Let’s talk about inflation and the main factors contributing to it so that you can grasp the notion. Inflation is caused by supply and demand factors and a rise in manufacturing costs. In periods of economic growth, consumers can spend their money on goods and services. Prices for goods and services will rise because demand will exceed supply. When faced with rising prices, many investors […]
- [10 Ipon Challenge Ideas to Help You Save More (FREE Printables) 2024](https://thethriftypinay.com/2022/12/26/10-ipon-challenge-ideas-to-help-you-save-more-free-printables/): Here are the top 10 Ipon challenge ideas in the Philippines that you can start with this 2023. 
- [ULTIMATE BUDGETING SURVIVAL GUIDE that works every year (Financial Literacy Webinar PH)](https://thethriftypinay.com/2022/12/15/ultimate-budgeting-survival-guide-that-works-every-year-financial-literacy-webinar-ph/): The webinar "ULTIMATE BUDGETING SURVIVAL GUIDE" by Ameena Rey-Franc aims to equip attendees on how to successfully navigate the Holidays without depriving one's self and putting a strain on one's finances and long-term goals. 
- [Tanghalang Pilipino's DAMI MONG ALAM in partnership w/ VISA & BSP](https://thethriftypinay.com/2022/12/15/tanghalang-pilipinos-dami-mong-alam-in-partnership-w-visa-bsp/): This content is password-protected. To view it, please enter the password below. Password:
- [Employers’ Guide to Pay Online Mandated Contributions Philippines 2023](https://thethriftypinay.com/2022/12/03/employers-guide-pay-online-mandated-contributions-philippines/): Employers’ Guide to Pay Online Mandated Contributions Philippines 2023: In today’s day and age, employers are concerned with how they make things more accessible than ever. Just like how to pay online mandated contributions in the Philippines. It’s crucial to make sure that employees’ contributions are posted in real-time. This article will guide you to pay online mandated contributions in the Philippines. Moreover, you’ll know what are the mandated contributions in the Philippines and related updates in it. Read more to find out. Employers’ Guide to Pay Online Mandated Contributions Philippines 2023 What are the Mandated Contributions in the Philippines? […]
- [7 Tips for Starting a Money Lending Business in the Philippines](https://thethriftypinay.com/2022/12/01/7-tips-for-starting-a-money-lending-business-in-the-philippines/): *Guest post by Mukesh Sharma: Are you looking to start a Money Lending Business in the Philippines? Great! We’ve got you covered with 7 Tips for Starting a Money Lending Business. You’re looking to start a business lending money but are just not sure where to start? We’ve done the research and put together some tips for you. But first… What is Money Lending Business? Money lending is an act of lending money to a borrower, usually at an interest rate, in exchange for a promise to repay with interest. Money lending is a business that lends money to borrowers […]
- [How To Pay SSS Employer Contribution Online](https://thethriftypinay.com/2022/11/26/how-to-pay-sss-employer-contribution-online/): If you are regularly paying SSS (Social Security System) contributions in the Philippines, then you know it can be time-consuming and exhausting to go to a certain branch. Sometimes you may take the whole day to finish a single transaction in an SSS branch, especially when you go with the crowd. Now the question is have you ever known how to pay SSS employer contribution online? Yes, you’ve heard it right, online payment channels are available in the Philippines. The good news is you can pay your SSS contributions without leaving your office or home. And it’s easier than you […]
- [The Ultimate List of 100 Budget Categories to include in Your Budget](https://thethriftypinay.com/2022/11/13/100-budget-categories/): Here are 100 Personal Budget Categories to include in Your Budget. My ultimate goal is for you to plan and save money for upcoming expenses instead of using your credit card or dipping into your Emergency Fund to pay for them. By planning these expenses months ahead, you can be on your way to a life of financial freedom. This is also one way where you can see where you can cut expenses
- [Start Your Own Shawarma Business in the Philippines](https://thethriftypinay.com/2022/11/08/shawarma-business-philippines/): How to Start a Shawarma Business in the Philippines: What do random streets, malls, and LRT stations have in common? A shawarma stall. As someone who grew up in the Middle East, I have always loved the authentic taste and the aroma of a good ol’ shawarma! Surprisingly, shawarma stalls are dotted in almost every area across the country. This Ottoman Empire-originating food is one of the most popular non-Filipino food in the Philippines, alongside takoyaki and siomai. It’s quite easy to understand how this food item swept the country off its feet. Here are the reasons for shawarma’s overarching […]
