SBS
Smart Money - May PERAan
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.
Where to listen?
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Episodes
'We only had a sale of $93 on our first day': Shepparton’s only Filipino café draws customers from diverse cultures in Victoria - “We only had a sale of $93 on our first day”: Nag-iisang Filipino café sa Shepparton, dinarayo ng magkakaibang kultura sa Vic 28.06.2026 14:32
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...
From housewife to property stylist: Meet the accidental entrepreneur with no business plan - Mula housewife na naging Property Stylist: Paano lumago ang negosyo kahit walang business plan 23.06.2026 11:48
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...
'Spending power has been affected': Entrepreneurs on shouldering delivery surcharges - 'Apektado ang pag-gasta ng customer': Dagdag-singil sa delivery sinasalo ng cafe owner 16.06.2026 10:40
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...
'Safety comes first': A non-negotiable standard for cleaning franchisors - 'Dapat safe sila': Prayoridad para sa cleaning franchisor mula Tasmania 11.06.2026 11:08
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...
From a bad day at work to a home-based business: How one hairdresser built her own salon - Hindi magandang karanasan sa trabaho, nagtulak sa isang hairdresser na magtayo ng sariling salon sa Melbourne 02.06.2026 9:15
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...
'Take photos before and after the job': How to safeguard business against wrong claims - 'Kumuha ng litrato bago at pagkatapos ng trabaho': Paraan para iwas-daya sa maling damage claims 26.05.2026 9:22
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...
An ode to Grandma's cooking: How two siblings infused it into the menu of two food businesses - Pagbibigay pugay kay Lola: Recipes na ginamit ng magkapatid sa dalawang negosyo 19.05.2026 9:52
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...
'It's an excuse for us to de-stress.': Nurse mom and friends on side hustle - Side hustle ng Pinay nurse at dalawang kaibigan sa Perth, patok sa backyard weddings at intimate events 12.05.2026 11:46
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...
'I can't disappoint them': Chef on viral visibility to culinary longevity - 'Kailangan hindi sila ma-disappoint: Chef patungkol sa pagiging matagumpay matapos maging viral online 07.05.2026 11:09
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.
'Work culture should be impeccable': Entrepreneurs focus on wellbeing while rebuilding photography business - 'Dapat maayos ang kultura sa trabaho': Mga may-ari ng negosyo pinahahalagahan ang mental health ng empleyado 28.04.2026 10:54
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...
'Meeting the demand': How one skewers business scaled to success - 'Salubungin ang demand': Paraan para lumago ang negosyong barbecue 21.04.2026 9:03
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...
The Pop-up Path: How a fortnightly takeover prepares a baker for a cafe - Pop-up Bakery: Paraan para mapaghandaan ng isang baker ang pagpapatakbo ng cafe 15.04.2026 11:49
Tasmanian disability support worker and home-based baker Anne Santos decided to dip her toes into the waters in 2022, by taking over an existing cafe every fortnight- a move designed to prepare her for opening a cafe in the future and to attract potential customers. - Bilang paghahanda sa plano nitong magbukas ng cafe, pinalitan ng Tasmanian disability support worker at home-based baker na si Anne...
'Educate them about Filipino specialty coffee': How one café owner in Gold Coast is championing Philippine-grown coffee - 'Ipakilala mo ang kape mula sa atin': Cafe owner para maging una at naiiba sa kumpetisyon 07.04.2026 10:26
Gold Coast Chef Maz Espiritu has been introducing Australia to the hidden gems of Philippine specialty coffee, making it the distinct highlight of her café since its launch in February 2024. - Sinimulan ng Gold Coast Chef Maz Espiritu ang pagpapakilala sa 'specialty coffee' mula sa Pilipinas na hindi pa gaanong natutuklasan at natitikman ng mga Australiano, bagay na ibinibida sa kanyang café mula...
'I had to fight for the value that Filipino food brings': Stall owner on claiming her place in the market - 'Pinaglaban ko ang pagkaing Filipino': May-ari ng market stall sa Hobart, itinaguyod ang lutong sariling atin 31.03.2026 10:54
After an initial rejection, Tasmanian Annaliza Correa persevered by refining her brand to secure her space as the sole Filipino food vendor among renowned Salamanca Market's 350 stalls in 2020. - Nagpursigi si Annaliza Correa para matanggap sa kilalang Salamanca Market sa Hobart, Tasmania matapos hindi matanggap sa unang pagkakataon ng aplikasyon, bagay ng mas lalo niyang pinaghandaan hanggang sa...
'Follow the insider tips': A food truck owner's secret to longevity - 'Makinig sa mga insider tips': Payo ng food truck owners para mapalago ang negosyo 24.03.2026 9:17
Since 2017, Canberran couple Myra and Rey Torres transitioned from cleaning to a Filipino food truck business, leveraging tips from fellow market stall owners on which events to join. - Simula 2017, pinalit ng mag-asawang Myra and Rey Torres sa cleaning ang negosyong food truck business. Sa tulong at gabay ng kapwa market stall holders sa Canberra, natutunan nila kung aling mga event ang may magan...
'Open up job opportunities for others': Engineer and three nurses pursue a deeper purpose through a business in Warrnambool - 'Kailangan makatulong sa pagbigay ng trabaho': Engineer at tatlong nurses sa adhikaing bumuo ng negosyo sa Warrnambool 17.03.2026 10:42
Fully aware of scarce employment in regional areas, professionals-turned-business partners Maria Irene Morden, Leslyn May Lian, Mary Lynn Pagalilauan, and Gladys Mae Bosi blended their passion for food with an advocacy for providing livelihoods by opening the first Filipino restaurant in the area in December 2025. - Tinayo ng mga magkakaibigang Maria Irene Morden, Leslyn May Lian, Mary Lynn Pagali...
