Life & Perspective
Personal essays by Juno dela Cruz on money, work, burnout, and what it means to be Filipino right now. Published daily on BantayDaily.
The Filipino Running Era: Why Everyone You Know Is Lacing Up
From casual 5Ks to full marathons, running has quietly become the defining hobby of a generation of Filipinos — and the trends on the ground…
Pag-IBIG MP2 vs Regular Savings: Which Earns More in 2026?
Most Filipinos are quietly leaving money on the table every single month — and they don’t even know…
How to Apply for a TIN Number in the Philippines (2026)
First job, freelance gig, or small business — here’s exactly what form to fill out and where to…
How to Calculate Your Income Tax in the Philippines (2026)
Every payday, your payslip tells a story — and learning to read the tax part of it might…
How to Budget Your Salary in the Philippines: A Practical Guide
Getting a raise feels like freedom — until you realize you’re still broke by the 25th. I remember…
Is Upgrading to a Bigger Condo Worth It?
The pen was in my hand. The contract was on the table. And somewhere in the back of…
Best Digital Bank Savings Account Interest Rates in the Philippines (2026)
The difference between earning almost nothing and earning meaningfully on your savings comes down to one simple comparison…
Renting vs Buying a Condo Near BGC: What the Numbers Actually Say (2026)
We ran the actual math on buying versus renting near BGC — and the answer surprised us enough…
My Lola Lined Up Every Month. I Checked My Time Deposit from a Coffee Shop.
This morning I opened my mobile banking app to check a time deposit — two months in, rolling…
The Specific Kind of Tired Sleep Can’t Fix
There’s a specific kind of tired that has nothing to do with sleep. You check your balance after…