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Why needs come before wants?BEYONDTHE PRICE TAGLUHO O LAMAN-TIYAN?
Sa mundong puno ng uso, impluwensiya ng social media, at materyal na paghahangad, mahalagang matutunan nating unahin ang mga pangunahing pangangailangan kaysa sa mga luho upang makagawa ng mas matalinong desisyon sa paggastos. Ang maingat na pagbabadyet, pagtitipid, at pag-iimpok ng pera ay nakatutulong upang matugunan ang pang-araw-araw na pangangailangan at makapaghanda para sa mga hindi inaasahang gastusin sa hinaharap. Ipinapaalala ng ating mga pagpapahalagang Pilipino, tulad ng pagmamahal sa pamilya, pagtitipid, at bayanihan, na ang tunay na yaman ay hindi nasusukat sa presyo o dami ng mga bagay na pag-aari natin, kundi sa pagmamahalan at pagkakaisa. Sa pamamagitan ng pagiging responsable sa paggamit ng pera at kusang pagtulong sa mga taong nangangailangan, naipapakita natin ang malasakit sa kapwa at ang kahalagahan ng pagbabahagi ng ating mga biyaya. Sa huli, mas mahalaga ang pagkaing nasa ating hapag, kaligayahan at kaligtasan ng ating pamilya, at kabutihang naibabahagi natin sa iba kaysa sa anumang mamahaling bagay na panandalian lamang ang saya.FILIPINO PABALAT AT MENSAHE MensaheMensaheMensahe
In a world where trends spread quickly and everyone seems to have something new, it can be hard to tell what we truly need from what we simply want. Follow a young Filipino child as a simple family moment turns into a lesson about spending wisely, appreciating what we have, and choosing what truly matters.
Mga apo, merienda na! Halika na rito.Yehey! Favorite ko ’to, Lola!Wow! Gusto ko rin ng ganyan!Guys, look! New phone ko! Ang ganda, ‘di ba?Ma, Pa, puwede po ba akong mag-new phone? Halos lahat ng classmates ko meron na!Pero anak, gumagana pa naman nang maayos ang phone mo, 'di ba?SCHOOL EXPENSESMay groceries pa tayong bibilhin, bills na babayaran, at school expenses mo, anak.Ay oo nga po pala... marami pa kaming kailangang unahin.FAMILY BUDGETGROCERIESBILLSLIMITED-TIME SALE! BUY NOW! Sayang naman kung hindi ko bibilhin ngayon... baka maubusan pa ako!Gustoko,Kailangankoba?
Unang unahin ang importante.Kung bibilhin natin 'yan ngayon, baka kulangin ang budget natin para sa mas importanteng bagay.EdukasyonIponHindi ko po naisip 'yon...Family BudgetKuryentePagkainTubigIponAnak, gusto mo ba talaga, o gusto mo lang dahil meron sila?Tandaan mo, hindi lahat ng gusto natin ay kailangan natin.Nagdesisyon ang bata na mag-ipon muna.Mag-iipon na lang po muna ako! Bago ako bumili, pag-iisipan ko muna kung kailangan ko talaga.Ipon koIpon ko para sapara sa kinabukasankinabukasan Ipon ko para sa kinabukasanTara, sungka tayo! Ikaw ang kalaban ko!Game! Ang saya pala kahit walang bagong gadget!FAMILY BUDGET PLAN1PON PANGANGAILANGAN TULONG SA IBADonationsKapag marunong tayong mag- budget, makakapag-ipon tayo at may maitutulong pa tayo sa ibang nangangailangan.Gets ko na po! Hindi lahat ng gusto natin ang dapat unahin.IponKUNG HINDI NATIN KAYANG BILHIN ANG LAHAT NGKUNG HINDI NATIN KAYANG BILHIN ANG LAHAT NG GUSTO NATIN, PAANO NATIN MALALAMAN KUNGGUSTO NATIN, PAANO NATIN MALALAMAN KUNG ANO TALAGA ANG DAPAT UNAHIN?ANO TALAGA ANG DAPAT UNAHIN? KUNG HINDI NATIN KAYANG BILHIN ANG LAHAT NG GUSTO NATIN, PAANO NATIN MALALAMAN KUNG ANO TALAGA ANG DAPAT UNAHIN?
