April 22, 2026
Avoid Lifestyle Creep When Getting Promoted
Why earning more often leads to saving less, and how to defend your budget from lifestyle inflation.
By Sahod PH
Financial Insights
Expert advice, guides, and updates to help you master your personal finances in the Philippines.
April 11, 2026
How to File 8% Flat Rate Tax for Freelancers 2026
Navigating freelance taxes in the Philippines can be confusing. Here is exactly how to opt into the BIR 8% flat income tax rate, including who qualifies and the math behind it.
By Sahod PH
April 11, 2026
Index Funds vs Stock Picking: Why You Lose Money
Think you can beat the market by picking hot stocks? The statistics disagree. A mathematical breakdown of why boring index funds destroy active trading in the long run.
By Sahod PH
April 1, 2026
How to Budget With Fluctuating Freelance Income
Surviving the freelance rollercoaster. How to budget when you literally don't know what you'll make next month.
By Sahod PH
March 26, 2026
Stop FOMO Spending & Save Your Finances
A harsh vibe check. Buying things just to keep up with the timeline is sabotaging your real goals.
By Sahod PH
March 25, 2026
FIRE Movement Philippines: The Math to Retire Early
Is retiring early just a western fantasy? Let's run the numbers. A pragmatic, formula-driven guide to achieving Financial Independence, Retire Early (FIRE) in the Philippines.
By Sahod PH