03/01/2023
5 STEPS IN CREATING EFFECTIVE IPON CHALLENGE
make it doable! achievable ba yan?
Bagong Taon, Bagong Ipon. Napakaraming ipon challenges na pwedeng subukan pero hindi lahat ay doable at applicable. May kanya Kaya tayong preferences at pace so why not make your own challenge?
1. Choose your piggy bank
Pwedeng physical na piggy bank, or pwede ring virtual piggy bank basta ang susi for this na maging effective is hindi mo ito madaling maaccess para iwas temptation to spend it before the year ends
2. Choose a desired amount, be it a coin or a bill
Doesn’t matter if you start small, what’s more important is to START and be able to finish it. Be it 5 pesos daily or 1,000 per month. Magset and magcommit na gagawin mo ito hanggang matapos ang taon. Hindi mo namamalayan, you’re saving more than any ipon challenges out there.
You can try 20 pesos daily x365 days in a year= 7,300 that’s already a lot savings for a year or if kaya pang istretch, 50 pesos daily x 365 = 18,250 pesos
3. Choose the frequency of saving
Mas prefer mo ba ang daily? weekly? monthly? Choose what works for you. Ikaw ang mas nakakaalam kung anong mas effective sayo ☺️
Save at your own pace but make sure not skip saving within your chosen frequency
4. Choose to commit to it.
Starting to save is a struggle and sticking to it is more challenging hustle.
It is best to specify what is this ipon for, so you’ll be motivated to save. Para saan nga ba ako nag iipon? Para ba ito sa travel goals? Wedding goals? Educational goal? House and Lot goal? Car goal? Retirement goal or any goals that you’ve been keeping in mind. Set and specify it para May better sense of direction ang pag iipon mo.
5. Choose an accountable partner
Choose a partner who will motivate and push you to really save. It is easier to keep track of your goals when there is someone with you that is committed to your goals as well, it could be your best friend, your older sibling, your boyfriend/girlfriend, or your spouse or you may choose your trusted financial advisor, your partner for life in achieving your goals.
Let’s all be Good stewards again this year❤️