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Tell a story. Spell the difference.
Dare to speak your mind.
The Luminary is the official publication of the Junior Financial Executives-PUP.


FEATURE l Thesis on a Budget: Managing the Finances of a Group Research Project
Researching on a tight budget? Discover simple and strategic tips to keep your thesis expenses under control while still delivering...
Sophia Maun
Jul 23, 20252 min read


FEATURE l The Psychology Behind a ₱200 Coffee and a ₱50 Lunch: Which Feels More Worth It?
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...

Lee Anne Domingo
Jul 19, 20252 min read


NEWS l Third-Year Finance Student-Analysts Dominate DFM SFS Summit 2025
With the theme “Building Tomorrow’s Solutions: Smart Research, Real Impact,” the inaugural DFM Strategic Feasibility Study (SFS) Summit...

Lee Anne Domingo
Jul 19, 20252 min read


FEATURE l Not Just Late: The Silent Crisis in Student Allowances
Scholarship delays turn what should be a lifeline into a source of stress, forcing students to choose between survival and academic...
Belle Ashley Iori Sy
Jul 11, 20252 min read


FEATURE l GCash Horror Stories: When E-Wallets Go Under Maintenance
There’s nothing wrong with improving the online payment system, but when updates happen frequently without noticeable improvements, it...
Charlie Maedilene Bobis
Jul 6, 20253 min read


FEATURE l Should I Buy Iphone on Cash or Credit?
iPhone fully paid—by cash or credit? The real cost of biting into the Apple depends on your appetite and discipline. In a world of easy...

Beatrice Geronimo
Jun 25, 20252 min read


NEWS l JFINEX-PUP Champions Innovation at the 9th Metro Finance Congress
Over 800 finance students gathered at PUP’s Bulwagang Balagtas for the 9th Metro Finance Congress, championing the theme “Embedded...

Johanna de La Cruz
Jun 23, 20256 min read


FEATURE l The “Bare Minimum” Era: Is Society Lowering Its Standards?
Is the "bare minimum" age a wake-up call to reexamine what really matters, or is it a dangerous slide in expectations? Perhaps the answer...
Belle Ashley Iori Sy
May 1, 20252 min read


FEATURE l Breathers and Beyond: Best Tambayan that every PUPian Should Know
College life at PUP is more than just deadlines and lectures — it's about finding breath between the chaos. From quiet corners on campus...
Joanne Hernandez Omagap
Apr 25, 20254 min read


FEATURE l Four Wheels or Four Walls: Should You Park or Put Down Roots First?
Car or home? Both are milestones, but only one fits your lifestyle right now. So, choose the key that unlocks your version of success. ...
Aries Manlangit
Apr 22, 20253 min read


FEATURE l The 5-6 Lending Culture: Why Informal Loans Still Dominate Philippine Communities
“Hindi pinupulot ang pera” is a common phrase echoed in the busy streets of the Philippines. The 5-6 lending system thrives in...

Johanna de La Cruz
Apr 15, 20252 min read


FEATURE l 'Tingi-tingi’ Culture: The Enduring Economy of Just Enough
'Tingi-tingi’ Culture isn't just a way of buying—it's a way of surviving when every peso counts. Born from necessity, it reflects a...

Lee Anne Domingo
Apr 11, 20252 min read


FEATURE l The Financial Realities of Moving Out and Gaining Independence
Moving out feels like freedom until you realize rent isn’t the only thing draining your wallet. Independence is priceless, but somehow,...
Charlie Maedilene Bobis
Mar 25, 20252 min read


FEATURE l Earth Hour as a Global Initiative: Helpful or Doubtful?
A small act, but a big reminder that sustainable action matters every day. Join millions worldwide in switching off for #EarthHour!...
Russell Santos
Mar 23, 20253 min read


FEATURE l Petsa de Peligro No More: Practical Budgeting Hacks Until Your Next Sweldo
Break free from the Petsa de Peligro struggle and start making every peso count. Financial freedom starts with small moves that lead to...
Aries Manlangit
Mar 21, 20253 min read


FEATURE l Breaking Ground: Successful Entrepreneurs in the Country
From small dreams to big empires—these Filipino entrepreneurs prove that success is a masterpiece of hard work! Let’s now look into the...
Belle Ashley Iori Sy
Mar 7, 20253 min read


FEATURE l The 2024 Year-End Itinerary: Top 5 Destinations to Experience the Holiday Glow in the Metro
Feel the magic of Christmas come alive! Explore the Metro's top festive spots and let the dazzling lights brighten your holidays. The...

Lee Anne Domingo
Dec 22, 20244 min read


FEATURE | Sleighing Holidays: Tips to Avoid Financial Hangovers this Season
The harsh reality of our finances is sometimes overshadowed by the joy of buying things. To enjoy the holidays and avoid ending the year...

Bernadette Trinidad
Dec 21, 20242 min read


FEATURE | Gift-Giving on a Budget: Meaningful Presents That Won’t Break the Bank
To all Ka-Finance and PUPians out there, keep in mind that giving a gift this season does not have a specific standard, and it is not...
Sophia Maun
Dec 20, 20244 min read


FEATURE | Disconnect to Reconnect: Unplugging the Vices
Reject modernity, embrace tradition—disconnect to reconnect. The best way to rediscover the joy of being present in the moment is to stop...

Lee Anne Domingo
Nov 29, 20244 min read
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