My 100,000 Pesos Savings Journey At The Age of 20: Tips for Students

86 145
Avatar for Eirolfeam2
3 years ago

Hello, everyone. ๐Ÿ™‹๐Ÿผโ€โ™€

Share ko lang po ang aking Ipon Journey kung paano ako nakapag-ipon ng P100,000+ at the age of 20.

3rd year college student po ako sa isang state university.

As a student, mahirap po talaga makaipon dahil maliit lang din naman ang allowance na ibabudget sa loob ng isang linggo, lalo na't maraming gastusin sa kolehiyo.

Natuto po akong mag-ipon nung High school palang ako na nadala ko hanggang college na.

So ito po ung mga tips ko on how to save and earn money for students like me na nasa High School or College palang. Pwede din po sa mga may trabaho na.

Tip No. 1:

Matutong Magtipid/ Be Trifty

"Don't live beyond your means"

Madaming ways jan kung paano makakatipid. Magbaon ng tubig at pagkain. Maglakad kung papasok sa school. Learn to say "No" din sa mga kaibigan na nag-aayang kumain sa fastfood.

Monitor your Expenses. Eto ung ultimate savings Formula.

"Allowance - Savings = Expenses"

Tip No. 2:

Set a Savings/Financial Goal

Sakin, nililista ko sa notebook ko kung magkano ung goal kong maipon sa target date ko. Effective to kasi machachallenge ka talaga. Madami ding mga Ipon Challenge ang sinubukan ko na.

"Set a goal that is challenging but realistic."

"Don't just set your goals. Work hard to achieve it."

Tip No. 3:

Open A Savings Account

Nag-open ako ng savings account sa BPI nung may naipon na ako galing sa ipon challenge ko. Dun ko hinulog kasi baka magastos ko siya.

Tip No. 4:

Find a Source of Income

Tatlo ang sources ko kung saan ako nakakakuha ng pera- Allowance, Business Profits (nagloload po ako sa mga classmates ko), and Scholarships.

Tip No. 5:

Reward Yourself

Hindi masama na itreat mo ung sarili mo lalo na kung alam mong nareach mo na ung goal mong ipon. Pero huwag to the point na mauubos na ung savings mo.

Always Remember!

"Madaling Gumastos,

Pero Mahirap Mag-Ipon."

Ito po ang next savings goal ko:

200,000 pesos at the end of year 2020.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Writer's Note:

Thank you. Sana may na'inspire kahit papaano. Dapat matuto na tayong magtipid at magtabi ng pera para kapag nagkaroon ng emergency, at mayroon tayong perang madudukot. ๐Ÿ™†

25
$ 0.29
$ 0.27 from @Telesfor
$ 0.01 from @salma24
$ 0.01 from @andrianlover
Avatar for Eirolfeam2
3 years ago

Comments

nice huta ha

$ 0.00
3 years ago

sinubukan ko narin ang mag ipon sa awa ng diyos wala parin akong naitatabi.hirap mag ipon lalo na marami kang utang na binabayaran.

$ 0.00
3 years ago

Okay lang na walang ipon as long as nakakapagbayad ng utang. Para kapag wala ka ng utang, pwede ka ng mag-ipon. Hehe :)

$ 0.00
3 years ago

I agreeee! what an insipiring article, please keep writing to inspire more students like me, I also have plans and goals to achieve so don't give up we can do this!

$ 0.00
3 years ago

Wow. It's good to know that I was able to inspire a student like me in this site. Let's work hard to achiever our goals. Cheers. :)

$ 0.00
3 years ago

Agree po aq mag ipon habang bata pa. Darating ang panahon na mai e enjoy mo din pinag hihirapan mo sa ngayon.

$ 0.00
3 years ago

Yes. I agree. Sabi nga nila, the earlier you experience hardships, the earlier you will you will be able to reap the fruits of it. :)

$ 0.00
3 years ago

I agree to some of the ways listed. Especially yung Allowance-savings-expenses. I highly believe in that. However, I am confused with one thing. ScholarshipS (plural? meaning more than one?) as one of your source of income? How'd that happen. Cause I think it supposedly go direct to the school or if not, the amount granted should be exactly what your tuition is. I'm not really sure that's why I am confused.

