6 Easy Tips To Save 6-Figures This Year

Kung isang goal mo this year ay makapag-ipon ng 6-figures, para sayo ‘to.

Dito sa article na ‘to, gusto ko lang i-share ‘yung 6 na life-changing things na natutunan ko tungkol sa pag-iipon ng pera. Itong mga tips na ‘to, it has allowed me to save and invest more than 30% or more of my income.

We’ll also talk about magkano ba dapat ‘yung ma-save mo kada buwan para makapag-ipon ka ng 6-figures this year.

Pero bago ‘yun, kailangan mo munang malaman ano ba ‘yung mga pumipigil sayo para makapag-ipon.

Kung nagsa-struggle ka sa finances mo, baka nagagawa mo ‘tong dalawang bagay na ‘to nang hindi ka aware.

‘Yung early 20s ko, sobrang struggling ako when it comes to finances. Una sa lahat, nahirapan akong maghanap ng trabaho kasi hindi ko alam paano ibenta ‘yung sarili ko. Hindi ako magaling sumagot sa interviews.

But aside from that, I had these wrong beliefs about money that kept me broke during those moments. Ito yung mga money myths at wrong beliefs about money na meron ako kaya hindi ko magawang mag-save ng pera.

At gusto ko lang i-share sayo ‘yung ilan sa mga wrong beliefs na ‘yun para ma-overcome mo rin.

Akala ko noon, dapat mataas ‘yung sweldo ko bago ako mag-ipon. Kasi pano ka nga naman mag-iipon kung walang sumosobra sa pera mo diba? Maliit ‘yung pumapasok tapos ang daming lumalabas.

But I realized something: ‘yung pagse-save ng pera, it’s not just about how much you make. It’s about being intentional and conscious about your spending.

Nung tinignan ko san napupunta ‘yung pera ko noon, nakita kong ang dami kong gastos sa mga bagay na hindi naman mahalaga sakin. For example, hindi naman ako mahilig mag-travel, hindi ako mahilig sa branded na sapatos dati, eating out kasama ang workmates, and so on.

So, mas naging conscious ako sa kung paano ako mag-spend ng pera. Inalis ko yung mga hindi naman mahalaga for me and I just chose the things I would spend money on.

Nung nagsisimula akong magtrabaho, iniisip ko na ‘yung savings eh ‘yun ang matitira after kong mag-allocate ng resources. Kung ano lang ‘yung matira after magbayad ng bills, mag-allocate para sa pamasahe, pagkain, ganyan, ‘yun ang ise-save ko.

Apparently, wala palang natitira kapag ganon. Nagagastos ko kasi lahat eh.

So, instead of having that kind of formula, binaliktad ko. I saved a little something muna tapos tsaka ako nag-allocate. Dahil nga conscious na rin ako sa pag-spend, pumapasok naman ‘yung expenses sa budget. ‘Yun ay kahit na maliit lang kinikita ko non which is a little above minimum during that time.

Here’s what I realized: saving isn’t about the size of your income—it’s about your discipline.

Even if you earn a modest salary, setting aside ₱50 or ₱100 every week adds up over time. Small actions matter. Proverbs 21:20 says, “The wise store up choice food and olive oil, but fools gulp theirs down.”

Tapos kung gusto ko ng extra pera, I had to be creative. Kailangan mag-isip ako paano ako kikita ng pera outside what I earn sa full time job ko. But that’s a different topic.

Anyway, you have to be intentional about saving and spending money. Kailangan alam mo ano ‘yung pumapasok sayo at ano ‘yung lumalabas. And it all starts with adopting a better mindset. Kasi kung hindi natin babaguhin ‘yung kung paano tayo mag-isip, hindi magbabago kung pano tayo mag-act.

That’s why the first step to saving 6-figures this year is to…

What if, ‘yung dahilan kung bakit hindi ka nakakapag-save ng pera ay HINDI dahil kulang ‘yung income mo? What if ‘yung dahilan ay dahil hindi mo pa PRIORITY ‘yung pagse-save? The truth is, you’ll never magically have money left to save. Lalo na kung gagawin mo ‘yan sa dulo—after mo nang magastos lahat.

But when you make saving money your FIRST financial decision every time na may pumapasok na income sayo, everything changes.

Dati tinitignan ko ‘yung savings as something that I’d do either kapag mas marami na akong pera. O di naman kaya, sa dulo na—kapag nabayaran na lahat ng kailangan bayaran, tsaka na ako magse-save.

But over the years, na-realize kong hindi effective ‘yung ganong strategy. Either I’d save some pero nagagastos ko rin.

