Guides

Money guides for the kinsenas life: budgeting, ipon, 13th month, paluwagan.

• 13th Month Pay in the Philippines: How It's Computed and What to Do With It
  13th month pay = total basic salary this year ÷ 12, due by Dec 24. Check your amount, the ₱90k tax rule, and a kinsenas-friendly plan for spending it.
• Black Friday: 7 Impulse-Buy Traps and What to Do Instead
  Countdown timers, free-shipping minimums, pay-later splits: 7 Black Friday impulse traps in online shopping and a peso-sized fix for each.
• Black Friday in the Philippines: Set a Spending Cap Before You Open the App
  Black Friday is Nov 27. Set a peso cap from your wants budget before the sale starts, with worked examples for ₱15k to ₱25k salaries.
• How to Budget a Kinsenas Salary: The 50/30/20 Rule in Pesos, Per Cut-off
  Paid on the 15th and 30th? Budget per cut-off, not per month. The 50/30/20 split in pesos for ₱15k–₱35k salaries, a bills calendar, and a free sahod calculator.
• Paluwagan: How It Works, the Rules That Keep It Safe, and a Schedule You Can Share
  Paluwagan explained: how the rotation works, the 9 rules every group needs, red flags, and a free schedule maker you can share in the group chat.

Read this in: English Taglish