$ 0.00
3 years ago

There are a lot of scholarships from the Government that is given to public and private students in our province. Right now, I only have one existing scholarship as it really is not allowed to have more than one. And in that scholarship, they give out stipend, as we don't have to pay for tuition fees anymore.

$ 0.00
3 years ago

Wow. Just wow. Here I am, 21 years old with empty bank accounts lol! Kidding aside, your article inspired me to really value the concept of saving. I don't spend too much in what I want. I make sure I need it before I buy it. I also have a scholarship with DOST. I'll try to be thrifty enough. Thank for this!

$ 0.00
3 years ago

Wow. Being a DOST scholar means something. And I believe they give out higher amount of money for their scholars. Hehe good luck in saving and I hope my tips will help you. :)

$ 0.00
3 years ago

It is really great to see some young kids that do really know how to save and spend wisely the money they have. One thing is that saying โ€œDonโ€™t live beyond your meansโ€ there are some cases you really canโ€™t apply that especially if it is really something important that you need. Anyone has their own way and own perspective in life, what matters the most is that you succeed and achieve your goal in life taking note that you always do the good thing and you are not affecting other people.

$ 0.00
3 years ago

I agree po. Hehe But my point on living beyond your means is actually wasting your money on unimportant things. But if you used your money on something that is important and you need it, that is not considered living beyond your means. Yes, just do your thing and be good always. :)

$ 0.00
3 years ago

โ€œliving beyond their meansโ€œ, means that they are spending more money than they can afford. My uncle said that I shouldnโ€™t buy a laptop that I cannot afford which costs 40,000 pesos. My purpose is to spend that high amount for me to use for a long period of time. I am an IT student and I know about computers and what laptop should I choose. Thatโ€™s why I decided to take on that laptop which offers the best specs and offers the best price where you can also upgrade your storage and ram which will be useful in the near future when your laptop is already loaded with some big files. My point is that sometimes we cannot expect those things and we also need help from others , we also need some more extra money for us to survive and use it for our family or loved ones.

$ 0.00
3 years ago

I understand your point. But if that money was used for something that you need as a student, and you know that you can still benefit from it even if the time passes, then you should consider it as an investment. :) I myself have spent more in the middle of pandemic, because I built my own house already. My relatives think it is living beyond my means, but I consider it as a good investment. So in your case, it's just fine. :)

$ 0.00
3 years ago

wow, I am so proud of you not everyone have this discipline like you have. I include myself to that. I can spend 1000 pesos in one day. ill take this challenge and see my progress after 3 months.

I save this article of your worth to read and your tips are very inspiring ang helpful. this is what I call a good article.

$ 0.00
3 years ago

Wow. Thank you so much po. I'm so flattered with your comment. Hehe and wow with the 1K pesos in just one day. Yes po, just save a small amount of money everyday and you will see that your money has grown big already. :)

$ 0.00
3 years ago

daig mo pa mga proffesional highschool ka plang nyan huh. you should better keep it up para kapag nagkasarili kang pamilya handa ka na swerte ng magiging mister mo marunong kang magubdget

$ 0.00
3 years ago

3rd year college na po ako. Hehe Sana nga din maswerte ako sa magiging asawa ko. Lol

$ 0.00
3 years ago

1 year n lang graduate kna :-) keep it up your parents hard work will be paid off soon. wag k muna magasawa para makabawi ka muna sa mga parents mo

$ 0.00
3 years ago

Yes po, excited na nga akong grumaduate para naman makabawi na ako sa kanila. Yes, mag'sisingle goals muna ako bago mag'boypren. Lol NBSB ako eh. ๐Ÿ˜‚

$ 0.00
3 years ago

you're same with my old classmate in high school she was mean since till last year haha then when get bf instant married lol

$ 0.00
3 years ago

Omg. Haha I just hope that will not happen to me. I still have a lot of goals to chase. Not guys. Lol ๐Ÿ˜‚

$ 0.00
3 years ago

haha don't end your words with points already or else ........

