The Filipino Wealth Project

Practical financial education for Filipinos. Money, income, investing & wealth—without the guru BS. Because the paycheck ends, but expenses do not. 🇵🇭

[The Filipino Wealth Project @WealthProjectPH]

Small business + AI?
Don't start with the fanciest automation.
Start with:
“Ano ang paulit-ulit kong ginagawa araw-araw?”
FAQs.
Admin.
Summaries.
First drafts.
Product descriptions.
Automate one boring task first.
Save time. Check the output. Then expand.
#TFWP 🇵🇭

[The Filipino Wealth Project @WealthProjectPH]

Starting a business?
Don’t ask only:
“Magkano para makapagsimula?”
Also ask:
“Magkano para magpatuloy?”
Production is only one cost.
Permits. Certification. Inventory. Logistics. Marketing. Scaling.
Your capital has to survive Day Two.
#TFWP 🇵🇭

[The Filipino Wealth Project @WealthProjectPH]

PH foreign reserves rose to $104.8B in August.
Good buffer.
But PH still posted a $596M balance-of-payments deficit that month.
Household version:
Malaki ang emergency fund ≠ okay lang laging negative ang monthly cash flow.
Savings protect you.
Cash flow sustains you.
#TFWP 🇵🇭

[The Filipino Wealth Project @WealthProjectPH]

“₱10 lang naman ang transfer fee.”
Sure.
But 20 transfers = ₱200.
A new BSP/RCBC study found that lower or zero InstaPay fees made people transfer more often — and encouraged some inactive users to start using it.
Small fee. Real behavior change.
Know your free options.
#TFWP

[The Filipino Wealth Project @WealthProjectPH]

Before asking:
“Saan magandang mag-invest?”
Ask first:
“May natitira ba talaga sa pera ko every month?”
Income − expenses = surplus.
That surplus can fund savings, investing and the things you enjoy.
Cash flow first. Investing second.
#TFWP 🇵🇭

[The Filipino Wealth Project @WealthProjectPH]

OFW remittances hit $3.24B in July.
But household money still comes down to 3 jobs:
NGAYON — bills & needs
BUKAS — savings & goals
SAYA — family & things you love
Money is meant to be spent.
Just build enough so enjoying today doesn’t make you afraid of tomorrow.
#TFWP 🇵🇭

[The Filipino Wealth Project @WealthProjectPH]

Fuel went up again today:
Gasoline +₱5.68/L
Diesel +₱4.31/L
Kerosene +₱4.62/L
The DOE has confirmed the price trigger that allows government to consider cutting fuel excise taxes.
It means:
Relief is now legally possible.
The question is whether they actually use it.
#TFWP

[The Filipino Wealth Project @WealthProjectPH]

Dagdag sahod is good.
But if every raise immediately becomes:
better phone
more deliveries
another installment
another subscription
…your income went up, but your financial situation didn't.
A raise should buy you more options—not just more expenses.
#TFWP 🇵🇭

[The Filipino Wealth Project @WealthProjectPH]

Foreign investment into PH fell 17.8% in the first half of 2026.
Sounds boring?
Pero isipin mo:
Less investment can eventually mean fewer expansions, fewer new businesses and fewer opportunities for better jobs.
Economic numbers matter when they become paychecks.
#TFWP

[The Filipino Wealth Project @WealthProjectPH]

“May trabaho naman ako.”
Good.
But employment and financial security are not the same thing.
You can have a job and still have:
no savings
too much debt
no emergency fund
no room to invest
A salary gives you income. The goal is to turn some of it into options.
#TFWP

[The Filipino Wealth Project @WealthProjectPH]

Oil near $100/barrel.
Peso at a record ₱62.625/$.
For an oil-importing country, that's a nasty combination:
Higher oil = more expensive energy.
Weaker peso = more pesos needed to buy it.
Fuel → transport → business costs → your wallet.
This is why exchange rates matter.
#TFWP

[The Filipino Wealth Project @WealthProjectPH]

You don't need a car to care about tomorrow's fuel hike.
⛽ Gasoline +₱4.69/L
⛽ Diesel +₱5.18/L
⛽ Kerosene +₱5.58/L
Fuel moves people, food and goods.
Higher fuel costs don't stay at the gas station.
Eventually, they find their way into your wallet.
#TFWP 🇵🇭

[The Filipino Wealth Project @WealthProjectPH]

Inflation eased to 6.1% in August.
Sounds like good news.
But for the bottom 30% of Filipino households, inflation was 8.2%.
That’s the number worth paying attention to.
Because averages can tell one story.
Your household can be living another.
#TheFilipinoWealthProject #TFWP

[The Filipino Wealth Project @WealthProjectPH]

FX Weekly Recap: May 19 – 23, 2025 https://t.co/j0ZLhYepWR

[The Filipino Wealth Project @WealthProjectPH]

Global Market Weekly Recap: May 19 – 23, 2025 https://t.co/mcV70qdM4p

[The Filipino Wealth Project @WealthProjectPH]

Daily Broad Market Recap – May 22, 2025 https://t.co/oSgUhT0R30

[The Filipino Wealth Project @WealthProjectPH]

GBP Popped Higher On Stronger CPI But Gains Short-Lived https://t.co/z4KoMH8dTZ

[The Filipino Wealth Project @WealthProjectPH]

Daily Broad Market Recap – May 21, 2025 https://t.co/zpqDqJWQ6A

[The Filipino Wealth Project @WealthProjectPH]

Daily Broad Market Recap – May 20, 2025 https://t.co/6ZckFWnpI3

[The Filipino Wealth Project @WealthProjectPH]

AUD Slumps After RBA’s Dovish Rate Cut, Slightly Recovers on Bullock Comments https://t.co/X3IVgoowNa