BMF Vault Blog

Straight answers to the problems Filipino business owners actually have.

Every article is written for one specific problem, cites where its facts came from, and carries a review date — because rules and prices change, and a page that does not say when it was last checked is not worth trusting.

Pricing & Profit

What you keep, not just what you sell.

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FeaturedPricing & Profit

Markup is not margin, and the difference costs you money

A 40% markup is not a 40% margin. It is a 28.6% margin. Here is the arithmetic, in pesos, and the discount mistake it causes.

I add a percentage on top of my cost, so that percentage is my profit — right?

7 min read

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Pricing & Profit

Good sales, no money left at the end of the month

Your sales are fine and your bank account is empty. That is not a spending problem — it is that your money has moved into stock and into suki utang. Here is how to find it.

8 min read