5 Tips Para Makaipon Ngayong 2019

It’s that time of the year again when we celebrate the longest Christmas season this side of the globe. We Filipinos enjoy the biggest holiday of the year through get-togethers, gift-giving, and shopping. Masaya talaga, pero madalas nauubusan. When this happens, you won’t be able to start the New Year right. Kaya before pa lang mag-bagong taon, dapat matuto ka na mag-ipon.

Pero tayong mga Pinoy, all-out tayo ‘pag Pasko. Hindi puwedeng walang regalo sa pamilya at sa mga inaanak, at of course walang may gustong maubusan ng pang-enjoy ngayong holiday season.

Pero dapat handa ka pa rin for 2019, and one of the best ways to do it is to start saving now. Para sa iba, mahirap gawin ‘to, pero kung alam mo kung paano, you’ll be literally spending Christmas with a smile on your face and welcoming the new year with a fat wallet.

Take advantage of an online loan in the Philippines so you can have immediate funds over the holidays, or you can start saving using this awesome method—or maybe do both.


1. 50/30/20 Budgeting Rule

Budgeting is tough, pero mas madali kang makakapag-ipon kung kumikita ka. So, if you’re an employee with a monthly salary, you can have an easier time to save. One way to do this is to use the 50/30/20 budgeting rule. Kailangan mo talaga ng rule when you handle money, so you’ll always be in control.

The 50/30/20 rule was coined by Harvard bankruptcy expert Elizabeth Warren, so kapani-paniwala naman na effective ‘to when organizing your budget. The first thing you need to do is compute for your income after-tax. I-minus mo na lahat, pati yung contributions mo to get your net amount. Automatic naman ‘to pagkakuha mo ng suweldo, so no need to worry.

The next step is to limit your needs to 50% of your after-tax income. Kasama rito ang utilities, groceries, medicines, at iba pa. It’s important to know which ones are your ‘needs’ and ‘wants’ for this to be effective. You can skip on minor inconveniences such as your cable bill or yung mga pamporma. But if you can’t forgo bills like the minimum allowable payment for a credit card, then classify it under ‘need’ since a bad credit score will have a negative impact if you don’t pay the minimum.

The 30% falls under ‘wants,’ and this is where all your shoes, travel plans, and meals at restaurants should be limited to. But be careful; hindi kasama dito ang extravagant expenses. Your unlimited cellphone plan, salon appointments, and repairs needed for your car are some of the ‘wants’ that fall into this.

The final 20% of your after-tax income should be for your savings and debt payments, so you have funds for emergencies and your retirement account. Yes, ito yung pang-ipon mo na siguradong may paglalagayan. Make sure you follow the divisions correctly for this to be effective.

2. 12-Month Money Saving Method

The 12-month money saving method is a practical, realistic, and sustainable way to save. Covered ka dito kahit hindi masyadong malaki yung kinikita mo. May formula dito:

                                    Savings for the month = base amount + additional monthly savings

                                    Savings for the month = base amount + (month % x monthly income)

Month % is the applicable percentage that corresponds to the month number. So, kung January, the month % is one, for February, 2% and so on. The base amount is the minimum amount you commit to save. Ikaw na magseset niyan ayon sa kinikita mo. Here’s a sample computation:


Base amount

Additional monthly savings (month % x income)

Total savings for the month



1% x 15K = P150




2% x 15K = P300


Itutuloy mo ‘to hanggang end of the year, which will have a total of P15,300 (kung 15k ang suweldo). Masagana na ang Pasko mo niyan.

3. The You-Snooze-You-Lose Method

This is a simple, yet challenging saving tip, lalo na sa mga natutulog sa pansitan lagi diyan. This works by first setting an amount that you are willing to put into a piggy bank. For every minute you refuse to get out of bed when your alarm clock goes off in the morning, obligado kang maghulog ng amount na ‘yon sa savings fund mo.

4. Automatic Savings Plan

Ito, simple lang din gawin since all you have to do is automatically deposit a fixed amount of money into your savings fund at specified intervals. Pagpasok ng suweldo, puwede ka na mag-auto transfer sa isa mo pang savings account. Parang auto-kaltas na rin, pero sa savings mo naman mapupunta.

5. Spare Change Method

We have a lot of spare change lying around the house or maybe in the hidden corners of the sofa. Ito yung mga barya na iniipon mo or yung mga kung saan-saan na lang nilalagay or napupunta over the years. Pag na-collect niyo yan, malaki rin ang total. What you need to do is gather every spare change you can find and take them to the bank. It’s easy money.



These tips will surely help you be ready for the coming year, so take it up as a challenge as early as now. Just make sure meron kang tamang displina to follow the steps. At sa mga oras na talaga naman nakakapos sa cash, you can always apply for a personal loan from Cashalo, where approval is fast and easy. Hindi ka ma-zezero kung kailangan mo ng pang-gastos.