Guides

Guides to Philippine money habits and semi-monthly budgeting, for readers anywhere.

• 13th Month Pay in the Philippines: A Plain-English Guide for Remote Employers and OFWs
  Hiring Filipinos or earning abroad? The Philippine 13th month pay is 1/12 of annual basic salary, due Dec 24. Who's entitled, who isn't, and the tax rule.
• How to Budget on a Semi-Monthly Paycheck (Paid on the 15th and 30th)
  Paid twice a month? Budget per paycheck, not per month: the 50/30/20 split per pay period, a bills calendar, and a daily spend number. Works in any currency.
• What Is a Paluwagan? The Filipino Savings Circle, Explained for Diaspora and OFW Groups
  Paluwagan is the Philippine rotating savings circle (a ROSCA). How it works, why Filipino communities abroad still run them, the rules, and a free schedule maker.
• Christmas Paluwagan: How Filipino Groups Abroad Plan a Savings Circle That Pays Out Before December 25
  How to plan a Christmas paluwagan (rotating savings circle): work back from the last payout, a six-member weekly example, slot order and rules for groups abroad.

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