Smart Money - May PERAan

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Your questions about money, savings, debt, insurance, tax, side hustle, and business matters, answered by experts. - May tanong ka ba tungkol sa pera? Mapa-utang man, ipon, insurance, tax, raket o diskarte sa negosyo, sasagutin yan ng mga eksperto.

  1. 3d ago

    ‘Check the terms and conditions’: Perth-based events stylist on how a contract can protect you - Pinay events stylist sa Perth, nagbahagi ng tips sa pagbasa ng terms and conditions bago pumirma ng kontrata

    In May PERAan, we featured former chemical engineer Xyza Nunez-Malto, who entered the creative industry of event styling and coordination in August 2024. As she prepared to become a full-time entrepreneur, she took free online courses in small business management, building her confidence as a sole proprietor. Through her experience, she learned the importance of contracts, particularly in cases of event cancellation. - Sa May PERAan, tampok ang kwento kung paano pinasok ng dating chemical engineer Xyza Nunez-Malto ang industriya ng event styling at coordination noong August 2024. Bilang paghahanda sa pagiging full-time sa negosyo, nag-enrol siya sa mga libreng online courses para madagdagan ang kumpyansa sa sarili. Dala na rin ng mga naranasan sa negosyo, doon niya napagtanto ang kahalagahan ng mga kontrata, lalo na kapag biglaang hindi na tuloy ang selebrasyon. #sbsaudiopodcast📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, Youtube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook and Instagram. - #sbsaudiopodcast📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, Youtube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook and Instagram.

  2. Sep 22

    'The first two years are a challenge’: What Sydney-based entrepreneurs learned from entering the NDIS sector - ‘Naging mahirap ang unang dalawang taon’: Hamon sa pagpasok sa negosyong may kaugnayan sa NDIS

    Nurses-turned-entrepreneurs Marilen Salonga and Irene Gomez entered the NDIS industry in October 2023, citing lead generation and marketing as key challenges as they worked to establish the business in a competitive market. To build awareness and attract potential clients, they attended networking events. - Batid ng magkaibigan na nurses na sina Marilen Salonga and Irene Gomez na hindi ganoon kadali pasukin ang pagtatayo ng negosyo patungkol sa NDIS, bagay na nalaman nila nang itinayo ang kumpanya nila noong Oktubre 2023. Sumali sila sa mga networking events para makakalap ng mga kliyente. #sbsaudiopodcast📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube. - #sbsaudiopodcast📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

  3. Sep 15

    ‘We’re not reliant on suppliers’: How making their own food sets this grocery business apart - 'Nagluluto ng sarili naming produkto': May-ari ng grocery store sa modelo ng kanilang negosyo

    Perth-based entrepreneur Diane Bernarte adopted a different business model when she acquired a store in November 2005. Unlike her competitors, she operates an on-site kitchen, giving her greater independence and control on what she prepares and sells. - Kakaibang business model ang ginamit ng negosyanteng taga-Perth na si Diane Bernarte noong nabili ang pisikal na tindahan noong Nobyembre 2005. Di tulad ng mga kakumpitensya, pinapatakbo niya ang sariling kusina na naka-paloob dito, bagay na nagbibigay ng kalayaan at kontrol sa mga pagkain na lulutuin at ibebenta sa mga customers. #sbsaudiopodcast📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube. - #sbsaudiopodcast📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

  4. Sep 8

    ‘The intention is to represent the culture': Fil-Aus entrepreneur’s purpose in building her brand - ‘Gusto kong ipagmalaki ang kulturang Pinoy’: Negosyante sa Sydney hangaring mag-iwan ng marka ang kanyang produkto

    Sydneysider Lea Villanueva launched a children’s online clothing shop in July 2026 with the goal of promoting a deep connection to her Filipino roots. - Binuo ng taga-Sydney na si Lea Villanueva ang online na negosyo para sa pambatang damit nitong Hulyo 2026. Ang layunin ay palawigin ang malalim na koneksyon sa kanyang pagiging Filipino. 📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube - 📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube

  5. Sep 1

    ‘Managing the budget was difficult’: New Entrepreneur on navigating challenges in the food business - ‘Mahirap i-balanse ang budget’: Hamon ng pagsisimula ng food truck business

    Armed with two decades of hospitality experience, Melburnian Nita Mooney dove into entrepreneurship in July 2026 by acquiring a food truck to launch her Filipino street food business in Thomastown. Despite her extensive industry background, maneuvering the cash flow and equipment costs proved to be her steepest learning curve yet. - Kasabay ang dalawang dekada sa industriya ng hospitality, sumugal ang taga- Melbourne na si Nita Mooney sa pagpasok sa negosyo nang inumpisahan ang food truck niya sa Thomastown nitong Hulyo 2026. Ayon sa kanya, ang pamamahala sa budget ang pinakamahirap niyang natutunan sa unang salta niya sa pagnenegosyo. 📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube. - 📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

  6. Aug 25

    ‘Customers reminisce on the products’: How entrepreneurs see value of a brick-and-mortar store - ‘Naalala ng mga customer ang mga produkto': Paano nakikita ng mga negosyante ang halaga ng isang pisikal na tindahan

    To complement their online grocery store, Canberra-based architect couple Emerson and Mary Ann Ramos initially set up a market stall in 2020 before transitioning into a physical retail store. They view this expansion as a milestone, as it allowed them to connect with a loyal client base who preferred to inspect and handle products in person. - Para sabayan ang kanilang online grocery store, sumali sa weekend market ang mag-asawang arkitekto na taga-Canberra na sina Emerson and Mary Ann Ramos noong 2020. Ginawa nila ito bago sila nagbukas ng tindahan. Bagay na hindi nila pinagsisisihan dahil dito nila nakilala ang mga kliyente na mahilig mag-inspeksyon sa mga produktong bibilhin. 📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube. - 📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

  7. Aug 18

    Temporary visa holders urged to understand rental rights amid cost-of-living pressures - Temporary visa holders at mga bagong dating sa Australia, pinapayuhang alamin ang kanilang tenancy rights

    As cost-of-living pressures confront people across Australia, temporary visa holders are no exception. Business journalist and editor Michelle Baltazar advises newcomers to organise their accommodations before arriving in the country and to seek out budget- friendly housing options to ease their initial transition. - Habang patuloy ang hamon ng nagmamahalang bilihin sa buong Australia, maging temporary visa holders ay walang lusot. Ayon kay business journalist and editor Michelle Baltazar, kailangang tiyakin ang tirahan bago pa dumating sa bansa at maghanap ng mga tirahan na sakto o mas mura pa sa nakalaang budget para makatulong sa pagtataguyod sa sarili. 📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube. - 📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

  8. Aug 12

    Homelessness Service: Expert says government services may be tapped for cost-of- living woes - Homelessness Services : May mga serbisyo ang gobyerno na pwedeng magamit ngayong may krisis sa cost-of- living

    With inflation pushing consumer prices up, financial journalist and editor Michelle Baltazar points to government services that permanent residents and Australian citizens can utilise for worse case scenarios - Bunsod ng inflation o ang bilis ng pagmamahal ng presyo ng pagkain at serbisyo, payo ni financial journalist and editor, Michelle Baltazar, na gamitin ang mga tulong at serbisyo ng gobyerno na nakalaan para sa mga permanent residents at Australian citizens. 📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube. - 📢 Where to Catch SBS Filipino🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

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Your questions about money, savings, debt, insurance, tax, side hustle, and business matters, answered by experts. - May tanong ka ba tungkol sa pera? Mapa-utang man, ipon, insurance, tax, raket o diskarte sa negosyo, sasagutin yan ng mga eksperto.

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