The Filipino Wealth Project @WealthProjectPH

💰 ₱10,000 ang benta. Pero magkano ang kita? Sample: Sales: ₱10,000 Products: ₱6,400 Packaging: ₱800 Fees/shipping: ₱1,000 Ads: ₱600 Natira: ₱1,200—bago ang ibang gastos at buwis. 📌 Malaking sales ≠ malaking profit. #TheFilipinoWealthProject

FOREX 101: Ano ang Forex? Forex = Foreign Exchange. Ex: $1 = ₱58 now $1 = ₱59 later The value of your $ in PHP has changed. Traders try to benefit from price movements—losses are possible. Forex is a market, not guaranteed income. **Rates are illustrative.** #TFWP #Forex101

Wanna be a part-owner ng GCash? Mynt—the company behind GCash—is conducting its IPO. IPO price: ₱6.60/share Minimum via GStocks PH: 100 shares IPO period: Oct. 6–12 PSE listing: Oct. 20 Ticker: GCASH Not affiliated with GCash/Mynt/AB Capital Securities. Educational only. #TFWP

PH unemployment improved to 5.3% in August from 6.0% in July, PSA reported today. Good. But ask: SKILLS — mas valuable ba ako than last year? OPTIONS — saan pa ako puwedeng kumita? BUFFER — may time ba akong pumili if work changes? Your earning power is an asset too. #TFWP 🇵🇭

“Na-approve naman ako sa loan. Kaya ko siguro.” Approval tells you the lender said yes. Your budget still has to say yes too. Before borrowing: MONTHLY — may breathing room pa ba? TOTAL — magkano ang babayaran? PURPOSE — bakit ka uutang? Available credit ≠ affordable debt. #TFWP

“URGENT. ACT NOW.” That's exactly when you should slow down. STOP — don't click, reply or send yet. CHECK — open the official app/site yourself. VERIFY — contact the institution through its official channel. A legitimate request can survive five minutes of verification. #TFWP 🇵🇭

“50% OFF. Nakatipid ako ng ₱500.” If you already planned to buy it? Maybe you did. If the sale convinced you to spend ₱500 on something you never wanted? You didn't save ₱500. You spent ₱500. Before 10.10: LIST. PRICE. BUDGET. A good deal is still an expense. #TFWP 🇵🇭

October pa lang. May trabaho na ba ang 13th month mo? Before it arrives, decide: CATCH UP — debt / obligations PROTECT — emergency fund / upcoming expenses ENJOY — Christmas + yourself No universal percentage. Just one rule: Decide before the money arrives. #TFWP 🇵🇭

May natitira na sa sweldo? Don't leave all of it in one mental bucket called “ipon.” Give the money a job: BUFFER — emergencies GOALS — expenses you know are coming BUILD — long-term money Before asking “Saan ko i-invest?” Ask: “Kailan ko kailangan ang perang ito?” #TFWP 🇵🇭

Maganda ang app. Mataas ang interest. Madaling mag-transfer. Good. But before putting your savings there: Sino ang actual bank? BSP-supervised ba? Protected ba ang account mo? Convenience matters. So does knowing who actually holds your money. #TFWP 🇵🇭

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 🇵🇭

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 🇵🇭

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 🇵🇭

“₱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

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 🇵🇭

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 🇵🇭

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

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 🇵🇭

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

“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