Plan your financial safety net
Many planners use 3 to 6 months of core expenses as a baseline. If you have dependents, variable income, or higher risk of income disruption, a larger cushion can make sense.
Total Monthly Expenses: PHP 25,000
Often used for single earners with stable jobs and limited obligations.
A practical middle ground for many households, especially with dependents.
Useful for variable income, business ownership, or higher uncertainty.
Digital Banks
Accessible cash, competitive rates, and PDIC coverage make these a common first choice.
High-Yield Savings Accounts
Traditional savings products still work well if access and stability are your top priorities.
Avoid High Volatility Assets
Emergency money should not depend on stock prices or market timing.
Avoid Lock-In Products
Time deposits and similar products can slow access when you need money urgently.