#sahod

Practical guides on ipon, budgeting your sahod, utang and wise living for Filipinos, from the Iponista team. Real peso examples and free tools.

Ponpon the sea turtle beside a wall calendar with two paydays circled in gold, holding a stack of coins in each flipper

Kinsenas 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.September 4, 2026 · 5 min read

Ponpon the sea turtle celebrating with a fresh graduate holding his first payslip envelope in an office lobby

First Job, First Salary: A Money Checklist for Fresh Grads in the Philippines

Your first salary is exciting, and it's also when your money habits are born. A practical checklist for fresh grads: payslip, benefits, family, ipon and a little celebration.August 20, 2026 · 5 min read

Ponpon the sea turtle dropping a coin into a glass alkansya jar at home, with a jeepney passing outside at sunset

How to Save Money in the Philippines When Your Sahod Barely Lasts

No magic, no sermon. A practical way to build ipon on a regular Filipino salary, starting this payday, even if it's just ₱200.August 12, 2026 · 6 min read

A friendly pie chart split into needs, wants and savings with small icons of a house, milk tea and a coin jar

The 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.July 29, 2026 · 5 min read