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Tag Archives: financial literacy

The Problem with ‘Ipit Mentality’: Why We Always Borrow Instead of Save

Posted on September 8, 2025 by Kuya Well

Filipinos are known for being resilient. Kahit gaano kahirap ang buhay, we always find a way to survive. But one of the biggest financial habits that keeps many of us from moving forward is what I call the “Ipit Mentality”—the … Continue reading →

Posted in Investment and Finance | Tagged borrowing vs saving, debt trap, Filipino financial problems, Filipino money mindset, financial literacy, ipit mentality, personal finance philippines, Pinoy saving habits, utang culture | Leave a reply

Why Filipinos Struggle with Saving and How to Overcome

Posted on February 17, 2023 by Kuya Well

As discussed in a previous post, savings are crucial because they allow you to build a financial cushion for emergencies, such as job loss or unexpected expenses. In addition, saving can help you achieve your long-term financial goals, such as … Continue reading →

Posted in Posts | Tagged debt management, emergency fund, finance, financial literacy, investing, personal finance, Posts, saving, savings | Leave a reply