Smart Money - May PERAan

Drawing on his first venture, Kevin Pastolero minimised costs for his second Canberra café, built at the Australian National University in 2024, by requesting a quotation from the builder and comparing equipment prices. - Bitbit ang mga aral mula sa kanyang unang café at restaurant, tinutukan ng may-ari nito na si Kevin Pastolero ang mga praktikal na paraan para mabawasan ang mga gastos sa pagpapagawa ng sumunod niyang café sa loob ng Australian National University sa Canberra. Ilan sa mga natutunan ay paghingi sa builder ng quotation at pag-kumpara ng mga presyo sa equipment, bagay na nakakatulong sa budget.

#sbsaudiopodcast
📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

- #sbsaudiopodcast
📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

In May PERAan, we featured former chemical engineer Xyza Nunez-Malto, who entered the creative industry of event styling and coordination in August 2024. As she prepared to become a full-time entrepreneur, she took free online courses in small business management, building her confidence as a sole proprietor. Through her experience, she learned the importance of contracts, particularly in cases of event cancellation. - Sa May PERAan, tampok ang kwento kung paano pinasok ng dating chemical engineer Xyza Nunez-Malto ang industriya ng event styling at coordination noong August 2024. Bilang paghahanda sa pagiging full-time sa negosyo, nag-enrol siya sa mga libreng online courses para madagdagan ang kumpyansa sa sarili. Dala na rin ng mga naranasan sa negosyo, doon niya napagtanto ang kahalagahan ng mga kontrata, lalo na kapag biglaang hindi na tuloy ang selebrasyon.

#sbsaudiopodcast

📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, Youtube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook and Instagram.

- #sbsaudiopodcast

📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, Youtube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook and Instagram.

Nurses-turned-entrepreneurs Marilen Salonga and Irene Gomez entered the NDIS industry in October 2023, citing lead generation and marketing as key challenges as they worked to establish the business in a competitive market. To build awareness and attract potential clients, they attended networking events. - Batid ng magkaibigan na nurses na sina Marilen Salonga and Irene Gomez na hindi ganoon kadali pasukin ang pagtatayo ng negosyo patungkol sa NDIS, bagay na nalaman nila nang itinayo ang kumpanya nila noong Oktubre 2023. Sumali sila sa mga networking events para makakalap ng mga kliyente.

#sbsaudiopodcast
📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

- #sbsaudiopodcast
📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

Perth-based entrepreneur Diane Bernarte adopted a different business model when she acquired a store in November 2005. Unlike her competitors, she operates an on-site kitchen, giving her greater independence and control on what she prepares and sells. - Kakaibang business model ang ginamit ng negosyanteng taga-Perth na si Diane Bernarte noong nabili ang pisikal na tindahan noong Nobyembre 2005. Di tulad ng mga kakumpitensya, pinapatakbo niya ang sariling kusina na naka-paloob dito, bagay na nagbibigay ng kalayaan at kontrol sa mga pagkain na lulutuin at ibebenta sa mga customers.

#sbsaudiopodcast

📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

- #sbsaudiopodcast

📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

Sydneysider Lea Villanueva launched a children’s online clothing shop in July 2026 with the goal of promoting a deep connection to her Filipino roots. - Binuo ng taga-Sydney na si Lea Villanueva ang online na negosyo para sa pambatang damit nitong Hulyo 2026. Ang layunin ay palawigin ang malalim na koneksyon sa kanyang pagiging Filipino.

📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube

- 📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube

Armed with two decades of hospitality experience, Melburnian Nita Mooney dove into entrepreneurship in July 2026 by acquiring a food truck to launch her Filipino street food business in Thomastown. Despite her extensive industry background, maneuvering the cash flow and equipment costs proved to be her steepest learning curve yet. - Kasabay ang dalawang dekada sa industriya ng hospitality, sumugal ang taga- Melbourne na si Nita Mooney sa pagpasok sa negosyo nang inumpisahan ang food truck niya sa Thomastown nitong Hulyo 2026. Ayon sa kanya, ang pamamahala sa budget ang pinakamahirap niyang natutunan sa unang salta niya sa pagnenegosyo.

📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

- 📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

To complement their online grocery store, Canberra-based architect couple Emerson and Mary Ann Ramos initially set up a market stall in 2020 before transitioning into a physical retail store. They view this expansion as a milestone, as it allowed them to connect with a loyal client base who preferred to inspect and handle products in person. - Para sabayan ang kanilang online grocery store, sumali sa weekend market ang mag-asawang arkitekto na taga-Canberra na sina Emerson and Mary Ann Ramos noong 2020. Ginawa nila ito bago sila nagbukas ng tindahan. Bagay na hindi nila pinagsisisihan dahil dito nila nakilala ang mga kliyente na mahilig mag-inspeksyon sa mga produktong bibilhin.

📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

- 📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

As cost-of-living pressures confront people across Australia, temporary visa holders are no exception. Business journalist and editor Michelle Baltazar advises newcomers to organise their accommodations before arriving in the country and to seek out budget- friendly housing options to ease their initial transition. - Habang patuloy ang hamon ng nagmamahalang bilihin sa buong Australia, maging temporary visa holders ay walang lusot. Ayon kay business journalist and editor Michelle Baltazar, kailangang tiyakin ang tirahan bago pa dumating sa bansa at maghanap ng mga tirahan na sakto o mas mura pa sa nakalaang budget para makatulong sa pagtataguyod sa sarili.

📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

- 📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

With inflation pushing consumer prices up, financial journalist and editor Michelle Baltazar points to government services that permanent residents and Australian citizens can utilise for worse case scenarios - Bunsod ng inflation o ang bilis ng pagmamahal ng presyo ng pagkain at serbisyo, payo ni financial journalist and editor, Michelle Baltazar, na gamitin ang mga tulong at serbisyo ng gobyerno na nakalaan para sa mga permanent residents at Australian citizens.

📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.
- 📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

In a bid to decrease operating expenses amid the cost-of-living crisis, business consultant Alex Apawan Sy cautions entrepreneurs against laying off staff too quickly and instead encourages them to look at other costs that can be minimised, such as shopping around for lower insurance premiums and seeking rent assistance from their landlord. - Para sa mga negosyanteng gusto makatipid ngayong may krisis sa mataas na bayarin or cost-of-living, payo ng business consultant na si Alex Apawan Sy, na tingnan muna ang ibang gastusin na pwedeng mabawasan gaya ng paglipat sa mas mababang insurance premium o paghingi ng tulong sa renta sa kanilang landlords. Aniya, huling opsyon ito dahil ang mga staff ay kalimitang binabalikan ng mga customer dahil alam nila kung paano ito makitungo sa kanila.

📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.

- 📢 Where to Catch SBS Filipino

🔊 On Air – Tune in to SBS Filipino on radio stations across Australia and website live stream, and TV Channel 302 from 10 AM to 11 AM AEST daily.

📲 Catch up episodes and stories – Visit sbs.com.au/filipino or stream on Spotify, Apple Podcasts, YouTube Podcasts, and SBS Audio app.

📣 Follow Us on Social Media – Stay updated by following us on Facebook, Instagram and YouTube.