What changed was how I viewed saving: I made it a priority. Isa sa mga unang nababawas sa kinikita ko ay ‘yung savings. Tapos ‘yung natitira, ‘yun ang pinagkakasya ko.

Sabi nga ni Warren Buffett, “Do not save what is left after spending, but spend what is left after saving.”

This is why I created my 6-Figure Savings Challenge. Ito 'yung exact system ko kung paano ako nakakaipon ng multiple 6-figures per year kahit pa sobrang gastos ko.

Anyway, pano mo mapapakitang priority mo ‘yung pagse-save? By doing these steps:

Pwede ‘tong percentage ng sweldo mo pero pwede rin namang specific amount. For example, nag-decide kang mag-save ng P1,000.00 per month. Malaking bagay na ‘yun. O ‘di naman kaya, nag-decide kang mag-save ng 10% ng income mo per month.

Magugulat ka na lang, ‘yung savings mo, nagko-compound.

Ihiwalay mo na agad ‘yung perang iipunin mo para hindi mo na magastos. Here’s a good thing to practice: put it on a separate account (more on this later). Kung pwede pa nga, i-automate mo ‘yung pagse-save ng pera mo eh. Tapos, kapag nahiwalay mo na, put it out of your mind. ‘Wag mong isipin palagi na may savings ka kaya afford mong gumastos.

Instead, isipin mong nagastos mo na ‘yung perang inipon mo para mabili ‘yung freedom mo sa future.

Bakit? Kasi kung hindi, mapapadalas ‘yung pag-iimpulse buy mo sa mga bagay na hindi naman importante para sayo o hindi naman priority. Isa pa, alam mo na agad kung saan mapupunta ‘yung natitirang pera mo.

Maganda rin ‘to para ma-develop mo ‘yung disiplina sa pagsasabi ng “hindi” sa mga bagay na hindi mo pa kaya sa ngayon.

Minsan kaya hindi tayo nakakapag-save ay dahil marami tayong gustong bilhin. O ‘di naman kaya, marami tayong pinagkakagastusan na hindi naman talaga mahalaga satin.

Personally, I hate budgeting. So what I do instead is to be conscious in spending. Ibig sabihin, ‘yung mga bagay na hindi ko masyadong trip, hindi ko nilalaanan ng pera.

For example, I don’t really enjoy traveling. So hindi ako naglalaan ng budget sa travel. Sobrang hassle sya para sakin especially kung mag-eeroplano pa.

Instead of allocating money for something that I don’t enjoy, I put money on things that make me happier: learning, eating at restaurants, investments, etc. Iba-iba tayo ng trip sa buhay. So maganda kung alam mo ‘yung sayo tapos do’n ka maglaan ng resources.

Imagine holding your paycheck in your hands. Yung tipong nararamdaman mo yung bawat bills na nakalagay sa kamay mo. Tapos, imagine having the kind of power to know and decide kung saan mapupunta yung bawat perang pinaghirapan mo. At masaya ka sa bawat decision na ‘yun.

Conscious spending isn’t about depriving yourself; it’s about prioritizing on things that really matter to you.

For example, I don’t have a problem spending P50,000.00 in a month kapag nag-eenroll ako sa mga online courses o mga educational program. Bakit? Kasi isa sa highest value ko sa buhay ay ‘yung growth. At nakukuha ko ‘yung growth na ‘yun kapag may natututunan akong mga bagong bagay.

You can be a conscious spender by applying these 3 simple steps:

Alam ko minsan nakakatamad ‘tong gawin. So what I do is I use an app called Wallet by Budget Bakers. Sobrang daling gamitin nitong app na ‘to and at the same time, nakakatulong ‘to sakin para malaman saan ako nag-spend ng pera.

Honestly, nakakatakot mag-track ng expenses. Kasi dito lumalabas kung “sino ka talaga.” Makikita mo dito, with data, kung pala-online shopping ka, ma-impulse buy ka, mahilig kang kumain, and so on. But having this data allows you to change what you don’t want in life and be the better version of yourself.

Aminin natin, hindi naman lahat ng pinagkakagastusan natin buwan-buwan eh mahalaga para satin. ‘Yung iba, nakita lang natin sa social media tapos napabili na tayo. But the thing is, this habit goes unnoticed if you don’t have the data to face what’s really happening.

The bright side of thinking about what’s unnecessary for you ay ‘yung nagkakaroon ka ng extra budget na pwede mong ilagay sa savings mo. Hindi mo kailangang tipirin ‘yung sarili mo. Ilagay mo lang ‘yung tamang resources sa mga bagay na mahalaga sayo.

