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
'Tweaks based on feedback from relatives': Entrepreneur on the perfect recipe - 'Tinandaan namin ang komento at inaayos para mas lalong sumarap': Sikreto ng negosyante para sa tamang recipe 25.03.2025 12:21
Chef Paulo dela Pena and partner Raquel Baldueza, both full-time workers from Perth, built their side hustle making sweet buns, or 'ensaymadas,' which they started in August 2024. - Tinayo ng mag-partner na sina Chef Paulo dela Pena at Raquel Baldueza ang kanilang side hustle o raket na ensaymada noong Agosto 2024 kahit na parehong silang nag-tatrabaho ng full-time mula sa Perth.
From cafe to community: Owners on finding their deeper purpose - Pagbuo ng komunidad: May ari ng cafe sa kanilang layunin sa negosyo 18.03.2025 12:41
Sydneysider cafe owners Margo Flores and Vincent Baquiran's strategy panned out well when they took the time to get to know their community and integrate themselves into Redfern before introducing Filipino cuisine to them. - Ginawang stratehiya ng mga may-ari ng cafe na si Margo Flores at Vincent Baquiran na kilalanin ang komunidad sa Redfern bago nito dahan-dahang ipakilala ang pagkaing Pinoy.
'Demand for my product happened after I gifted it to relatives and friends': former chef turned entrepreneur on pursuing her full-time business - 'Nagkaroon ng demand sa produkto matapos ko itong ipangregalo': dating chef na ginawang full-time ang negosyo 11.03.2025 12:06
Initially starting it as a side hustle, former chef turned home-based entrepreneur Ivy Grace Roy developed her product chilli garlic oil and eventually pursued it as a full-time business in Melbourne six years ago. - Pagkatapos gawing 'raket' ng dating chef na si Ivy Grace Roy, lumago ang side hustle at naging full-time na negosyo matapos sumipa ang demand dahil nagustuhan ito ng mga kamag-anak at...
'No more double shifts': Chefs turned business partners on entrepreneurship - 'Wala nang double shifts': Magkakaibigang chef, nagtayo ng sariling negosyo 11.03.2025 13:51
Chefs Veronica Sulo, Christine Mendoza and Bernadeth Sulo partnered up by building two businesses selling savoury Filipino food and Pinoy desserts straight out of their customised trailers in Darwin. - Mga chef ang mga magkakaibigang sina Veronica Sulo, Christine Mendoza at Bernadeth Sulo na nagtayo ng dalawang negosyo na nagbebenta ng pagkaing Pinoy at matatamis o 'panghimagas' na galing sa kanil...
'No pressure to reach revenues': Hobby business owner on baking out of passion - 'Walang pressure makabawi sa kita': Pastry chef na may-ari ng hobby business 04.03.2025 10:32
Pastry chef Sammer Calunsod put up her hobby business in 2006 in Sydney where she accepts orders for silvanas and customised cakes every weekend to manage time for family. - Tinayo ng pastry chef na si Sammer Calunsod ang kanyang hobby business noong 2006 sa Sydney kung saan tumatanggap siya ng orders para sa silvanas at customised cakes tuwing weekend para makapaglaan ng oras sa pamilya.
'Free concerts': Events organiser on perks of side hustle - 'Libre manood ng concert: Tagahanga ng musika, raket ang pagiging event organiser 25.02.2025 11:06
Sydneysider music enthusiast Soki Munar started her side hustle in events and production in 2017 which often features OPM bands and international artists. - Pinasok ni Soki Munar na mula sa Sydney ang raket na events and production noong 2017 na kadalasan ay bumubuo ng concert para sa mga OPM bands at international artists.
Closed from Sunday to Tuesday: Pastor and restaurateur on time management - Sarado tuwing Linggo hanggang Martes: Paano binabalanse ng isang pastor ang simbahan at negosyo 18.02.2025 11:10
After mustering enough courage, pastor Roger Lingal opened his Filipino restaurant in Illawarra in July 2023. - Binuksan ng pastor na si Roger Lingal ang kanyang Pinoy restaurant sa Illawarra noong July 2023.
'Takes a long time to finish, but I enjoy the process': Accessory maker on attention to detail - 'Matagal gawin pero na-e-enjoy ko siya': Pinay patuloy na lumilikha ng Filipino-inspired accessories 11.02.2025 10:58
In 2024, Melburnian AJ Zara-Girstuns started making handmade accessories for her side hustle whose designs are inspired by the Filipino culture. - Ginawang raket ni AJ Zara- Girstuns ang pag-gawa ang pag-disenyo ng hikaw na hango sa kulturang Filipino noong 2024 sa Melbourne.
