💰 How I Budget Money in my 20s | My Money Rules & Accounts (Banks, Credit Cards)

💰 How I Budget Money in my 20s | My Money Rules & Accounts (Banks, Credit Cards) | Singlife PH

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Күн бұрын

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Today, we’re talking about CASH! 💰 In a previous video, I mentioned that my personal finance system has 5 components: (1) Architecture, (2) Cashflow, (3) Investments, (4) Net Worth, and the (5) Cherries. In this video, we'll dive deeper into my Cashflow System to give you guys a better understanding of how I manage my cash. I'll be sharing the four money rules that guide me in managing my finances, then I'll show you the simple budgeting system I follow as a college student. I also have A LOT of accounts because I like to experiment, so I'll talk about my bank accounts, digital banks, e-wallets, and credit cards as well!
Personal finance doesn't need to be complicated. When it comes to learning how to manage your money, it's important to find the system that works for you. This is what works for me and I'm hoping that you'll learn something from this video. Thanks for watching! 😄🍞
- My Personal Finance System (2022) • 💵 How I Manage my Mone... p
- My Old Money System (2020) • How I Manage My Financ...
💳 Apply for a Citibank Credit Card: bit.ly/3OYjZvJ
FREE MONEY FOR YOU 😉💰⬇️
🏦 Banks & E-Wallets
- Unionbank PlayEveryday: Use “UBNOW-NA0920016” to get 300 PlayPoints
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- GCash: Get ₱50 bit.ly/2ZyrLWy - sign-up, verify, and cash-in to
- PayMaya: Get Php100 when you use “2Y817PZMN84O” or sign up and verify at bit.ly/2ZzVjTs
🚀 Crypto Platforms
- Crypto.com: Get $25 in CRO when you use my code "nicolealba" or sign-up at crypto.com/app/nicolealba 😁
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💵 More Cash
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DISCLAIMER: The links above are affiliate codes/links and I may get a reward if you use them. Thanks in advance because it helps support the channel 💙
✅WHAT TO WATCH NEXT
➜ 🤑 Best High Interest Savings Account Philippines: • 🤑 Best High Interest S...
➜ How I Manage My Finances in My 20's: • How I Manage My Financ...
➜ 📈 What I Invest in as a 20-year-old College Student: • 📈 What I Invest in as ...
➜ What to do with (your future) ₱100,000: • What to do with (your ...
➜ Why I Invest in Crypto: • Why I Invest in Crypto...
➜ Personal Finance 101: • 🤑 Personal Finance 101
🍞Join our Discord Server: / discord
🍞 Get BreadFam Merch: bit.ly/shopbreadfam
🚀Subcount: 386,013
🕰TIMESTAMPS:
00:00 Intro & Overview
01:25 My 4 Money Rules
04:32 How I Budget
09:10 All my Cash Accounts
09:55 My Bank Accounts (BDO, BPI, Unionbank)
11:06 My Digital Banks (CIMB, ING, Komo, Tonik)
12:27 My E-Wallets (GCash, PayMaya, Coins.ph, GrabPay, PayPal)
12:43 My Credit Cards (BDO, BPI, Citibank + Crypto.com Visa Card)
Send this video to your homies so you guys can benefit from managing your finances together! SUBSCRIBE for more videos like this! I post one video a week and I talk about personal finance, self-development, or anything I learn or experience throughout my life as a 21-year-old.
--
🤝 Where to reach me
➜ FB & IG: @alba.nicoleee
➜ Email: alba.nicoleee@gmail.com
--
#singlifePH #LifeInsurance
💰 How I Budget Money in my 20s | My Money Rules & Accounts (Banks, E-Wallets, Credit Cards) | Singlife PH
How I Budget & Manage Cash / personal finance 101 / budgeting 101 / adulting 101 / budgeting for beginners / how I budget and manage my money in my 20s Philippines / best bank account philippines

Пікірлер: 266

@NicoleAlbaYT 2 жыл бұрын

Yo henlo guys!! It's been really hot these days so I hope you're all staying hydrated. We'll talk CASH for this video. Check out the description for links. Hopefully this helps you guys out. I'll make more videos about my money system pa!! 😄 🍞 - My Personal Finance System (2022) kzfaq.info/get/bejne/ac2DeMZ-qdm5cmij.html - My Old Money System (2020) kzfaq.info/get/bejne/hs9-n7mdq5emlH0.html

@sheilaericasamaniego7455 2 жыл бұрын

Love your style sa pag-gawa ng contents!