- [Pink Tax in the Philippines (Hidden Tax on Women's Products)](https://thethriftypinay.com/2022/11/03/pink-tax-in-the-philippines/): Have you ever wondered why some certain “pink” products that are labeled for women are more expensive than their male counterparts? Considering that both products have the same description and purpose? Ridiculous, isn’t it? And some of the companies that manufacture these goods have no specific justified reason for the disparity of the prices between men and women. Pink tax in the Philippines is not an actual tax that you pay to the government, but it is discriminatory. In simple terms, we can refer to it as the price difference solely based on gender. Items that are labeled as “for […]
- [Best Female Financial Bloggers and Influencers Philippines](https://thethriftypinay.com/2022/11/02/best-female-financial-bloggers-influencers-philippines/): Are you looking for the best female financial bloggers and influencers in the Philippines? If so, you’ve come to the right place! There are a lot of great financial bloggers and influencers out there and Filipino women are one of those who make a great impact on the lives of the people in the Philippines. Thus, if you’re looking for great financial advice or investment tips from trusted women, you must check out this list of the best female financial bloggers and influencers in the Philippines. You’re sure to find something helpful about investing or saving money, whether you’re starting […]
- [How to Start a Sticker Business in the Philippines](https://thethriftypinay.com/2022/10/25/start-a-sticker-business-in-the-philippines/): Creative side hustles need not be complicated and met with a mountain of upfront costs. If you’re one to be in touch with your artistic nature and are looking for a unique niche for a small business, selling stickers may be your thing. Unlike other side hustles, sticker selling has a relatively low barrier to entry. They are cheap to prepare yet still offer good profit margins. Of course, it comes with a few qualifications. As long as you can draw or produce your own design via software, you should be fine. But how does one start a sticker business […]
- [How to Start a Fruit and Vegetable Business Philippines](https://thethriftypinay.com/2022/10/20/fruit-and-vegetable-business-philippines/): How to Start a Fruit and Vegetable Business Philippines: As Filipino kids, learning about go, grow and glow food is a foundational knowledge that all children go through. Go foods talk starches and energy-providing food items, grow refer to protein-dense meals while glow are your fruits and vegetables. Wherever you are in the country, glow food is always a banner requirement in Pinoy’s everyday meals. After all, they complement go foods like rice perfectly and they’re far cheaper than grow foods like fish and meat.  My point is: there will always be Filipinos in search for fruits and vegetables in […]
- [How to Prepare an Income Statement Philippines (w/ Example)](https://thethriftypinay.com/2022/10/09/prepare-income-statement-philippines-example/): Are you a business owner or someone who’s been asked to prepare an income statement in the Philippines? Or an individual who needs a step-by-step guide on how to make an income statement? Then, you are in the right place. In this post, I will show you how to prepare an income statement in the Philippines with an example. Also, I’ll explain what an income statement in the Philippines looks like, why it is significant, and what you should include to prepare one. So, if you’re ready to learn more about an income statement in the Philippines, let’s get started! […]
- [Guide to Business Casual Attire Women (w/ example) Philippines](https://thethriftypinay.com/2022/09/30/guide-to-business-casual-attire-women-philippines/): Business Casual Attire Women Philippines: “First impressions last.” Back in the good old days when I was a corporate employee, I never gave much thought to this line as a professional. But anyone that has traversed the professional domain knows that leaving a good impression is a factor in one’s success. What better way to leave a positive impression than dressing for the occasion? This reality has forced femalehood to adopt a new in-between level of formality – business casual attire for women in the Philippines! So in this guide, we’ll help you master this style elegantly so you can […]
- [Women’s Guide on How to Make Extra Income in the Philippines](https://thethriftypinay.com/2022/09/24/make-extra-income-in-the-philippines/): In today’s economy, it’s more important than ever for women to have a job or make another source of income for the family. The good news is that there are many opportunities for women to make extra income in the Philippines. You just need to know where to look and be open to embracing flexibility. In this article, we’ll give you a few tips on how to find another source of income. We’ll also share some ideas on what you can do to work with flexibility and still have so many opportunities to make extra money. So if you’re ready […]
