The Voluntary Foundations
You work from home, so no HR deducts these for you. If you stop paying, you lose your safety net. You must register as a Voluntary Member.
SSS (Social Security System)
The most versatile safety net. Covers sickness (cash allowance), maternity, disability, and retirement pension.
Example: earning ₱20k/mo → Pay ~₱2,800/mo.
Example: Pay Jan dues by Feb 28.
PhilHealth (Medical)
Subsidizes hospital bills. CRITICAL: You cannot use this if you have missed payments prior to hospitalization.
Floor: ₱500/mo. Ceiling: ₱5,000/mo.
Pag-IBIG (Housing)
Offers housing loans and the high-yield MP2 Savings program (tax-free dividends).
Recommended: Pay more to increase savings.
Straight answers
Separate business records, set aside tax buffers, track invoices and contracts, and review cash flow monthly so client work stays profitable.
Depends on jurisdiction and income. Many professionals use a percentage buffer on every invoice, confirm rates with a qualified tax advisor.
Contracts or scope confirmations, invoices, payment proof, delivery approvals, and major client decisions in writing.
Keep admin foundations visible in one workspace.
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