@feifei4242 2 жыл бұрын

hi nicole, love your content! ❤️ not sure if you've tried it, Security Bank offers an All Access Account with insurance tie-in(for free) plus you can easily create(and nickname) subaccounts which can earn high interest and serve as different wallets 😊 been using mine since 2014 and i'm satisfied

@NicoleBernadette 2 жыл бұрын

Love it!!

@carolinebitbank5552 2 жыл бұрын

Hello, I met a person who pretended to be you and contacted me, I hope you can contact me yourself

@sethm1998 11 ай бұрын

Heeey why not try opening a PNB Account?

@maroco543 2 жыл бұрын

yung 43 na ako this year and I am learning from a 21-year old is parang embarrassing na on my part but thank you Nicole, nde pa huli ang lahat for me to save. keep it up

@prinzlawrencecabanas5136 2 жыл бұрын

to think that just by watching 1 of your videos opened up a whole new world for me a 15 year old teenager who is at first trying to understand if whether I should really be saving money and whether I need to save or not. I am thankful that I came across one of your videos because it really opened up a lot of new things for me and now here I am trying to study a lot about managing money hoping to become a financially literate before i become 20. Again thank you ate nichole for popping up on my youtube and i hope too learn more from your videos in the future

@krizaninaballares1974 2 жыл бұрын

Nicole, I am 29 years old and I love that I am learning from you. I hope lahat ng 21 years old think like you. 🥰

@FocusedCat 2 жыл бұрын

I had a personal rule that helped me save money. "If I can't buy it 3 times, I can't afford it".

@m.a.l4280 2 жыл бұрын

I love how on every video you have a video outline. :)

@kimluna5175 2 жыл бұрын

We're the same age! I'm so happy to be growing and learning with you

@shadedwizard8566 Жыл бұрын

Ur channel is super helpful for people like me! Im 17 and I barely have any financial literacy or money knowledge besides saving or spending. I first saw a video of urs like a year ago and I kinda forgot since I had to study real hard but now that I have more time, Ive realised how important is to be literate in finances. Im planning to start 2 small businesses and get a credit card in less than a month so I kinda pressure myself into a "financial" environment in order to quickstart my learning process. Ur channel is truly amazing!! Keep it up!

@carlanthonydelosangeles7411 2 жыл бұрын

Thank you so much for sharing this video. ❤ We all need to manage our money properly.

@NicoleAlbaYT 2 жыл бұрын

Super important life skill!! Thanks for watching Carl 😄💙🍞

@lorenzoclemente2831 2 жыл бұрын

@@joachimmilberg2313 This is refreshing coincidence,she has been handling my trade, it’s been a year now and the experience has been amazing.

@maryperry7909 2 жыл бұрын

Most times it amazes me greatly the way I moved from an average lifestyle to earning over $140k per month…Utter shock is the word.

@flaviorighetto5753 2 жыл бұрын

I had a similar experience with Juan Antonio,my initial investment capital was $1000 but made $4200 as profit in just the first week of trade.

@ellenmirojnick4537 2 жыл бұрын

Juan Antonio Landa is a certified expert trader, I have worked with her for months, anyone who she manages his or her account is lucky indeed.

@playlistmadeforyou9856 2 жыл бұрын

Love the new look!🌟❤️

@kbabayz 2 жыл бұрын

Nice! Hoping Revolut will be available in the Philippines soon. Everything is in there! You will love it for sure.

@VictoriaEnyaAntonetteMariano Ай бұрын

Yayyy as someone who just turned 18 last April 7 and has been working since 16 who has decided to start saving and budgeting money, This is really helpful

@federicodanielcaguimbalsan1210 2 жыл бұрын

I'm 14 y/o (turning 15 this 25th) I love watching adulting videos (specially yours) because I'm preparing myself for adulting since it wasn't easy.