$ 0.00
3 years ago

Oh no. Okay. I'll just it with a coma. Hahaha

$ 0.00
3 years ago

Bwahahaha i question mark mo na lang para di tapos haha

$ 0.00
3 years ago

Swerte mo tlga pag nakuha ka sa mga scholarship ng state universities samin dito sa CSU 40k per year ton bali 20k sa first sem tpos 20k ulit sa second sem. Bali random picking yung ginagawa nila if napick ka noong first year mo as scholar matik hanggang 4th year college mo makakatanggap ka ng 40k. Ang sad lang kasi ngayong third nako di parin sinuwerte haha.

$ 0.00
3 years ago

Baka ung Tertiary Education Subsidiary ung sinasabi mo na random picking. Hehe nag'apply din kasi ako doon noon, kaya lang di din ako mapalad na mapili. Kaya nag'apply ulit ako sa ibang scholarship na government din ang pumupundo. Same amount of stipend din. Haha Try mo mag'apply baka meron sa provincial government niyo.

$ 0.00
3 years ago

Nakalimutan ko tuloy yun haha di kasi napili kaya wala nakong gana. May scholarship din pero 5 student per barangay lng tpos dami ding estudyanteng college dito pano ko mapipili haha malakas lng ang kapit napipili dito samen haha.

$ 0.00
3 years ago

Ayy un lang. Kapit kapit ang labanan. Haha Ipunin mo nalang ung sa daily allowance mo. Kahit maliit, atleast may naiipon. :)

$ 0.00
3 years ago

nice thank

$ 0.00
3 years ago

Wow that is great. Not all teenager can save that kind of amount. Keep what you are doing and someday you will notice its beyond your limit. Keep safe and healthy.

$ 0.00
3 years ago

Yes po. Hehe thank you for the encouragement. Keep safe din po. :)

$ 0.00
3 years ago

Like comment back Dear baby

$ 0.00
3 years ago

Ang galing mo naman pong mag-ipon ako kasi yung ipon napupunta sa mga school materials ko nahihiya na kasi akong humingi ng pera kapag.

$ 0.00
3 years ago

Un lang talaga problema ng students. Karamihan sakto lang ung pera for school materials. Kaya kapag may sobra, itabi mo nalang at huwag gastusin. :)

$ 0.00
3 years ago

That's actually inspiring. Sana all nakakaipon hahaha.

$ 0.00
3 years ago

Haha salamat po. Umpisahan na mag-ipon para sa future. :)

$ 0.00
3 years ago

tama tama, galing mo lods haahha sana aall talaga

$ 0.00
3 years ago

Wow ang galing mo po mag ipon ma'am nakakahanga po ibubookmark ko to para makatulong sakin pag napapagastos ako hehehe, nakaka-inspire mag ipon dahil sa article na to ma'am, saktong sakto po sa course mo pag gusto mo mag tayo ng business is May background ka na, o diba alam ko nabasa ko sa article mo non e, keep it up po madam!

$ 0.00
3 years ago

Yayy. It's good to know na meron talaga nagbabasa ng mga articles ko dito. Hindi ung basta basta nagcocomment lang. Hehe Salamat po. :)

$ 0.00
3 years ago

Wow napakalaki naman ng naipon mo. Pwede favor?pasub back naman ako oh

$ 0.00
3 years ago

Ang galing! Keep inspiring others. Goal ko din ang makapag ipon kaso mahirap kapag nalalaman ni mama na may ipon ako laging inuutang tapos pag siningil naman sisingilin din ako nung mga pinakain niya daw sakin mula pagkabata haha. Kaya ang ending walang ipon kasi nakakakonsensya din kapag nanghihiram tapos di ko papahiramin kahit meron naman akong ipon.

$ 0.00
3 years ago

Naku. Huwag kang makonsensiya. Hahaha joke lang. Pero tama yan. Kahit walang naiipon, basta nakakatulong, okay parin. :)

$ 0.00
3 years ago

Kaya nga eh. Aanhin ko naman yung maraming ipon kung di rin ako makakatulong sa pamilya ko.

