BudgetingBudgeting
Practical budgeting guides for Filipinos from the Iponista team: real peso examples, free tools and simple steps.
Budgeting
BudgetingSinking Funds: How to Ipon for Pasko, Tuition and Bills Without Stress
Christmas isn't an emergency. Neither is enrollment. A sinking fund turns the big costs you already know are coming into small, boring payday transfers.
BudgetingDigital Sobre: Envelope Budgeting With GCash, Maya and Your Bank
Our lolas budgeted with labeled envelopes, and it worked. Here's how to run the same sobre system with e-wallet pockets and bank accounts, without the chaos.
BudgetingKinsenas Budgeting: How to Budget Your Salary When You're Paid Twice a Month
Paid on the 15th and 30th? A monthly budget hides the real problem. Here's how to split bills, ipon and daily money across each cutoff so both halves of the month work.
BudgetingThe 50/30/20 Rule in the Philippines: Does It Work on a Filipino Sahod?
Half for needs, 30% for wants, 20% for savings. Simple on paper, but does it survive Philippine rent, padala and kinsenas pay? An honest look, with versions that do.
Budgeting