#spending

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

A young professional at a crossroads between a staircase of shopping bags and a garden path to a jar full of coins

Got a Raise? How to Beat Lifestyle Inflation Before It Eats Your Sahod

You earn more than you did three years ago, so why does it still feel tight? Lifestyle inflation explained, with simple rules to enjoy your raise and still save it.September 5, 2026 · 5 min read

Ponpon the sea turtle thinking beside a balance scale with rice, water and a bulb on one side and sneakers, milk tea and a game controller on the other

Needs and Wants: A 10-Second Test Before Every Gastos

Is it a need or a want? Easy for rice, harder for a new phone. A quick test for everyday Filipino spending, the gray areas in between, and how to enjoy wants without guilt.July 2, 2026 · 6 min read