Budgeting

Following advice on navigating January's financial pressures—like debt management and initial savings—experts offer next steps to build solid money habits in the Philippines, including goal-setting, refined budgeting, and cautious investing.

December 31, 2025 Reported by AI

Finance experts recommend setting clear goals with deadlines, creating a detailed budget, and tracking income and expenses periodically to organize finances in 2026. This approach helps move beyond traditional superstitions toward realistic planning. Advisors like Andrés Moreno Jaramillo and María Teresa Macías emphasize starting with an assessment of one's current financial situation.