Personal Finance Archives — Financial Adviser

Does Every Filipino Really Owe the National Debt?

FinancialAdviser.ph — Mon, 14 Sep 2026 00:13:37 +0000

Every time the Philippine government announces a new record in national debt, a familiar headline usually follows. “Every Filipino now owes more than ₱150,000.” The statement is simple, easy to understand and often repeated in public discussions about government borrowing. But according to economist Dr. Jesus Felipe, it also gives many people the wrong impression [...]

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Can the Philippine Government Really Create Money?

FinancialAdviser.ph — Wed, 09 Sep 2026 03:40:04 +0000

Most Filipinos have been taught to think about government finances the same way they think about their own household budget. Before a family can spend, it must first earn income, borrow money or use its savings. When discussions turn to the national budget, the same logic is often follows. If the government wants to build [...]

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The Philippines Grew, But Did Its Economy Really Develop?

FinancialAdviser.ph — Tue, 08 Sep 2026 07:52:35 +0000

Economic growth tells us whether an economy has become larger. It does not necessarily tell us whether the industries within that economy have become more deeply connected to one another. An industry can grow rapidly but purchase much of what it needs from abroad. Another may be relatively small but support an extensive network of [...]

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Is the ₱85 Minimum Wage Hike Fair? This Economist Says Productivity Is Only Part of the Answer

FinancialAdviser.ph — Wed, 19 Aug 2026 02:39:50 +0000

Almost everyone agrees that workers should receive a fair wage. The difficulty begins when employers, employees and policymakers try to define what “fair” actually means. Should wages reflect how much a worker produces? Should they be enough to support a family? Should companies pay more simply because their profits have increased? Or should compensation depend [...]

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Why Consistent Saving Is More Powerful Than People Think, According to this Financial Planner

FinancialAdviser.ph — Thu, 13 Aug 2026 08:22:33 +0000

Many people believe that building wealth requires a large income or a brilliant investment strategy. The common assumption is that financial success comes from finding the right opportunity at the right time. But according to Registered Financial Planner Christopher Cervantes, the real driver of long-term wealth is far simpler: consistency. Speaking at the 14th Financial [...]

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How to Know Whether You Are Saving Too Much and Investing Too Little

FinancialAdviser.ph — Fri, 07 Aug 2026 02:43:19 +0000

Saving money is one of the first financial habits people are encouraged to develop. It provides protection against emergencies, reduces dependence on debt and creates funds for future goals. But there may come a point when keeping too much money in a savings account begins to work against you. Registered Financial Planner Janice Sabitsana says [...]

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This Financial Planner Says Pag-IBIG MP2 Can Help Filipinos Grow Their Savings. Here’s What to Know

FinancialAdviser.ph — Wed, 05 Aug 2026 05:36:32 +0000

Saving money is often presented as a simple habit: spend less than what you earn and set aside the difference. In practice, many Filipinos struggle to do it consistently. Household expenses compete for every peso, while busy work schedules and complicated financial products can make saving feel like another task that is easy to postpone. [...]

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Inflation Never Stops. Here’s How to Keep Your Wealth Growing

FinancialAdviser.ph — Mon, 03 Aug 2026 07:36:02 +0000

Most people know that prices rise over time. What they often fail to recognise is how much inflation can quietly reduce the value of their savings. A retirement fund that looks sufficient today may no longer support the same lifestyle 20 or 30 years from now. The same amount of money will buy fewer groceries, [...]

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The Discount Deception: Why That Sale Price Isn’t Saving You Money

FinancialAdviser.ph — Fri, 17 Jul 2026 00:37:54 +0000

We’ve all seen it—big red tags shouting “SALE” and tempting us with 40% to 70% off. The math feels like a win. You tell yourself, “I saved ₱400!” But according to Fitz Villafuerte, a Registered Financial Planner (RFP), that kind of thinking could be sabotaging your savings. “If you bought something that’s originally P1,000 for [...]

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How ‘On The Money’ Turned Edric Mendoza From Interviewer Into Financial Planner

FinancialAdviser.ph — Fri, 17 Jul 2026 00:23:32 +0000

Career turning points do not always begin with a carefully prepared plan. Sometimes, they start with an unexpected question, a chance conversation, or an opportunity that seems unrelated to the work a person is already doing. For Edric Mendoza, the path to becoming a Registered Financial Planner began not in a bank, an investment firm, [...]

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