At para malaman mo kung anu-ano ‘yun…

Ito ‘yung mga bagay na talagang mahalaga para sayo. Once ma-identify mo na kung anu-ano ‘yung mga nasa Happy Shopping List mo, wag kang gumastos sa mga bagay na wala naman do’n.

Sure, minsan masarap lang talagang gumastos ng pera. But if you’re doing that just because you’re bored, something is seriously wrong. At ‘yun ang kailangan mong sunod na alamin.

Bukod sa pagiging conscious spender, ‘yung pag-delay ng impulse buys natin ay malaking tulong din para makapag-save ka ng 6-figures this year.

Have you ever experienced ‘yung bumili ka ng isang bagay dahil lang bigla mong nagustuhan? Only to find out na hindi mo pala sobrang kailangan ‘yung bagay na ‘yun? Tapos ang ending, pinagsisisihan mo bakit ka bumili?

I’ve had those kinds of experiences. One of the biggest is spending P40,000.00 on a device at isang service na hindi ko naman pala talaga kailangan. I just bought it so I can feel “cool”. Pero sa totoo lang, wala naman s’yang magandang nadagdag sa buhay ko. Ang ending, I was so regretful at disgusted sa decision na ‘yun.

It was a P40,000.00 tuition fee to learn the value of delaying impulse buy.

When you learn to delay gratification, mas nade-develop mo ‘yung self-control at nakakatulong ‘tong mapadali ‘yung pagse-save mo ng pera.

And one of the best ways to delay gratification is by implementing the 30-day buying rule. Kumbaga kapag may naisip kang bagay na gusto mong bilhin, maghintay ka muna ng 30-days bago mo bilhin yun. Minsan, after nung 30 days, ayaw mo na don. Wala na ‘yung urge to buy it.

So, ang gawin mo:

• Write the item and the price of the item sa isang notepad. Kahit sa notes mo sa phone, pwede na.
• Pagkatapos non, ‘wag mo munang isipin ‘yung bagay na ‘yun. Just relax and know na kapag gusto mo pa rin ‘yung bagay na ‘yun after 30 days, bibilihin mo s’ya.
• After 30 days, ask yourself, “Do I still want this? Or would I rather save the money?”

Don’t expect to get this perfect. Ako din minsan may impulse purchases pa din naman ako. Pero sobrang laki nung natitipid ko because of the lessons I learned and whenever I do this.

Now, the reality is, most of the time, saving money is not just in how much you keep. It’s also about how much you make. So…

Your biggest financial breakthrough doesn’t happen by cutting expenses. It happens by expanding your income.

Isipin mo ‘to: the best budgeting system in the world can only do so much kung kaunti lang naman yung kaya mong i-budget. Minsan kasi hindi naman spending ‘yung problem natin kundi income talaga. So, ang pinaka-solusyon talaga ay mag-increase ka ng earning potential mo.

Matagal na tayong nasa “gig economy” pero mas booming ‘to ngayon. Pwede kang maghanap ng mga bagay na pagkakakitaan on the side kung kailangan mong kumita ng mas malaki this year.

Ang maganda pa dyan, kung meron ka nang skills na ginagamit sa trabaho mo ngayon, you can offer that skill to earn money on the side.

Here’s how to apply this concept in the real world:

Kumuha ka ng notepad at isulat mo lahat ng skills na meron ka ngayon. Kasama na dyan ‘yung mga skills na:

• Ginagamit mo sa trabaho;
• Natutunan mo sa mga organization tulad ng church, school orgs, professional orgs, at iba pa;
• Mga bagay na madali para sayo pero mahirap para sa ibang tao

‘Yan ‘yung mga pwedeng maging foundation ng side hustle na sisimulan mo.

For example, teacher ka at gusto mong kumita on the side. Pwede mong gamitin ‘yung teaching skills at communication skills mo and to help business owners earn more money. Isa dyan ‘yung pag-create ng online courses para sa mga experts. Para ka lang gumagawa ng modules for your students pero in this case, you’re helping someone else create their module.

O kaya naman BPO agent ka. Magaling kang makipag-communicate. You can use that skill to do voiceover work, financial advisor, sales, researcher, email support, and so on.

Hindi mo naman kailangang mag-spend ng sobrang daming oras para ma-build ‘yung side hustle mo. In fact, spending 1 to 2 hours per day, 6 days a week, working on your side hustle will do more than spending 5 hours one night. Consistency, hindi intensity ‘yung hinahabol natin dito.

