Author: Thanjo Francisco

Many people approach budgeting with good intentions. They download apps, write down expenses, follow categories, and promise themselves to stick to the plan. On paper, everything looks organized. But emotionally, something else is happening. Instead of feeling in control, they feel restricted.Instead of feeling empowered, they feel guilty. They follow the budget, but every unplanned […]

We talk about money a lot in the Philippines. We talk about salaries and prices, investments and hustles, side gigs and survival strategies. Money is everywhere in our conversations—at the dinner table, in group chats, in quiet late-night calculations. But there is one conversation we rarely have: How we actually experience money. And that, I […]