First, prioritizing needs protects families from financial hardship. According to the Philippine Statistics Authority’s (PSA) 2025 Family Income and Expenditure Survey, average annual family expenditure reached ₱321,850. Food and non-alcoholic beverages accounted for 33.3% of spending, while housing and utilities accounted for another 21.6%. Although these national figures do not prove that families are overspending, they demonstrate how much everyday necessities can cost. Imagine a family choosing between a new phone and paying its electricity bill. Would the phone still be worth it if buying it meant delaying an essential payment? A want can wait, a basic need often cannot. (Philippine Statistics Authority, 2026)33.3%21.6%Food and non-alcoholic beveragesHousing and utilities Second, understanding demand helps consumers resist trends and marketing pressure. In economics, demand refers to consumers’ willingness and ability to buy a product at a given price. A 2025 study involving 345 university students in Cebu City found a positive relationship between TikTok exposure and buying behavior, including impulse buying. Although this does not prove that TikTok directly causes every purchase, it highlights how online content relates to consumer choices. Consider three situations: a student replaces a perfectly working phone because classmates have the newest model; another buys viral branded shoes despite already owning a suitable pair; and someone orders unnecessary accessories during a flash sale out of fear of missing out. If a product is popular, does that automatically make it valuable? BEYOND THE PRICE TAG: LUHO O LAMAN-TIYAN? NEEDS BEFORE WANTSARGUMENTATIVE ESSAY What is the point of owning the latest phone if you cannot afford the things you need to live? In a world where trends change overnight and expensive brands often attract attention, it is easy to mistake wanting more for needing more. Social media, advertisements, and peer pressure can make people feel that they must own the newest gadgets or wear popular brands just to fit in. But when luxuries take priority over food, electricity, and education, are we spending wisely or simply paying the price of keeping up? Although wants can bring happiness and comfort, needs should always come first because they protect financial stability, encourage wiser decisions, and allow us to care for others and our communities. After all, the true value of money lies not in what it can buy, but in how wisely we choose to spend it. Have we saved money if a sale makes us buy something we never needed? Before purchasing, we should ask whether we genuinely need the item or simply want to follow a trend. (Narsico et al., 2025; OpenStax, 2023)
NEEDS BEFORE WANTSThird, responsible spending requires planning, self-discipline, and stewardship. The Bangko Sentral ng Pilipinas provides financial education resources that encourage informed financial decisions. One practical approach is the 50–30–10–10 budgeting guide: 50% for needs, 30% for wants, 10% for savings, and 10% for gift-giving or helping others. For example, someone budgeting ₱1,000 could allocate ₱500 for necessities, ₱300 for wants, ₱100 for savings, and ₱100 for giving. This is a suggested guide, not an official government rule; if essential expenses require more than 50%, needs should come first and the other allocations should be adjusted. What happens when we spend today without thinking about tomorrow? Will we still have enough for school expenses or an emergency? Being able to buy something does not always mean it is wise to buy it. (Bangko Sentral ng Pilipinas, n.d.) THE 50–30–10–10 BUDGET GUIDEBEYONDTHE PRICE TAG:LUHO O LAMAN-TIYAN? Responsible choices involve how we use technology and spend free time. Physical toys, board games, and traditional Filipino games like sungka and patintero offer hands-on play and face-to- face interaction. Phones can be useful for learning and communication, but they shouldn't fill every free moment. Many countries have introduced restrictions on students' phone use at school. Brazil passed a 2025 law limiting personal devices during classes and breaks, with exceptions for educational and emergency needs. A 2026 European Commission report documented phone- restriction policies across the EU, reflecting concerns about distraction and student well-being. If schools are reconsidering phone use, shouldn't families also think about when screens are helpful and when play, reading, or time together might be better? The goal is not to reject technology but to use it purposefully instead of letting it replace other valuable experiences. Wise spending reflects Filipino values pagtitipid, pagmamahal sa pamilya, bayanihan, and malasakit. The World Giving Report 2025 shows 78% of Filipinos give money, while 28% volunteer beyond their circle. Generosity isn't about big donations, students can share supplies, join clean-ups, or help distribute relief goods. Families can back local initiatives if possible. At home, sharing meals, playing games, and listening to stories strengthen bonds without costly purchases. Does helping always need money? Sometimes, time, skills, and thoughtful choices are just as valuable.50% — Needs30% — Wants10% — Savings10% — Giving