Spend your 1 to 2 hours per day doing these:

• Learn a high income skill
• Practice that skill
• Find potential clients

Once you make more money…

Saving money is like dieting. The harder it is to cheat, the more successful you’ll be.

Kapag nag-lagay ka ng iba’t-ibang mga constraints at obstacles sa pagitan mo at no’ng perang tinatabi mo, mas mahihirapan kang mag-withdraw. At dahil mahirap i-withdraw, mahirap magastos.

Sabi ni James Clear sa Atomic Habits, one of the best ways to stop doing a certain habit is to put constraints in it. Kumbaga, mas pahirapan mo ng kaunti yung sarili mo na gawin ‘yung bagay na yun.

In this case, pahirapan mo ng kaunti yung sarili mo na i-withdraw yung perang iniipon mo. This gives you the time to think twice about making unnecessary withdrawals so you can indulge in unnecessary spending.

Kapag hassle, ‘di na natin ginagawa.

So, para magawa mo ‘yun, do’n mo ilagay yung savings mo sa isang account na hindi madaling ma-access. It could be as simple as opening a traditional bank account for your savings instead of a digital bank. O kung mas accessible ‘yung traditional bank para sayo, open a digital one.

Ilan pa sa mga halimbawa ng platforms na medyo mahirap i-access ay:

• Cooperatives
• Digital Banks
• Time Deposits
• Pag-ibig MP2

Now, I’m not saying na dapat lahat ng pera mo nandon. Keep some of your emergency funds easy to access. Tapos humanap ka ng mga pwedeng pag-lagyan nung iba na mahirap i-access.

Remember the saying? Out of sight, out of mind. Kapag hindi mo masyadong nakikita na may pera kang nakatabi, hindi mo ‘yun naiisip. And that makes saving money easier.

But all of these are useless if you don’t have a goal to tie everything together. That’s why I invite you to…

Saving money doesn’t have to be boring. Turning it into a challenge—a game that you CAN win would make it fun and exciting.

Now, the thing is, sobrang importante ng goals sa buhay natin. Ito kasi ‘yung nagbibigay ng direction satin at ito ‘yung guide natin para masabing aligned ‘yung mga ginagawa natin.

With that said, kapag may goal ka para sa savings mo, mas madali mo ‘yun magagawa. Kapag kasi nag-save lang tayo for the sake of saving, hindi natin maaabot. Bukod sa hindi tayo motivated na mag-save, wala tayong purpose na naiisip para dun sa pera na ‘yun.

By the way, if you want to learn how to save 6-figures or more in 1 year or less, I invite you to my 6-Figure Savings Challenge. Dito ko inisa-isa 'yung mga bagay na ginagawa ko para makapag-ipon ng malalaking pera per year kahit magastos ako. Just click the button below to learn more.

Halimbawa, this year, ang goal mo ay mag-ipon ng at least P100,000.00. So paano ‘yun? You break it down into months, weeks, and days. For example…

Main goal: P100,000 savings this year

Monthly savings goal: P8,333.33 per month

Weekly savings goal: P2,083.33 per week

Daily savings goal: P297.62 per day

Ang kailangan mo lang ay mag-focus sa daily savings goal na P297.62 para maabot mo ‘yung P100,000 by the end of the year. O kung gusto mong hindi ka pressured, mag-focus ka sa weekly goal ng savings mo.

Ito ‘yung ilan sa mga bagay na pwede mong gawin para ma-achieve ‘yung goal na ‘yan:

• No-Spend Weekend: Pumili ka ng 2 weekend per month na icha-challenge mo ‘yung sarili mo na hindi ka gagastos ng kahit piso. Mahirap, pero kaya nga challenge eh. Tapos ‘yung hindi mo ipanggagastos, idadagdag mo sa ipon mo.
• Side Hustle Income: Kung kulang ‘yung sweldo mo para maabot ‘yung ganyang klase ng savings per month, okay lang ‘yan. Pwede kang maghanap ng side hustle na magko-cover do’n sa kulang.
• Find Your Leaking Holes: For sure, may mga maliliit kang expenses na hindi mo napapansin. And those expenses compound. For example, mga snacks na madalas mong bilhin, ‘yung pamamasahe imbes na paglalakad lalo na kung malapit lang ‘yung pupuntahan, bisyo, at iba pa.

If you want to experience something new, you have to do something new.

Kung gusto mong ma-experience na makapag-ipon ng 6-figures this year, may mga sakripisyo kang kailangang gawin.

But the sacrifices you make today are the efforts that the future you will thank you for.

Talk soon and remember…

Just conquer today,

Jeric Timbang