'Our space is healing': Mother-daughter duo on 40-year salon success - May Peraan: 'Panatag sila': Mag-inang matagumpay sa apat na dekadang parlor business sa Tasmania 10.03.2026 10:31
Since founding her Kingston salon in 1986, Tasmanian Virginia Barcial Brittain has built a 40-year legacy of success, supported by her daughter Krystle Wachorn’s commitment to modernizing their services and treatments. - Matapos simulan ang negosyong salon noong 1986 ni Virginia Barcial Brittain sa Kingston, Hobart Tasmania, suportado siya ngayon ng nag-iisang anak na si Krystle Wachorn para tiyak...
May PERAan: From bedside to business - How a nurse’s motherly instinct sparked a sustainable connection - May PERAan: Dating nurse sa Queensland inspirasyon ang anak sa pagbuo ng produktong ligtas para sa mga batang may allergy 03.03.2026 10:55
: Inspired by her child's anaphylactic allergy, former Queensland nurse Jill Iza Daub entered entrepreneurship in February 2023, selling BPA-free, recyclable bamboo cups designed for durability and safety. - Naging inspirasyon ng dating nurse na si Jill Dauz Daub ang kanyang anak sa paggawa ng produktong 'cups' na ligtas gamitin para sa mga bata na maraming allergies, gaya ng anak niya. Sinimulan...
'Consultants guided us with legalities': How One NDIS Provider Navigated the Stringent Application Process - 'Tinulungan kami ng consultants sa legalities': Paraan para makapasa sa mahigpit na NDIS Provider application 24.02.2026 10:10
In October 2022, Melbourne-based former nurse Aaron Villanueva and his business partner leveraged expert consultancy to navigate the NDIS sector’s highly regulated audit framework and establish their practice. - Sa episode ng May PERAan, kilalanin ang Melbourne-based former nurse Aaron Villanueva pati ng kanyang business partner na tinayo katulong ng mga consultants sa pag-intindi ng mga legal na...
'Happy staff, happy customers': Cafe owners take a stand on bullying - 'Happy staff, happy customers': Magkakaibigang may-ari ng cafe sa Canberra kontra sa customer bullying 17.02.2026 10:53
In this episode of May PERAan, get to know Canberra entrepreneurs Lovelyn Natividad, Chef Mikaela Sarmiento, and Clarice Miranda, who are prioritising workplace respect by using cross-training to minimise service errors and protect their staff from customer bullying. - Sa episode ng May PERAan, kilalanin sina Lovelyn Natividad, Chef Mikaela Sarmiento, and Clarice Miranda, na nagmamay-ari ng dalawa...
Chef and a recent mum of 2 on running three food brands: 'Focus on fast return and multi-tasking' - Diskarte ng Chef sa pagpapatakbo ng tatlong negosyo: Multitasking at pag-sentro sa mga proyektong mabilis ang kita 10.02.2026 10:49
Since 2020, Brisbane-based Chef Ginger Mendoza-Andersen has successfully scaled three distinct food brands, anchoring her workflow around two primary pillars: customer satisfaction and advancing revenue-generating projects. - Simula 2020, pinalago ng taga-Brisbane Chef Ginger Mendoza-Andersen ang tatlong food brands na sabay-sabay niyang pinapa-takbo kung saan prioridad niya ang customer satisfact...
'Partnership reaps rewards': Montessori owner explains value of collaborative model - 'Maayos ang aming partnership': May-ari ng Montessori school sa pagsasama ng tiwasay 03.02.2026 11:30
Anniebelle Vergel de Dios, a Montessori educator based in Sydney, describes it as a 'win-win situation' when she partners with larger Montessori schools that lack infancy levels. By hosting her classes, these schools free her from a private lease while they expand their offerings without the cost of hiring additional staff. - Ibinahagi ng Sydney Montessori teacher na si Anniebelle Vergel de Dios n...
May PERAan: Filipino father-and-son barbershop builds a growing brand in Australia - May PERAan: Mula Darwin hanggang Perth, paano pinalago ng mag-amang negosyante ang barberya sa Australia 13.01.2026 11:22
In May PERAan, Samuel Mislang Jr. turned a $30,000 personal savings into Captain Barber, a Filipino-inspired barbershop that opened in Darwin in 2020 - Sa May Peraan, pinatunayan ni Samuel Mislang Jr. na ang sipag, husay, at kulturang Pilipino ay may puwang sa pandaigdigang entablado ng negosyo.
May PERAan: 'Not everyone will like your product': Entrepreneur's guide on finding your ideal customer - May PERAan: 'Hindi lahat ay magugustuhan ang produkto mo': Negosyante sa paghahanap ng akmang customer 15.12.2025 11:31
Teresa Agravante-Morato, a former freelancer in the architecture industry and first-time entrepreneur, hit the right note by setting up a premium-inspired perfumery business in South Australia in November 2025. - Sinimulan ni Teresa Agravante-Morato, dating freelancer at bagong negosyante, ang pagtatayo ng isang premium-inspired fragrance business sa South Australia na inilunsad niya lamang nitong...
May PERAan: Entrepreneur on perks of being a franchisee - May PERAan: Negosyante sa mga bagay na sagot ng franchisor 09.12.2025 10:40
Armed with a veterinarian medicine degree from the Philippines, Jaypee Culhi transitioned into business by acquiring a pet grooming franchise in Regional Victoria in September 2025. - Sumugal si Jaypee Culhi ng pinasok ang pagiging franchisee ng kilalang pet grooming na negosyo sa Regional Victoria nitong September 2025, bagay na akma sa kanya dahil nagtapos ito ng Veterinarian Medicine sa Pilipin...
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