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Anong mga Loan ang Puwedeng Makuha sa Local Government sa Pilipinas?

Antipolo Magazine 2020 Sa panahon ng kagipitan o kapag gusto mong magsimula ng maliit na negosyo, hindi mo na kailangang lumapit agad sa bangko o online lending apps. Alam mo ba na may mga loan programs ang lokal na pamahalaan (LGU) na makakatulong sa'yo? Layunin ng mga programang ito na matulungan ang mga Pilipino lalo na sa mga mahihirap na komunidad. Narito ang ilan sa mga loan o pautang na puwedeng makuha mula sa iyong lokal na pamahalaan: ____________________ Livelihood Assistance Program (LAP) • Iniaalok sa mga low-income individuals na gustong magsimula ng maliit na negosyo. • Mababang interest rate o minsan ay zero interest. • Kadalasang ibinibigay sa pamamagitan ng DSWD at lokal na DSWD offices. • Requirements: Barangay certificate, business proposal, valid ID. ____________________ Pangkabuhayan Loan Program ng LGU • Direct assistance mula sa City/Municipal Government para sa mga micro-entrepreneurs. • Target: Vendors, farmers, fisherfolk, sari-sari store owners • May kasa...
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5 Smart Habits for a Stronger Financial Future

Antipolo Magazine 2020


Start Today: 5 Smart Habits for a Stronger Financial Future


In today’s economy, learning how to manage your money wisely is more important than ever. Whether you’re earning minimum wage or working abroad, these smart financial habits can help every Filipino build a better future.


Track Your Expenses


Use mobile apps like GCash, Maya, or a simple notebook. Know where your money goes every day.


Follow the 50/30/20 Rule


50% – Needs (food, bills, transportation)
30% – Wants (Netflix, food trips)
20% – Savings or paying debts


This rule helps balance lifestyle and savings.


Start an Emergency Fund


Aim to save at least 3 months' worth of expenses. It can save you in times of job loss, sickness, or unexpected bills.


Avoid Unnecessary Debt


Don't swipe your credit card for wants. Learn the difference between good debt (business, education) and bad debt (impulse shopping).


Invest Early, Even in Small Amounts


Start with ₱50 or ₱100 via GInvest, Seedbox, or cooperative savings. Compounding interest grows your money over time.



Conclusion:

No matter your income, these habits can change your life. The best time to start? Today. Financial freedom begins with simple, consistent actions.



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