It's time we normalize talking about personal finances with our friends.

Real talk: none of us want to have the reputation of being that friend na “nauutangan”. 

If you're in a serious relationship that could lead to a marriage down the road, then yes, money matters are crucial.

Plan an unforgettable Valentine's date that will be kind to your budget, no matter how much.

Either you become the perpetual no-sayer to the point people don’t invite you anymore, or you're constantly playing catch up.