'Be honest with your client': Auto-mechanic shop owner on building customer loyalty - 'Maging tapat sa kliyente': Pinoy na may-ari ng talyer sa Darwin, ibinahagi ang sikreto ng negosyo 04.02.2025 10:53
Ana Lee Oblianda and her husband started a side hustle of running an auto-mechanic shop in Darwin in 2020. - Sinimulan ni Ana Lee Oblianda at kaniyang asawa ang raket nang pagpapatakbo ng isang talyer sa Darwin simula noong taong 2020.
'We give busy parents time to exercise, we care for their kids during workout': Fitness coach's business strategy - 'Para mabigyan ng oras ang busy na magulang, inaalagaan namin ang kanilang anak para maka-workout sila':Bagong strategy ng fitness coach 28.01.2025 10:53
After observing market behaviour in Australia, Melburnian fitness coach Andre Cabrera shifted his strategy to provide group training services to parents while their kids will be taken care of by an early childhood teacher and a nurse. - Matapos alamin ang market behavior ng mga nag-wo-work out sa Australia, napansin ng Melburnian fitness coach Andre Cabrera na kailangan niyang baguhin ang stratehi...
'Community members' testimony matters': performance studio owners on strategy for business in regional area - 'Pagkakatiwalaan ka kapag nirekomenda ka': Mag-asawa sa Geelong patuloy ang pagpapalago sa performance studio 14.01.2025 11:37
Professional dancer and singer Jordan and Fritz Punsalang started their boutique performance studio in Geelong in 2007, offering dance and singing lessons which steadily grew due to 'word of mouth.' - Sinimulan ng mag-asawang professional dancer at singer na si Jordan and Fritzie Punsalang ang negosyong performance studio na nagtuturo ng pagkanta at pagsayaw sa mga bata at matatanda noong 2007, na...
'Businesses aligned with aged care, digital transformation in-demand from 2025 and beyond': business mentor forecast - 'Negosyong patok sa 2025: Aged care at digital transformation' batay sa business mentor 07.01.2025 12:04
According to business consultant Alex Apawan Sy, trade or occupations that deal with personal care, cybersecurity, and digital transformation will be highly relevant beginning this year. - Ang mga negosyong nalilinya sa personal care, cybersecurity, at digital transformation ay sigurong in-demand na hihigit pa sa taong 2025, ayon sa business mentor na si Alex Apawan Sy na may higit 40 na taon sa k...
'Lesser calls': Cargo express owner uses 'app' for clients to track balikbayan boxes - 'Konti na ang tumatawag kung nasaan ang balikbayan box': benepisyo ng 'app' sa cargo service 17.12.2024 12:12
Sydneysider nurse and brand-new mum Jennifer Quinones' side hustle started in 2023 when her parents entered a partnership with a Philippine-based cargo service that uses an app to monitor parcels being sent through the company. - Sinimulan ng isang nurse at bagong ina na si Jennifer Quinones ang kanyang raket noong noong 2023 sa Sydney matapos sumosyo ang kanyang mga magulang sa isang cargo servic...
'No profits for the first two years': Flower shop owner kept expenses to a minimum - 'Binabalik namin ang maliit na kita sa negosyo': May-ari ng flower shop para maayos ang cash flow 10.12.2024 11:36
An accountant -turned- accidental florist and events stylist Imelda Kateb built her flower shop in 1996 in Brisbane and transitioned into e-commerce housed across four websites. - Dating accountant si Imelda Kateb bago siya naging may-ari ng isang flower shop sa Brisbane na sinimulan niya noong 1996.
'Hefty investment but worth it': PH-based ice cream brand owner ventures into franchising in Australia - 'Pikit-mata sa puhunan dahil Pinoy pride ito': Pinoy nag-franchise ng sariling ice cream sa Australia 03.12.2024 11:10
Mother and son tandem Michelle and Miguel Aman brought their ice cream brand from the Philippines to Sydney, Australia braving strict regulations in food safety standards. - Dinala ng mag-inang si Michelle at Miguel Aman ang sarili nilang ice cream brand mula sa Pilipinas papunta sa Sydney, Australia kahit na mahirap dahil sa dami ng dokumento at pagsailalim sa madaming tests kaugnay ng food safet...
'Delayed payments of delivered items': Entrepreneur on risks of 'Pasabuy' - 'Hindi agad-agad nagtitiwala ang customers': Negosyante sa kalakaran ng 'pasabuy' 26.11.2024 11:24
Melburnian Myra Aquino set up her side hustle of 'Pasabuy' services in September 2024 despite risks of trust issues and delayed payments among her clients. - Sinimulan ni Myra Aquino ang negosyong 'pasabuy' nitong Setyembre sa Melbourne kahit na talamak ang hindi agag-agad na nag-titiwalang mga customers at hindi rin nagbabayad agad kahit nandyan na ang gamit na inorder.
