The Luminary

28/07/2025

𝐇𝐨𝐰 𝐝𝐨 𝐰𝐞 𝐭𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦 𝐤𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞 𝐢𝐧𝐭𝐨 𝐢𝐦𝐩𝐚𝐜𝐭 𝐭𝐡𝐚𝐭 𝐥𝐚𝐬𝐭𝐬?

Beyond equations and spreadsheets lies the skillset of tomorrow’s trailblazers. Are you ready to rise? Catch us up on 𝐀𝐮𝐠𝐮𝐬𝐭 𝟏𝟖, 𝟐𝟎𝟐𝟓, as we release the 𝐋𝐮𝐦𝐢𝐍𝐢𝐠𝐡𝐭𝐬 𝐄𝐩𝐢𝐬𝐨𝐝𝐞 𝟓 with the theme: "𝐒𝐤𝐢𝐥𝐥𝐬 𝐁𝐞𝐲𝐨𝐧𝐝 𝐭𝐡𝐞 𝐒𝐲𝐥𝐥𝐚𝐛𝐮𝐬: 𝐁𝐞𝐜𝐨𝐦𝐢𝐧𝐠 𝐚 𝐅𝐮𝐭𝐮𝐫𝐞-𝐑𝐞𝐚𝐝𝐲 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐏𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥," together with our very own 𝐌𝐬. 𝐒𝐭𝐞𝐩𝐡𝐞𝐧 𝐉𝐨𝐲 𝐏. 𝐂𝐚𝐬𝐭𝐢𝐥𝐥𝐨, a financial analyst and a former editor-in-chief of The Luminary.

More than a module, it’s a movement that will surely empower our fellow Iskolar ng Bayan to grow beyond the classroom, master financial leadership, and shape futures built on vision and grit.

Unlock career wisdom and insider guidance—only at 𝐓𝐡𝐞 𝐋𝐮𝐦𝐢𝐧𝐚𝐫𝐲

27/07/2025

The Philippines is home to a large group of fans of different international artists. From the western and southeast Asian artists to local pinoy performers, many Filipinos are going crazy over their "biases." Fans with money and resources often find the cost of attending concerts rewarding and meaningful, while those who prioritize tickets over basic necessities despite a limited budget may later question whether the expense was truly worth it.

𝐄𝐃𝐈𝐓𝐎𝐑𝐈𝐀𝐋 𝐥 𝐓𝐡𝐞 𝐕𝐚𝐥𝐮𝐞 𝐚𝐧𝐝 𝐂𝐨𝐬𝐭 𝐨𝐟 𝐁𝐞𝐢𝐧𝐠 𝐚 𝐅𝐚𝐧
By: Russell Santos

The Philippines is home to a large group of fans of different international artists. From the western and southeast Asian artists to local pinoy performers, many Filipinos are going crazy over their "biases." Fans with money and resources often find the cost of attending concerts rewarding and meani...

24/07/2025

Researching on a tight budget? Discover simple and strategic tips to keep your thesis expenses under control while still delivering excellent results. Incoming third-year DFM students, take note!

𝐅𝐄𝐀𝐓𝐔𝐑𝐄 𝐥 𝐓𝐡𝐞𝐬𝐢𝐬 𝐨𝐧 𝐚 𝐁𝐮𝐝𝐠𝐞𝐭: 𝐌𝐚𝐧𝐚𝐠𝐢𝐧𝐠 𝐭𝐡𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐨𝐟 𝐚 𝐆𝐫𝐨𝐮𝐩 𝐑𝐞𝐬𝐞𝐚𝐫𝐜𝐡 𝐏𝐫𝐨𝐣𝐞𝐜𝐭
By: Sophia Maun

Researching on a tight budget? Discover simple and strategic tips to keep your thesis expenses under control while still delivering excellent results. Incoming third-year DFM students, take note! As we all know, having a thesis or research project is a common yet important aspect of college. Creatin...

21/07/2025

Next time you think twice about a ₱50 lunch but not about a ₱200 drink, ask yourself: Is it really about the price? Or is it about how I’ve labeled its value in my mind?

