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    <description>Practical personal-finance guides for Filipinos working abroad and their families.</description>
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      <title>Your rights as a domestic helper in Hong Kong, including the new HK$5,220 minimum wage</title>
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      <pubDate>Sun, 11 Oct 2026 16:00:00 GMT</pubDate>
      <description>The minimum wage is now HK$5,220 for new contracts. Here's what else your contract guarantees.</description>
      <category>Protection</category>
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      <title>Senate Bill 2423: reintegration support six months before you come home, and why there's nothing to register for yet</title>
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      <pubDate>Sat, 10 Oct 2026 16:00:00 GMT</pubDate>
      <description>Senate Bill 2423 passed the Senate on 8 October, but it isn't law yet, so there's nothing to register for.</description>
      <category>Coming home</category>
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      <title>New to Hong Kong? What your first months really cost, and what you should never pay</title>
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      <pubDate>Tue, 06 Oct 2026 16:00:00 GMT</pubDate>
      <description>What your employer must pay, what's genuinely yours to cover, and the fees you should never hand over.</description>
      <category>Budgeting</category>
      <category>Protection</category>
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      <title>The OFW lounge at NAIA Terminal 3: beds, showers, free food, and the six-hour rule</title>
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      <pubDate>Mon, 05 Oct 2026 16:00:00 GMT</pubDate>
      <description>Free beds, showers and meals for departing OFWs, as long as you stay under six hours.</description>
      <category>Benefits</category>
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      <title>Christmas padala, planned in October: give generously without the January crash</title>
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      <pubDate>Sun, 04 Oct 2026 16:00:00 GMT</pubDate>
      <description>How to plan your Christmas padala in October: set one budget, save first, send early, give gifts that arrive as what they're for, and avoid the January crash.</description>
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      <category>Budgeting</category>
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      <title>Why the remittance centre asked where your money came from, and what to show them</title>
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      <pubDate>Sun, 04 Oct 2026 16:00:00 GMT</pubDate>
      <description>Being asked for proof of funds isn't an accusation. Here's why shops ask, and what to bring.</description>
      <category>Sending money</category>
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      <title>How to renew your OWWA membership online, step by step</title>
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      <pubDate>Sat, 03 Oct 2026 16:00:00 GMT</pubDate>
      <description>Renew from your phone in five steps and pay with GCash, with no office visit.</description>
      <category>Benefits</category>
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      <title>The peso keeps hitting record lows. Here's what to do with the extra pesos</title>
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      <pubDate>Thu, 01 Oct 2026 16:00:00 GMT</pubDate>
      <description>The peso has set more than 20 record lows in 2026. What it means for your padala, why timing the rate doesn't work, and how to save the difference.</description>
      <category>Sending money</category>
      <category>Saving</category>
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      <title>Save for yourself first: an ipon plan that survives the padala</title>
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      <pubDate>Mon, 21 Sep 2026 16:00:00 GMT</pubDate>
      <description>Why so many OFWs come home with nothing saved for themselves, and a practical ipon plan that works alongside the padala instead of against it.</description>
      <category>Saving</category>
      <category>Family &amp; money</category>
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      <title>SSS, PhilHealth and Pag-IBIG from abroad: what you pay, what you get, and how to stay current</title>
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      <pubDate>Mon, 21 Sep 2026 16:00:00 GMT</pubDate>
      <description>What SSS, PhilHealth and Pag-IBIG cost an OFW in 2026, what each one protects, and three habits that keep them from lapsing.</description>
      <category>Benefits</category>
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      <title>What a padala really costs: check any transfer in two minutes</title>
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      <pubDate>Mon, 21 Sep 2026 16:00:00 GMT</pubDate>
      <description>How to work out the true cost of any remittance, fee plus exchange-rate margin, in two minutes, with a worked example.</description>
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