Why that ipon challenge all over your feed might be worth trying

People who join trending ipon challenges on social media may be drawn by shared experiences and may want to be part of a group. At dahil sa structure and simplicity ng maraming trending challenges, madali silang sundan.

People who have shared their positive experiences also encourage others to participate.

Many trending money-saving challenges possibly work because they simplify goals, add social accountability, and make saving feel like a game. These help build yung habit ng pag-iipon and discipline sa finances in a fun way.

After setting up a budget and identifying your goals, baka ang mga money-saving challenges ang next push na kailangan mo to help you achieve financial milestones.

Here are some trending ipon challenges sa iba’t-ibang social media platforms: 

• 100 envelope challenge – This challenge is usually set for 100 days. You will label 100 envelopes from 1 to 100. Kada araw, maglalagay ka ng amount ng pera na naayon sa bilang na nasa envelope (ex. PHP 1 sa envelope #1, PHP 2, sa envelope #2, and so on) hanggang sa matapos mo ang 100 days. You can earn as much as PHP 5,050 in 100 days! 
  
  
  
  
• 52-week challenge – A similar challenge is the 52-week challenge wherein you will set aside an incrementally increasing amount every week (e.g., PHP 50 on week #1, PHP 100 on week #2, PHP 150 on week #3, and so on). Kung nag-start ka ng PHP 50 sa week 1 mo, maaring maka-save ka ng PHP 68,900 after 52 weeks. 
  
  
  
  
• No-spend challenge – The no-spend challenge has many variations, but the core concept is magko-commit ka na hindi gagastos sa isang specific na araw sa isang lingo, or several days a month. Some variations will have you avoid spending on shopping and focusing only on paying bills or groceries.
  
  Hindi mo man makikita agad how much ang na-save mo, ang benefit sa challenge na ito ay makokontrol mo ang gastos mo.
  
  
  
  
• Pantry and refrigerator challenge – Sa challenge na ito, imbes na bumili ka ng lunch or dinner sa labas, mag-prepare ka na lang ng kung and ang ang nasa sa ref mo. 
  
  Kahit naka-ref, pwedeng masayang ang food kung ito’y hindi nakakain agad. By consuming what you already have, you lessen food wastage and, ultimately, also save money. 
  
  

Trending challenges are fun lalo na sa panahon ngayon na pwedeng ma-share sa social media ang iyong progress at achievements. Dahil simple at time-bound ang karamihan sa mga trending ipon challenges, pwedeng makatulong ito para maumpisahan mo ang pag-save.

When participating in trending ipon challenges, tandaan lang na pwede mong ma-adjust ang rules para mag-fit sa pangagailangan mo. These challenges only serve as motivators and guides to what you ultimately want to achieve! 

Are you interested in starting a fun saving activity? You may check out more ipon challenges here!

Learn more financial lessons in our free Earnest e-book. You can also follow @earnestph on Instagram and TikTok.  

Disclaimer: This article is for general information purposes and does not constitute formal financial advice. Always do further research before making financial decisions and seek professional advice from a certified personal finance counselor. For more information, read the Earnest disclaimer here.