Nagsisisi ka na ba sa mga ginastos mo last Christmas at New Year? Ayos lang ‘yan because you have a whole new year to replenish your depleted savings. And luckily for you, maraming paraan para makapag-ipon ngayong taon na hindi mabigat sa ‘yong budget.

Here are some creative ipon challenges that you can start today to help you achieve your money goals this year.

For more finance tips, visit Moneymax.