Of course, wants matter, too. A new gadget can be enjoyable, a special meal can bring a family together, and pasalubong or birthday gifts can express affection. Research published in the Journal of Experimental Social Psychology found that experiential purchases, such as activities and outings, were associated with greater momentary happiness than material purchases in the studies conducted. This suggests that spending can have emotional value, especially when it creates meaningful experiences. Does putting needs first mean giving up every little pleasure? Not at all. We can save for things we genuinely want, celebrate within our budgets, and enjoy life without neglecting essential expenses. We do not have to give up every want we simply have to stop treating wants as more important than needs. (Kumar, Killingsworth, & Gilovich, 2020) Ultimately, needs should come before wants because they protect financial stability, strengthen decision-making, and help us become responsible members of society. Economic evidence shows the importance of managing household expenses, while research on consumer behavior highlights how trends can influence purchases. Financial planning, purposeful technology use, Filipino values, and Christian teachings all remind us to make thoughtful choices that benefit ourselves without disregarding others. The next time a tempting product appears on your screen, pause and ask yourself. Can I afford this without sacrificing something more important? Am I buying it because I need it or because everyone else has it? Could my money, time, or skills help someone else, too? Prioritize essentials, plan your spending, save when possible, and give within your means. Make time for family, choose meaningful activities, and use technology responsibly. Trends will fade, and gadgets will be replaced, but the effects of our choices can last much longer. Money is a tool to help us live, care for others, and build a better community, not a reason to forget what living is all about.BEYONDTHE PRICE TAG:LUHO O LAMAN-TIYAN?NEEDS BEFORE WANTS Christian teaching reinforces these principles. In Luke 12:15, Jesus warns against greed, reminding us that life does not consist in an abundance of possessions (New International Version). Christian values such as prudence, temperance, and stewardship encourage us to think before buying, practice self-control, and use our resources responsibly. Prudence helps us distinguish between what we need and what we merely desire; temperance reminds us not to let our wants control us; and stewardship encourages us to use what we have wisely and help others when we are able. If our possessions do not define our worth, why do we sometimes allow brands and trends to determine how successful we feel? Our money should serve our responsibilities and values—not control them. (Luke 12:15, NIV) Luke 12:15 “Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions"
Bangko Sentral ng Pilipinas. Financial Education Learning Modules.https://www.bsp.gov.ph/Pages/InclusiveFinance/FinancialEducationL earningModules.aspx European Commission. (2026). Mobile Phone Bans in Schools Across the EU.https://education-socioeconomic- experts.ec.europa.eu/publications/analytical-reports/mobile-phone-bans- schools-across-eu_en Kumar, A., Killingsworth, M. A., & Gilovich, T. (2020). Waiting for Merlot: Anticipatory Consumption of Experiential and Material Purchases. Journal of Experimental Social Psychology, 88, 103971.https://doi.org/10.1016/j.jesp.2019.103971 Library of Congress. (2025, February 13). Brazil: New Law Prohibits Cell Phone Use in Schools.https://www.loc.gov/item/global-legal-monitor/2025- 02-13/brazil-new-law-prohibits-cell-phone-use-in-schools/ OpenStax. Principles of Economics 3e: Demand, Supply, and Equilibrium in Markets for Goods and Services.https://openstax.org/books/principles-of- economics-3e/pages/3-1-demand-supply-and-equilibrium-in-markets-for- goods-and-services Philippine Statistics Authority. (2026). 2025 Family Income and Expenditure Survey.https://psa.gov.ph/statistics/income- expenditure/fies/node/1684084083 The Holy Bible, New International Version. Luke 12:15.https://www.biblegateway.com/passage/? search=Luke+12%3A15&version=NIV World Giving Report. (2025). Philippines.https://www.worldgivingreport.org/partners/philippines Narsico et al. (2025). TikTok-Driven Buying Patterns: A Study of Consumer Behavior among University Students in the Philippines. International Journal of Multidisciplinary: Applied Business and Education Research.https://ijmaberjournal.org/index.php/ijmaber/article/view/2874ResourcesResourcesResources
“You don't have to have everything to appreciate what you already have.”A GENTLE REMINDER:CREATED BY GROUP 5: HAEZY RICKS ESTANOL MARCUS ENZO ALVAREZ JAMELLA LANDICHO