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Money Basics for Filipinos

Your progress0 of 62 steps

Start here, Starting your money journey
Start here, How to use this guide
Start here, The Financial Pyramid
Start here, Where am I financially?
Chapter 1, What do you really want?
Chapter 1, What matters most to you?
Chapter 1, Set a SMART goal
Chapter 1, Three types of goals
Chapter 1, Money Check!
Chapter 2, Cash flow and net worth
Chapter 2, From gross pay to take-home pay
Chapter 2, Improve your cash flow
Chapter 2, Your numbers
Chapter 2, Meet Juan
Chapter 2, Money Check!
Chapter 3, Budgeting methods
Chapter 3, Your budgeting plan
Chapter 3, Budget vs. actual
Chapter 3, Where to keep and track it
Chapter 3, Real life budgets
Chapter 3, Debt traps and your payoff plan
Chapter 3, Money Check!
Chapter 4, Why you need an emergency fund
Chapter 4, Size it and store it
Chapter 4, Juan's safety net
Chapter 4, Money Check!
Chapter 5, Protect yourself with insurance
Chapter 5, Health insurance
Chapter 5, Life insurance
Chapter 5, When to insure, and when not to
Chapter 5, Term or whole life?
Chapter 5, Juan's protection
Chapter 5, Money Check!
Chapter 6, Why you should start investing
Chapter 6, Your risk appetite
Chapter 6, Investment options
Chapter 6, Spot a scam and diversify
Chapter 6, Two money math tricks
Chapter 6, Your biggest asset is you
Chapter 6, Is Juan ready to invest?
Chapter 6, Money Check!
Chapter 7, Small steps create big change
Chapter 7, Your money brain
Chapter 7, Check your progress
Chapter 7, Your financial health scorecard
Chapter 7, Be flexible when life changes
Chapter 7, Money Check!
Final note, Keep going
Final note, 10 personal finance tips
Bonus, Preserving wealth: retirement
Bonus, The four retirement risks
Bonus, Building a legacy: estate basics
Bonus, For OFWs and their families
Bonus, For couples
Bonus, For parents
Bonus, Your one-page financial plan
Bonus, How a financial plan works
Extras, Your yearly money review
Extras, Glossary
Extras, Figures and sources
Extras, About PlanWealth.ph
Extras, Important notes

Start here

IntroStart here

Chapters 1 to 7

Ch 01Set your money goals
Ch 02Understand your current money situation
Ch 03Budget your money
Ch 04Build your safety net
Ch 05Manage your risks
Ch 06Start investing
Ch 07Make it a habit

Keep going

EndKeep going
BonusRetirement and estate previews
BonusLife-stage guides
BonusYour one-page financial plan
ExtraExtras

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Extras

Extras

Your yearly money review, a glossary, figures and sources, and more about us.

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1Your yearly money reviewOnce a year
2GlossaryMoney words
3Figures and sourcesAs of November 2026
4About PlanWealth.phWho we are
5Important notesTerms of use

Step 1 of 5

Your yearly money review

Once a year, maybe every January or on your birthday, sit down for an hour and go through this list. Tick each item as you finish it.

This year's review

This year's review

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Update your net worth and financial health scorecard
Review last year's spending vs. your budget
Raise your savings rate, even by 1%
Check your emergency fund still covers 3 to 6 months
Review life and health coverage and beneficiaries
Check your SSS, PhilHealth and Pag-IBIG records
Rebalance investments back to your target mix
Review your goals: add, drop or adjust
Plan for yearly costs: tuition, registration and Christmas
Plan your 13th month pay before it arrives
Check for debts you can pay off faster
Update your "if something happens to me" folder

Notes and your top three money goals for the coming year

Your answer saves as you type

PlanWealth.ph is for education, not personalized financial advice.

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