@dennisquitoriano8423 2 жыл бұрын

Thank you so much for this video. Hoping to see the wallet app tutorial video soon.

@christianlauronilla4108 Жыл бұрын

Love it! Watched this video 2nd time around. Last year, relate with the spreadsheet everything but now I purchased the lifetime subscription of wallet of budget bakers. New year, New monitoring. Waiting for the separate video on how you use the app.

@monsdiaries2358 2 жыл бұрын

Amazing nicole!👏👏👏

@sassyamadeo9409 2 жыл бұрын

woww besides from nourishing your financial freedom your kinda glowing narin ateee Nicole❤

@NicoleAlbaYT 2 жыл бұрын

YIE haha THANK YOU SASSY 😆 Haircut lang ito haha 😄✨🍞

@lovellaconcepjd7209 Жыл бұрын

Welcome back

@CA-hp9ir 2 жыл бұрын

Thank you so much, Nicole!

@filipinoinvestors3102 2 жыл бұрын

Thank you so much for this Video Nicole. It's amazing how you manage all your accounts :D Your tips helped me become more aware of my finances and to track down my spending. I love what you said about balance. It is important to save a lot but make sure to not deprive yourself. See you next video. :)

@ronellencabo8302 Жыл бұрын

Awesome money cashflow system manage

@mariakarinagandola3194 2 жыл бұрын

my eyes got heart when i sav the cards

@Rain-fg3xh 2 жыл бұрын

Yes please sa video for Wallet App! :D dati gamit ko din google sheet to track my expenses pero nung nagswitch ka, nagswitch din ako since mas madali mag log ng expenses haha.

@dannamadura3751 2 жыл бұрын

Nicole, please make a video update on the best ways to invest in 2022! Love your content!

@levitator45 2 жыл бұрын

I really hope one day she makes and in depth video about insurance and her experience with the insurances she uses

@lyzaperez Жыл бұрын

Might be late to watch this but your vids are so interesting! So helpful for adulthings

@tamc8295 2 жыл бұрын

Hi nicole. Thank you for the videos. I am silent viewer on your videos. I just admire you that at a young age you already know how to manage your money. I am at my 30s and i am totally the opposite of you. 😅 I learned quite a lot. Please continue to give us knowledge about these stuff. Take care always. God bless you and your family. 😊

@bryllemutia404 2 жыл бұрын

I find your mindset and intelligence so sexy haha I know it's weird. But a really big thanks for this, good to know financial perspective from others, it's enlightening. Thanks Nicole! :)

@HRKEEN 2 жыл бұрын

Hi Ms. Nicole, I am a silent viewer and learned a lot from you. Just wanna ask, anong gamit mong microphone?

@calebtorres8923 2 жыл бұрын

Okay na okay! Guys follow nyo si Madam Nicole Alba sobrang bait!!!

@kadendrueco6447 5 ай бұрын

7:22 "paying for your peace of mind (on insurance)" I love this! Discovered Nicole when I was 15 years old; now that I'm 18, I want to manage money more efficiently kaya. I'm back to watching her vids! :3

@mikeetan1055 2 жыл бұрын

Hi, Nicole! Comment ka naman I'm a huge fan kahit bihira ako magcomment lagi ako nanonood ng vids mo. Hihi thank youuu for these helpful vids

@marialynettecatigbe5010 2 жыл бұрын

Hello! I am newbie here. I don't know how I came here, but yeah, probably because I am also a college student who has been trying to save money using my scholarship allowances and as an author of a book. I find your content really interesting and I hope I could learn more from you, since I am also having a hard time to save money on my own! Keep uploading! Stay safe❤️

@maverickamborgo5947 2 жыл бұрын

Patiently waiting...😌☕

@NicoleAlbaYT 2 жыл бұрын

Nice may kape habang naghihintay haha 😄✨🍞

@jowelllabucuas454 2 жыл бұрын

Yes yes new video..

@NicoleAlbaYT 2 жыл бұрын

Yes yes Jowell may new learnings 😄✨

@vickyj4ng 2 жыл бұрын

Yay new upload! ♥

@krisabelericamonte-bautist9729 2 жыл бұрын

I enjoyer your video, thanks for the info!