Complimentary head massage and hot towels: Barbershop's winning formula - Libreng masahe susi sa pagpatok ng isang barbershop sa Darwin 19.11.2024 11:11
Samuel Mislang Jr. and his son introduced their signature Filipino barbery style when they opened their shop in Darwin in 2020. - Pinakilala ni Samuel Mislang Jr. at ng anak ang nakagawian ng mga Pinoy na barbero na libreng masahe nang binuksan ang barbershop sa Darwin nuong 2020.
'Tough decision to say goodbye to science': Scientist on choosing entrepreneurship - Scientist mas pinili ang pagiging negosyante 12.11.2024 13:07
Brisbane scientist-turned-fashion entrepreneur Dr. Louisa Parkinson pursued her vision of bringing Filipiniana globally via her e-commerce business which she built in 2021. - Pinili ni Dr. Louisa Parkinson na isang scientist sa Brisbane ang negosyong pagbebenta ng Filipiniana online na sinimulan niya nuong 2021.
Filipino couple chose to 'build their own brand over franchising' in Australia’s indoor play centre industry - Pinoy couple, nagtayo ng sariling brand ng indoor play centre sa Australia 'imbes na mag-franchise' 05.11.2024 11:36
Melburnian couple Eds and Odra Santos put up an events place that houses their other businesses. - Sinubok ng mag-asawang Eds and Odra Santos na lumikha ng sariling brand para sa indoor play center na kanilang sinimulan sa Melbourne.
'Success in business starts with quality service': Physiotherapist turned entrepreneur on getting it right - 'Dekalidad na serbisyo': Negosyanteng physiotherapist sa pag-aalaga ng kliyente 29.10.2024 12:04
Darwin-based Ron Olabe opened his sports massage clinic in September 2019 after his employer filed for bankruptcy which led to absorbing their clients. - Binuksan ni Ron Olabe sa Darwin ang kanyang sports massage clinic nuong September 2019 matapos mag-file ng bankruptcy ang kanyang employer kung saan sinalo niya ang kanilang mga naiwanang kliyente.
'Business is business': Entrepreneur on keeping things fair with client relations - Negosyo tip: 'Di pwedeng isama ang personal sa negosyo' 22.10.2024 12:30
Brisbaner Edgar Fernandez had to let go of his long tenure in the meat industry to start a family-run restaurant five years ago. - Iniwan ni Edgar Fernandez ang trabaho bilang meat contractor para umpisahan ang restaurant na pinapa-takbo ng kanyang pamilya.
'Our purpose is to provide a bright future for our kids': Entrepreneur couple on pursuing their side hustle - 'Susi ang negosyo para sa kinabukasan ng aming mga anak': Inspirasyon ng mag-asawang negosyante 15.10.2024 12:31
Chris and Minette Sales grew their side hustle selling siomai all across Victoria with global expansion in mind, eyeing Singapore and the Philippines, for starters. - Nais ng mag-asawang si Chris at Minette Sales na palagu-in ang kanilang siomai side hustle at target nilang makilala ito sa Singapore at Pilipinas.
'A restaurant needs a great team': Entrepreneur on trusting his team as the business grows - Negosyo tip: 'Kailangan ng mabuting grupo na masasandalan na susi sa pagpapalago ang negosyo' 08.10.2024 12:25
After seven years of being in the cafe and grill business, Chef Anthony Herrera employed a new business model which allowed him to add branches of his restaurant in the Central Business District and in the Southeast part of Melbourne. - Sa loob ng halos pitong taon sa kanyang negosyong restaurant, iniba ni Chef Anthony Herrera ang diskarte sa pagbubukas ng dalawang branches sa Central Business Dis...
‘It’s a must to engage your clients on social media': Baker on building brand awareness - ‘Pag negosyante ka, kahit mahiyain ka, kailangan nasa social media ka’: Baker sa pagpapakilala ng produkto 01.10.2024 11:08
Brisbane baker Ginger Mendoza- Andersen built her business in 2020 after giving up her nine-to-five job as a commercial cookery teacher. - Tinalikuran nuong 2020 ng dating guro ng commercial cookery na si Ginger Mendoza- Andersen ang kanyang propesyon para itayo ang negosyo na nagbebenta ng cookies at ‘lunar pies’ o empanada sa Brisbane.
‘I don’t want to give up on my part-time job in the hospital‘: Entrepreneur on having a back-up plan - ‘Ayokong i-give up ang trabaho sa ospital’: Negosyante sa pag-sasabay ng trabaho at negosyo 24.09.2024 11:15
Melburnian Joy Austria built her home based business in 2018 offering Filipino street food before opening a restaurant in Maidstone in 2021. - Mula sa pagbebenta mula sa bahay nuong 2018, sinimulan ni Joy Austria ang pagluluto ng Filipino street food gaya ng Betamax, adidas bago niya binuksan ang restaurant sa Maidstone nuong 2021.
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