LET’S face it—life’s mahal (expensive), but that doesn’t mean we can’t hustle our way to financial stability.
Here are some tips for a better you this 2025:
1. Know where your money goes (mag-budget parang pro)
Track your gastos (expenses). You can use free apps like Mint or Wallet to monitor where every peso is going.
Once you see your spending patterns, you’ll know where to cut back. For sure, goodbye Shoppee and Lazada checkouts!
Stick to the 50/30/20 rule—50% for needs, 30% for wants, 20% for savings and investments.
2. Upgrade your side hustle game
Extra kita (income) is life. Whether it’s online selling, freelancing, or tutoring, find something you enjoy that pays.
Bonus points if it’s something you can do from home—no commute = extra savings!
3. Embrace the ‘Ipon Challenge’
Hindi kailangan magmadaling mag-ipon. Umpisahan sa pakonti-konting ipon. Basta consistent!
Try saving P50 o kaya kahit P100 kada linggo. Use a cute jar para mas maka-motivate. It may sound simple, but you’ll be surprised how much you’ll have at the end of the year.
4. Invest in your future, slowly but surely
You don’t need to be rich to invest.
Apps like GCash and Maya now offer investment options for as low as P50. Go for low-risk options like MP2 or UITFs if you’re just starting. Every peso you invest today is a peso working for your future.
5. Cut Down on ‘small joys’ (kahit paminsan-minsan lang)
Uso ang kape o kaya ay milk tea. Tapos sasamahan mo pa ng samgyup session. Pero laking gastos kaya yun, when you sum it up.
Limit the splurges to once or twice a month. Treat yourself, but don’t overdo it.
6. Avoid ‘utang’ unless it’s productive debt
If you’re borrowing money, make sure it’s for something that will earn you more, like starting a sari-sari store or funding your child’s education—not for a flashy new phone.
7. Maximize freebies and discounts
Say yes to promo codes, reward points, and loyalty cards.
Sign up for free learning workshops, webinars, and government programs that can help you upskill.
8. Get insured, sistah!
Unexpected gastos (like hospital bills) can wreck your savings. Check out affordable insurance plans or government programs like PhilHealth and SSS to keep yourself protected.
9. Cook at home and bring baon
Food delivery is tempting but pricey. Cooking at home saves tons, and bonus: it’s healthier! Pack baon for work instead of buying fast food daily.
10. Stay focused on your financial goals
Set clear short-term and long-term goals. Want a bahay (house)? Dreaming of a small business? Remind yourself of your why when the going gets tough. Celebrate small wins, and don’t be too hard on yourself.
At the end of the day, it’s not about earning millions but making smarter choices with what you have. Let’s make adulting a little less scary—kaya natin ‘to!
