Tinubuan Journal
Practical guidance for organized contributions, transparent lending records, and better conversations about shared money.
Calculate loan interest with a clear formula and peso examples. See how monthly and annual rates work, why principal repayments change later charges, and which payment details your group should record.
In Philippine offices and communities, a sinking fund is a group fund: members contribute every payday, borrow from the pool with interest, and share the interest when the cycle closes. Here is how it works, the rules to agree on first, and a worked example with real numbers.