- [St. Peter Life Plan Review Philippines: Honest Review](https://thethriftypinay.com/2022/09/16/st-peter-life-plan-philippines-review/): St. Peter Plan Review Philippines: I initially brushed off the suggestion of buying a life plan for my death or for a family member because I find the concept scary. But St. Peter Life Plan Philippines arrived and altered my perspective. In 2018, I received my St. Gregory life plan from St. Peter Life Plan in the Philippines which offers a lifetime bundle of funeral and memorial services. Four years ago, my life plan had a lower contract price and installment payments than today’s prices. So today, I will share my St. Peter Life Plan Review as well as the […]
- [Stock Picking In Times Of High Inflation Philippines](https://thethriftypinay.com/2022/09/15/stock-picking-in-times-of-high-inflation-philippines/): Stock Picking In Times Of High Inflation in the Philippines: Inflation concerns persist however, stock market investors are advised now to no longer be disheartened by this scenario. Inflation gradually slowed to 6.3% in August from around 6.4% in July due to oil prices and increases in food prices. Inflation has now averaged at around 4.9% year-to-date and BDO Securities is expecting it to settle at 5.3% for this fiscal year assuming inflation will peak this quarter. However, the Philippines as a food and energy importer remains vulnerable to inflation risks given its status. According to Abigail Chiw, BDO Securities […]
- [An Interview w/ CFO Today (INC Tv)](https://thethriftypinay.com/2022/08/22/an-interview-w-cfo-today/): This content is password-protected. To view it, please enter the password below. Password:
- [7 Tips You Can Do When Someone Doesn't Pay You Back | Philippines](https://thethriftypinay.com/2022/08/18/7-tips-you-can-do-when-someone-doesnt-pay-you-back-philippines/): Someone owes me money and has been ignoring me and my messages whenever I reach out. Now the fact that you’re reading this post means you’re probably in the same boat. In the Philippines, one of the most dreaded words is “utang” or borrowing money. But for some reason, it’s also a practice that most individuals can’t avoid doing. While there’s nothing inherently wrong with borrowing money (professionals take loans every time), the problem arises when you lend people money and then they unknowingly or intentionally skimp on the payment. They say, when you let people borrow money, you should […]
- [5 Best Loan Apps in the Philippines To Get Instant Cash](https://thethriftypinay.com/2022/08/17/best-loan-apps-philippines/): Best 5 Loan Apps in the Philippines: Budget planning is an effective financial tool that allows you to stay afloat even in difficult financial situations. But even competent budget management does not save from force majeure situations requiring certain expenses. Is the washing machine broken? Did one of your relatives get sick, and now you need to buy a large amount of medicine? Did you get a bargain trip to a country you’ve always dreamed of visiting? It is good if you have money set aside for such cases. But what to do if not? Or is this money simply […]
- [6 Tips to Succeed in a Job Unrelated With Your Major](https://thethriftypinay.com/2022/08/15/6-tips-to-succeed-in-a-job-unrelated-with-your-major/): Do you know an idea that many old-school Filipinos don’t particularly subscribe to? It’s this: Your career doesn’t have to be aligned with your degree to be successful. Even the boxed ideation that a college degree is a prerequisite to propel one to success is obsolete. In this age of the internet, there’s much room to expand your horizon and work your way up. If you happen to land a career that’s far from your major, here’s the first thing you should do. Don’t panic. The only thing blocking you from your pursuit of success is Imposter Syndrome. This is […]
- [Is Buying A Repossessed Car A Good Thing in the Philippines?](https://thethriftypinay.com/2022/08/13/is-buying-a-repossessed-car-a-good-thing-philippines/): Buying a new car in the Philippines can be very tempting nowadays, especially with all the promos and low downpayment schemes being offered left and right. Some Filipinos would opt to shell out a large downpayment to somehow minimize the exorbitant monthly payments, or pay in cash to avail of discounts – which both are smart moves, by the way. But not a lot of Filipinos know that there is another way of owning a car without actually breaking the bank! It’s called ‘buying a repossessed car”, and so in today’s post, we’ll talk about the advantages and disadvantages of […]

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