𝐅𝐄𝐀𝐓𝐔𝐑𝐄 𝐥 𝐓𝐡𝐞 𝐏𝐬𝐲𝐜𝐡𝐨𝐥𝐨𝐠𝐲 𝐁𝐞𝐡𝐢𝐧𝐝 𝐚 ₱𝟐𝟎𝟎 𝐂𝐨𝐟𝐟𝐞𝐞 𝐚𝐧𝐝 𝐚 ₱𝟓𝟎 𝐋𝐮𝐧𝐜𝐡: 𝐖𝐡𝐢𝐜𝐡 𝐅𝐞𝐞𝐥𝐬 𝐌𝐨𝐫𝐞 𝐖𝐨𝐫𝐭𝐡 𝐈𝐭?
By: Lee Anne Domingo

Next time you think twice about a ₱50 lunch but not about a ₱200 drink, ask yourself: Is it really about the price? Or is it about how I’ve labeled its value in my mind? On a hot Monday morning on the way to work, you suddenly crave a hazelnut mocha macchiato with extra caramel drizzle. You di...

19/07/2025

With the theme “Building Tomorrow’s Solutions: Smart Research, Real Impact,” the inaugural DFM Strategic Feasibility Study (SFS) Summit 2025 marked a significant academic milestone, as 44 groups of third-year Financial Management students from PUP delivered comprehensive business proposals grounded in real-world corporate challenges.

𝐍𝐄𝐖𝐒 𝐥 𝐓𝐡𝐢𝐫𝐝-𝐘𝐞𝐚𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐒𝐭𝐮𝐝𝐞𝐧𝐭-𝐀𝐧𝐚𝐥𝐲𝐬𝐭𝐬 𝐃𝐨𝐦𝐢𝐧𝐚𝐭𝐞 𝐃𝐅𝐌 𝐒𝐅𝐒 𝐒𝐮𝐦𝐦𝐢𝐭 𝟐𝟎𝟐𝟓
By: Lee Anne Domingo

With the theme “Building Tomorrow’s Solutions: Smart Research, Real Impact,” the inaugural DFM Strategic Feasibility Study (SFS) Summit 2025 marked a significant academic milestone, as 44 groups of third-year Financial Management students from PUP delivered comprehensive business proposals gro...

18/07/2025

You never said goodbye, you just stopped arriving and in the silence that followed, I fell apart. But breaking isn’t the end. It’s the beginning of becoming something sharper.

𝐋𝐈𝐓𝐄𝐑𝐀𝐑𝐘 𝐥 𝐖𝐡𝐞𝐧 𝐓𝐡𝐞 𝐒𝐮𝐧 𝐒𝐭𝐨𝐩𝐬 𝐒𝐡𝐢𝐧𝐢𝐧𝐠
By: Rachell Ann Coner

You never said goodbye, you just stopped arriving and in the silence that followed, I fell apart. But breaking isn’t the end. It’s the beginning of becoming something sharper. I didn’t notice the shift at first. It was still July — the air heavy with heat, your smile still golden, your hand ...

16/07/2025

𝗖𝗔𝗟𝗟 𝗙𝗢𝗥 𝗗𝗢𝗡𝗔𝗧𝗜𝗢𝗡𝗦❗

Let us come together and support our fellow Ka-Finance, 𝗦𝗵𝗶𝗲𝗹𝗮 𝗠𝗮𝗿𝗶𝗲 𝗔𝗿𝗰𝗲𝗼 of BSBA FM 2-2, whose family is currently facing a difficult time. Her father, Carlos Arceo, is battling a serious brain clog and urgently needs continuous medical attention. The emotional and financial toll has been overwhelming, with hospital bills and treatment costs piling up each day.

In light of this, we are reaching out to our DFM community to help lighten their burden. Any amount you can spare, no matter how small, will go a long way in assisting Shiela’s family to provide the care their father needs.

For those who wish to extend their help, you may send your donations through the following channels:

𝗚𝗼𝗧𝘆𝗺𝗲 𝗕𝗮𝗻𝗸
Account Name: Shiela Marie Arceo
Account Number: 011292412785

𝗚𝗖𝗮𝘀𝗵
Shiela Marie A.
0992 692 3587

Your support, prayers, and kindness are deeply appreciated. Let us unite as a community to uplift Shiela and her family during this difficult time.

15/07/2025

“Wala naman akong pang-invest eh,” is a common sentiment among Filipinos who often find their money depleted before they can consider investing. However, affordable investment options exist, and by cutting back on non-essential spending like frequent dining out or online shopping, individuals can start saving small amounts to grow their wealth.