$ 0.00
3 years ago

Tama yan. Pero minsan okay din na isipin natin ung sarili at ung future natin, kaya mahalaga na magtabi tayo kahit kunti lang. Hehe

$ 0.00
3 years ago

Tama ka din kaya nga ngayon kapag may ipon ako di ko opinapaalam sa kanila hahahaha

$ 0.00
3 years ago

Tama. Huwag mong ipaalam. Yan secret ko nung 18 pa ako eh. Di ko sinasabi sa kanila. Tsaka lang nila nalaman na may ipon ako nung nag'20 na ako. ๐Ÿ˜‚

$ 0.00
3 years ago

Go go go kaya mo yan!๐Ÿ™†๐Ÿ™†๐Ÿ™†

$ 0.00
3 years ago

Sana nga. Hahaha

$ 0.00
3 years ago

Nahihirapan talaga ako mag ipon..hahaha. Pero salamat sa mg tips mo friend para maka ipon kami.

$ 0.00
3 years ago

Go. Ipon na. Kaya yan. :)

$ 0.00
3 years ago

Goodluck po sa goal mo! And congrats!๐Ÿ˜Š

$ 0.00
3 years ago

Salamat po. :)

$ 0.00
3 years ago

Welcome po, ate๐Ÿ˜Š Wish you luck po. Napaka galing nyo pong magtipid, I know that you will have a good future po๐Ÿ˜Š

$ 0.00
3 years ago

Sana nga po. Hehe Excited ako na kinakabahan sa future eh. Haha

$ 0.00
3 years ago

Kaya mo po yan ate. Napaka matiyag nyo po, at naniniwala po ako sa kasabihang "Kapag may tiyaga may nilaga"๐Ÿ˜Š

$ 0.00
3 years ago

Yayy. Tama. Tiyaga lang talaga. Hehe Salamat ulit. :)

$ 0.00
3 years ago

Walang anuman pa. I wish you luck po. Konti na lang po talaga sa mga kabataan ngayon ang kagaya nyo at mga kagaya nyo po ang dapat na tinutularan๐Ÿ˜˜

$ 0.00
3 years ago

Hehe oo nga eh. Pansin ko sa mga kaedad ko mahilig silang kumain sa mga mamahaling restaurant ganun. Di ko kaya un. Haha

$ 0.00
3 years ago

Opo nga ate. Mag jojolibbee pa, inasal etc. Eh meron naman sa canteen o sa maliit na kaininan mura na masarap pa๐Ÿ˜‹

$ 0.00
3 years ago

Ung mga classmates ko ganun, every week sa Mcdo. Naku. Hanggang karinderya lang ako. Hahaha

$ 0.00
3 years ago

Hahaha same po, masarap din naman po pagkain sa karinderya tapos mura pa, odba swak na swak

$ 0.00
3 years ago

Tama. Akala kasi nila nakakababa ng pagkatao kapag sa karinderya lang kumakain eh. Di nila alam, mas healthy kumain dun. Haha

$ 0.00
3 years ago

Kaya nga ate haha, basta lang masabi na kumakain sila sa mamahalin eh๐Ÿ˜…

$ 0.00
3 years ago

Di nila alam they are putting their health at risk sa mga kinakain nila. Haha

$ 0.00
3 years ago

Haha kaya nga po, give them advice nga ate..they really need someone like you to advice them

$ 0.00
3 years ago

Naku. I always give them advice. Ayaw naman nila makinig. Bahala sila. Hahaha

$ 0.00
3 years ago

Hahaha sige ate, siguradong dadating din yung araw natuto sila pero sana mas maaga na silang matuto ngayon

$ 0.00
3 years ago

They choose to learn their lessons the hard way through first hand experience eh. Haha Matututo din sila.

$ 0.00
3 years ago

Opo nga๐Ÿ˜„

$ 0.00
3 years ago

Ang galing mo po talaga mag write article . Napapabilib na talaga ako. Ganyan din po ako nung kulehiyo at highschool ako kaya . Pagdating birthday ko or kung may kelangan ako may mapag gigift at pagkukunan ako. Salamat po sa shinare mong tips mo . ๐Ÿ˜‰๐Ÿ‘

$ 0.00
3 years ago

Halla. Salamat po. Hehe Nakaugalian ko na din kasi magsulat noon pa man. Kaya naexcite ako nung nalaman ko tong site. Welcome po. :)

$ 0.00
3 years ago

Wow, I admire young people who knows how to value and save money at young age. Keep it up dear. For sure you'll be a successful person in the future

$ 0.00
3 years ago

Thank you po. I hope so po. Hehe

$ 0.00
3 years ago