@NicoleAlbaYT 2 жыл бұрын

Thank you Krisabele! 😄✨🍞

@roseychx07 2 жыл бұрын

Nice content here. Actually, sayo ko yata napanuod during the start of pandemic ung sa digital banking eh. kaya nakapagopen ako ng Unionbank and ING ko for my small business and ipon challenge. thanks for this content. :)

@judeefayearibon3730 Жыл бұрын

Hi Nicole! Thanks for sharing this. Ask ko lang sana if may video ka na din ng tutorial how to use Wallet by Budgetbakers? Nung pag search ko kasi itong video mo ang lumabas. Hopefully meron ka na hihi thanks!!

@jasonpedere6640 2 жыл бұрын

Big Help.. Thank you Kris A.

@yanidiane 2 жыл бұрын

looking forward on your vid about the wallet app thingy. i tried it before but i got intimidated with the interface and the system itself hahahaahha.

@Adultingengr 2 жыл бұрын

Yes nicole, I really want to know how you set up your expenses on Wallet, that would be very helpful.

@NicoleAlbaYT 2 жыл бұрын

Oookie! I’ll make a future video on how I use Wallet 😄✨🍞

@cindyrosereyes3095 2 жыл бұрын

@@NicoleAlbaYT wallet user here din! looking forward to it!

@carolinebitbank5552 2 жыл бұрын

great video

@sirjodah 2 жыл бұрын

Congratulations Nicole

@JemTangonan Жыл бұрын

Omg, your words hits me 'cause I really spend too much money.

@thesevens8369 2 жыл бұрын

Hi Nicole! Meron na kaming dalawa ng kapatid ko (22F & 18F) ng Budget tracker through Google Sheet. So faaar, ang helpful niya sa akin! One time, may sobrang 500 sa tracker pero hindi ko alam kung nasaan siya since hindi ko siya makita sa On the Go Wallet. Buti na lang after ilang beses ng pagiisip kung nasaan siya, nakita ko siya somewhere sa envelope. Tbh, if wala akong tracker, mawawala siya sa isip ko at ang malala 500 din yun! Thank you so much!

@carolinebitbank5552 2 жыл бұрын

love your video

@bakitakonandito4828 2 жыл бұрын

Yayyyyy 1 minute nalang

@NicoleAlbaYT 2 жыл бұрын

Thanks sa pagattend ng premiere! Sana nahanap mo reason mo kung bakit ka nandito haha 😆🍞

@Rienvincible 2 жыл бұрын

Thank you po Ate Nicole 😊💞

@NicoleAlbaYT 2 жыл бұрын

Thaaank you for watching!! 😄💙🍞

@ellebudgetsph 2 жыл бұрын

I need this right now! So confuse how to manage my finances😭

@NicoleAlbaYT 2 жыл бұрын

Hopefully nakatulong!! Thanks for watching Pamela 😄💙🍞

@hwylsoliloquy2959 2 жыл бұрын

I rarely leave comments pero i just wanna say THANK YOU SO MUCH!! Sobrang laki ng impact mo sa akin ate Nicole, you are the first person who taught me about financial literacy, mindset sa goals, and personal development! Because of u I was able to open my own bank accs, start investing, start business, and now i just landed my first internship as a college freshman. Thank you for being a good influence!! Sobraa!! Thank you for sharing your knowledge and wisdom!! Ive been watching you since my senior high days. I always recommend you to my friends. Let's get this bread. You are the bestt!! Stay safe and healthy!! Again, thankyou for existing! I have someone to look up to!

@whatsapp-373 2 жыл бұрын

Thanks for watching Hit me up there ☝️ There are profitable investment tips and patterns I'd love to show you

@ruennaramone 2 жыл бұрын

Looking forward to your Wallet App video! 💸🍞

@NicoleAlbaYT 2 жыл бұрын

Yez!! Haha I’ll work on that 😁

@davidestacio5490 2 жыл бұрын

Hi @@NicoleAlbaYT. Did you upgrade to a lifetime premium account sa wallet?

@joycecelinesantillan7005 2 жыл бұрын

@@NicoleAlbaYT is it safe to connect my bank accounts on wallet app?

