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Thinking about upgrading your home? Maybe you need a new refrigerator, TV, or air condi...
Hey, luv! Let’s talk about loans—yep, that thing we all wish we didn’t need but often t...
Let’s talk about something we’re all guilty of at some point—spending habits that secre...
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When the going gets tough, many Filipinos look to other sources of income or even start their own businesses to get by and foot their bills. It’s a great plan, considering the actual salary that most of the working population get is just enough to tide them through the barest of necessities each month. Nonetheless, did you know that there still are quite a few helpful benefits extended to salaried or employed Filipinos?
We know how stressful it can get for employed Filipinos especially when unforeseen incidents happen. For such trying times like emergencies, you can…
Quick Take: Can I go to jail for not paying online loans in the Philippines?
Fortunately, you can't be jailed in the Philippines for not repaying loans, as stated in the Philippine Constitution. Instead, creditors may file civil cases to enforce repayment, including interest or penalties if applicable.
Are you feeling overwhelmed by unpaid loans? Don’t worry, luv, we got you covered! In this blog, we'll dive into the nitty-gritty of unpaid…
Online lending apps are becoming more prevalent in the Philippines. They’ve become just as commonplace in a person’s phone these days as their favorite social media app and streaming platform. There’s no big secret why: online lending apps are fast, easy and convenient. Which mortal with a long list of needs can say no to that?
However, it's important to navigate this online lending age…
If you have credit cards or if you’ve ever borrowed money through a loan, it’s crucial that you know how to check your credit score.
Your credit score is a number that represents your creditworthiness. As a result, it can have a significant impact on your ability to obtain any form of financing, such as credit cards and personal loans.
If this is your first time…
Fintech
Vlogging, online selling, and starting a virtual tutorial service… These are just some of the most popular online businesses started by Filipinos in recent years. The convenience, flexibility, and vast market reach offered by online platforms have inspired many entrepreneurs to embark on their digital ventures. Plus, the increase in online shopping activity among Filipinos during the pandemic has convinced many of us to start a business online.
Although, there is one crucial aspect that often determines the sustained success of any business—whether it’s a brick-and-…
Did you know? There are over a million small and medium enterprises in the Philippines as of 2021. And a recent study also noted that 4 out of 5 Filipinos are interested in entrepreneurship. This clearly shows that Filipinos have a strong entrepreneurial spirit. Many of us know that doing business can not only help…
There is so much room for growth and innovation in Southeast Asia’s digital banking landscape -- especially here in the Philippines. But because the industry is still in its initial stages of development, there are some critical gaps that need to be addressed before digital banking can fully take off in the region.
In an episode of On Call with Insignia Podcast, our Strategic Associate Jui Takle shares an overview of the…
Savings
Quick take: How much are time deposit interest rates in the Philippines?
It depends on the bank, luv! If you want to save and earn big with a Time Deposit, choose Tonik. Earn up to 6% interest p.a. Just make sure to maintain an average daily balance (ADB) of PHP10,000! Never heard of an ADB before? Learn more here.
Quick Take: How much should you save each month?
Try the 50/30/20 method! Set aside 50% of your monthly income for essentials, 30% for wants, and 20% for savings.
So, you've been thinking about beefing up your savings, huh? Whether you're gearing up for the rainy days, eyeing that dream vacay, or just wanting a cushier cushion for those "just in case" moments, you're in the right place, luv. Let's dive into the art of saving without feeling like you're giving up your daily joys—yes, even your beloved Frappuccino in the morning.
Quick Take: How to Create a Budget?
Here's a quick step-by-step! Start by calculating your net income. Afterwards, be diligent in tracking your spending. Then, set realistic goals so you don't get discouraged. Make a plan to reach these goals and adjust your spending if needed. Finally, don't forget to review your budget regularly!
Ever wonder why most budgeting advice feels like it’s written for someone living on another planet? You try to follow it to the letter, but somehow, you end up feeling more restricted than ever.
Would you be ready if (and when) your car breaks down? Can you confidently say you’re prepared to face a sudden layoff? How about an emergency medical expense?
We never wish for these unexpected scenarios to happen… but it’s best to be prepared, luv. That’s why having an emergency fund in place is truly important. With an emergency fund, you have a financial buffer that cushions you from the impact of life’s unpredictable moments, ensuring they don’t escalate into full-blown crises.
Loan
Thinking about upgrading your home? Maybe you need a new refrigerator, TV, or air conditioner just in time for summer? Well, don’t go draining your bank account just yet.
Hey, luv! Let’s talk about loans—yep, that thing we all wish we didn’t need but often turn to when life throws curveballs.
So you and your luv finally got the home of your dreams. Whether it’s a condo in the city or a house in the province, you’re both head over heels for it. Imagine, a place where you can stay together forever!
At the start of this exciting journey called adulting, one of the first things most people do is buy furniture and appliances. Sure, you can rent out a furnished space, borrow from friends and family, or buy secondhand.
Lifestyle
Let’s talk about something we’re all guilty of at some point—spending habits that secretly sabotage our finances. We work hard for our money, so it’s only fair that we enjoy it, right?
Summer’s here, and it’s time to turn up the cool factor! ☀️ But, before you break a sweat trying to survive the heat, let's talk about getting you the perfect air conditioner without breaking the bank.
Online scams are a lot like bad relationships. At the beginning, you think you’re in for something great. They promise you all these things that could change your life for the better, like: Get rich quick! Get approved for a loan instantly!
Person crying while looking at their phone. Add arrows pointing upwards, peso signs, price tags.