Smart Money - May PERAan

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...

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 kada...

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...

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 i...

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...

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...

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 temp...

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...

In a bid to decrease operating expenses amid the cost-of-living crisis, business consultant Alex Apawan Sy cautions entrepreneurs against laying off staff too quickly and instead encourages them to look at other costs that can be minimised, such as shopping around for lower insurance premiums and seeking rent assistance from their landlord. - Para sa mga negosyanteng gusto makatipid ngayong may kr...

As consumers adopt penny-pinching habits to offset the rising cost of living, financial journalist Michelle Baltazar shares practical tips to stretch household budgets across groceries and energy. - Habang patuloy magkumahog para masabayan ang tumataas na cost of living, nagrekomenda ng mga praktikal na payo ang financial journalist na si Michelle Baltazar para makatipid sa grocery at kuryente. 📢...

In Shepparton, a city in Victoria, a Filipino food business is introducing Filipino cuisine not only to fellow Filipinos but also to Australians and other communities — this is Flor's Lutong Bahay. - Sa Shepparton, siyudad sa Victoria, isang Filipino food business ang unti-unting ipinapakilala ang pagkaing Pinoy hindi lamang sa mga kababayan kung hindi pati sa mga Australyano at iba pang komunidad...

Due to recent negative gearing changes announced by the federal government, Sydney mortgage broker Maria Papa advises investors to concentrate on new builds and set their sights on areas that are still experiencing growth. - Bunsod ng mga pagbabago sa polisiya patungkol sa negative gearing changes na inanunsyo ng federal government, nagbigay ng abiso ang isang mortgage broker na si Maria Papa na m...

Amid the cost-of-living crisis, business consultant Alex Apawan Sy warns business owners to be mindful of absorbing added costs due to delivery surcharges, as doing so will eat into their profits. - Sa gitna ng krisis sa gastusin sa pamumuhay, nagbabala ang business consultant na si Alex Apawan Sy sa mga may-ari ng negosyo na maging maingat sa pagsalo ng mga karagdagang gastusin mula sa mga delive...

Following the 2026 Federal Budget changes to Capital Gains Tax (CGT) concessions, Sydney-based mortgage broker Maria Papa advises property owners to look at the numbers and evaluate their potential losses before the new laws take effect on July 1, 2027. - Kasunod ng mga pagbabago sa Capital Gains Tax (CGT) concessions sa 2026 Federal Budget, pinapayuhan ng mortgage broker mula sa Sydney na si Mari...

Mr. Edwin's Café in Shepparton, Victoria is the town's only Filipino café and has become a gathering place for people from different communities, from Filipinos to Australians. Despite a challenging start, it has gradually become a favourite spot among locals. - Ang Mr. Edwin's Cafe sa Shepparton, Victoria ay ang nag-iisang Filipino café sa lugar na naging tagpuan ng iba’t ibang komunidad, mula sa...

Armed with a creative outlet but no formal strategy, Melburnian Jackie Climaco-Zulliger took a leap of faith in 2016, transitioning into staging properties after eight years at home - a pivot sparked by helping her husband successfully sell their own home. - Mala-aksidente ang pagiging negosyante ng dating housewife na si Jackie Climaco-Zulliger na tinulungan ang asawa na pagandahin o 'i-stage' an...

Amid the cost-of-living crisis, cafe owners Jennibey and Donald Tenorio have chosen to absorb delivery surcharges rather than passing them on to customers of their four-year-old business in Wollongong, regional New South Wales. - Sa kabila ng tumataas na gastusin sa pamumuhay, pinili nina Jennibey at Donald Tenorio, mga may-ari ng isang café sa Wollongong, NSW, na sila na lamang ang sumalo sa deli...

Tasmanian educator-turned-cleaning franchisor Jyosh Polea-Vizcarra prioritises psychological and physical security to ensure that her franchisees feel safe at the properties they clean. - Para sa Tasmanian educator na naging cleaning franchisor na si Jyosh Polea - Vizcarra pangunahing prayoridad ang pisikal na kaligtasan ng mga naglilinis sa mga tirahan at opisina. 📢 Where to Catch SBS Filipino...

A workplace breaking point in September 2019 prompted Melburnian Naida Alcantara to launch her own home -based salon venture. - Napuno na sa pinagtatrabahuan na salon si Naida Alcantara kaya nauwi ito sa pagbubukas ng sariling parlor noong Setyembre 2019 mula sa mismong bahay niya sa Melbourne. 📢 Where to Catch SBS Filipino 🔊 On Air  – Tune in to SBS Filipino on radio stations across Austra...

Canberra- based aircraft engineer Paulo Paniel acquired a thirty- year-old towbar business in 2018, which challenged him to implement systems - such as photo documentation and job checklists- designed to mitigate risks and protect the company against false cosmetic damages claims on customer vehicles. - Binili ng aircraft engineer Paulo Paniel na taga-Canberra, ang tatlong dekada nang negosyo ng t...

Melburnian siblings-turned- business partners Jennalyn Versoza and Ronnel Pineda started two food establishments - a catering venture and a cafe - both featuring flavors inspired by the home cooking of their mother and grandmother. - Nagtayo ang magkapatid at business partners na taga- Melbourne na sina Jennalyn Verzosa and Ronnel Pineda ng dalawang negosyo- isang catering at cafe kung saan batid...

Registered Nurse Kristine Beaman partnered with her friends, Bea Murran and Jay Anne Abracia, to launch a secondary venture in September 2025 involving curated picnic settings in Perth - a project they describe as therapeutic. - Bumuo ng raket ang Registered Nurse na si Kristine Beaman kasama ang mga kaibigan na sina Bea Murran and Jay Anne Abracia na may kinalaman sa pagbuo ng picnic setting - ba...

In this May PERAan episode, we feature the story of Chef Manuel Malicdem. Discover how a surprise appearance in a viral vlog sparked a massive surge in demand for his Filipino restaurant in Sydney. - Sa May Peraan, alamin ang kwento ng viral vlog na nakatulong sa isang Pinoy entrepreneur na si Chef Manuel Malicdem sa Sydney.

Perth-based couple Michael and Bea Murran acquired a 15-year photography business in December 2025, while ensuring the work environment supports the wellbeing of their staff. - Binili ng mag-asawang Michael at Bea Murran ang isang negosyong photography na labinlimang taon nang tumatakbo sa Perth, bagay kung saan binibigyan nila ng importansya ang maayos na mental wellbeing ng mga empleyado lalo na...

Launched in 2013 by Melburnian Regine Alcantara Meehan and her husband, Chef James, this barbeque business has evolved into a logistical powerhouse that tours major events throughout Australia and New Zealand. - Tinayo ng mag-asawang taga-Melbourne na sina Regina Meehan at ang kanyang asawang si Chef James ang kanilang barbecue business noong 2013, na ngayon ay lumago at dinarayo na ang iba’t iban...