𝐄𝐃𝐈𝐓𝐎𝐑𝐈𝐀𝐋 𝐥 𝐁𝐫𝐞𝐚𝐤𝐢𝐧𝐠 𝐭𝐡𝐞 𝐌𝐲𝐭𝐡: 𝐘𝐨𝐮 𝐃𝐨𝐧'𝐭 𝐍𝐞𝐞𝐝 𝟏𝟎𝟎𝐊 𝐭𝐨 𝐒𝐭𝐚𝐫𝐭 𝐈𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠
By: Bernadette Trinidad

“Wala naman akong pang-invest eh,” is a common sentiment among Filipinos who often find their money depleted before they can consider investing. However, affordable investment options exist, and by cutting back on non-essential spending like frequent dining out or online shopping, individuals ca...

12/07/2025

Scholarship delays turn what should be a lifeline into a source of stress, forcing students to choose between survival and academic success. But still, at the end of the day, there is still work to be done before every peso arrives where it is needed.

𝐅𝐄𝐀𝐓𝐔𝐑𝐄 𝐥 𝐍𝐨𝐭 𝐉𝐮𝐬𝐭 𝐋𝐚𝐭𝐞: 𝐓𝐡𝐞 𝐒𝐢𝐥𝐞𝐧𝐭 𝐂𝐫𝐢𝐬𝐢𝐬 𝐢𝐧 𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐀𝐥𝐥𝐨𝐰𝐚𝐧𝐜𝐞𝐬
By: Belle Ashley Iori Sy

Scholarship delays turn what should be a lifeline into a source of stress, forcing students to choose between survival and academic success. But still, at the end of the day, there is still work to be done before every peso arrives where it is needed. Being a scholarship recipient entitles one to ed...

09/07/2025

There’s nothing wrong with improving the online payment system, but when updates happen frequently without noticeable improvements, it becomes more of a hassle than a help. The inconvenience of constant updates often outweighs the benefits they bring.

𝐅𝐄𝐀𝐓𝐔𝐑𝐄 𝐥 𝐆𝐂𝐚𝐬𝐡 𝐇𝐨𝐫𝐫𝐨𝐫 𝐒𝐭𝐨𝐫𝐢𝐞𝐬: 𝐖𝐡𝐞𝐧 𝐄-𝐖𝐚𝐥𝐥𝐞𝐭𝐬 𝐆𝐨 𝐔𝐧𝐝𝐞𝐫 𝐌𝐚𝐢𝐧𝐭𝐞𝐧𝐚𝐧𝐜𝐞
By: Charlie Maedilene Bobis

There’s nothing wrong with improving the online payment system, but when updates happen frequently without noticeable improvements, it becomes more of a hassle than a help. The inconvenience of constant updates often outweighs the benefits they bring. A kind of panic that does not make us scream b...

07/07/2025

CREDIT OR DEBIT? The real question is: what future are you really swiping toward, and why does your choice matter more than you think?

𝐄𝐃𝐈𝐓𝐎𝐑𝐈𝐀𝐋 𝐥 𝐂𝐫𝐞𝐝𝐢𝐭 𝐂𝐚𝐫𝐝 𝐯𝐬 𝐃𝐞𝐛𝐢𝐭 𝐂𝐚𝐫𝐝: 𝐖𝐡𝐲 𝐭𝐡𝐞 𝐒𝐰𝐢𝐩𝐞 𝐘𝐨𝐮 𝐂𝐡𝐨𝐨𝐬𝐞 𝐌𝐚𝐭𝐭𝐞𝐫𝐬
By: Aries Manlangit

CREDIT OR DEBIT? The real question is: what future are you really swiping toward, and why does your choice matter more than you think? In today’s world of instant payments and contactless transactions, the choice between credit and debit might seem minor or automatic. However, beneath each effortl...

28/06/2025

And if you’re still wondering how life is going— Well… you’re still here.

𝐋𝐈𝐓𝐄𝐑𝐀𝐑𝐘 𝐥 𝐓𝐡𝐞 𝐌𝐢𝐝-𝐘𝐞𝐚𝐫 𝐂𝐡𝐞𝐜𝐤-𝐮𝐩: 𝐇𝐨𝐰’𝐬 𝐋𝐢𝐟𝐞 𝐆𝐨𝐢𝐧𝐠 𝐒𝐨 𝐅𝐚𝐫?
By: Joanne Hernandez Omagap

And if you’re still wondering how life is going— Well… you’re still here.As someone who wanders through the crowded corridors of yesterday’s plans, today’s demands, and the hazy sketches of tomorrow, I find myself pausing—right here, in the middle of the year. Not quite the beginning, ...