@bencelbench09myofficialpag71 2 жыл бұрын

yes I am new be here ma'am hello po 🤗🤗🤗 good teaching

@galatea___ 2 жыл бұрын

Heard a new neobank named UNO would soon have their launch. Looking forward to see if you'll check them out and hear your honest review. No pressure tho. Love your videos 💖

@joannecruz5289 2 жыл бұрын

Uwu 🥺 I'm actually looking forward on uno bank. I heard they have a good interface.

@chanikaanjafullon1191 2 жыл бұрын

Hi Nicole! I know you have exams, but if you have time, I want to request a video sana on the effects of consistent economic decline on our savings, investments (mp2 (especially) , stocks, etc). I'm digging up on it too but your thoughts would be v helpful. Thank you!

@9roundkid 2 жыл бұрын

Idol na talaga kita...

@user-gt3xp4il8s 2 жыл бұрын

For profitable investment👆

@abdur_rohim1983 2 жыл бұрын

Thank you for share about investing salam from Indonesian

@coclegendz7681 2 жыл бұрын

Thanks!

@kenvscope 2 жыл бұрын

maybe include tutorials on taxes here in ph too. just a suggestion. thank you.

@aeronx3772 2 жыл бұрын

bpi preffered? sana ol po hahaha 😆. Manifesting! 💫

@user-gt3xp4il8s 2 жыл бұрын

Hi,

@edwardantolin105 Жыл бұрын

Been using SeaBank. 5% p.a 😊 Must try😁

@leonardturiano Жыл бұрын

Thankyou

@mutocmarcog.6178 2 жыл бұрын

andaming cards and accounts hahaha. napaka-informative

@user-gt3xp4il8s 2 жыл бұрын

For profitable investment👆,

@jeremyterrence 2 жыл бұрын

OMG ANG DETAILED. Thank goodness I found your channel! 💚

@kissesVlogs17 2 жыл бұрын

Love the content but is it wrong for me to love the memes you insert in your vid even more? 🤣❤️

@NicoleAlbaYT 2 жыл бұрын

Not wrong at all HAHAH 😆 Ang daming memes and gifs ko nang nadownload and kahit ako natatawa din minsan 😁

@edelestranero9590 2 жыл бұрын

I also tried having multiple accounts for my specific purposes but based on my experience the downside is the savings part. Parang you have to save a lot in order to at least put into each of your accounts to the point sometimes I get frustrated if di ako nakahulog sa isa coz I need to make ends meet. Btw can you pls do a remake video of your paymaya cashless terminal? I'm interested kaso ang daming paperworks to submit😩.

@strongsuccessfulweeb1400 2 жыл бұрын

hi Niks was a long time subscriber shout out from Naga, Cebu. I really like your simple honest beauty :D but can you cover VULs? or Variable Life Insurances. Thank you

@heisenberg9335 2 жыл бұрын

I just want to live my life 🧠🤯

@reginamariano7019 Жыл бұрын

Hi mam nicole , Im a fan here almost of your video siguro po napanood ko po Hopely you can make a video regarding how to use / features or WALLET App I hope you can consider it Thank you so much in advance

@chickadora2179 2 жыл бұрын

And am only earning approximately 10k hahha. But thanks to videos like this maybe I'll think of making my source of income bigger. Need na kasi 😬

@fleurasmr6620 2 жыл бұрын

Hiiii, I've been watching your videos, I really like your content. I hope you can do videos regarding how we should pay or the process in paying the taxes of the gains of investments. Been wanting to invest for a long time, but I'm afraid hassle yung process ng pag pay ng tax because I also have work.

@jbbautista3623 2 жыл бұрын

I am here again. Hihi

@NicoleAlbaYT 2 жыл бұрын

YES new dp ba? HAHA hi JB!! 😄✨🍞

@KenoPotato01 2 жыл бұрын

you're so slim na Nicole!!!

@gideonplays8687 2 жыл бұрын

Yaman ko na sana, nagising lang kaya napadpad ako dito

@alenabarros 2 жыл бұрын

I love Singlife. It has no agents!!!!!

@erikacolecaluntad1791 2 жыл бұрын

Next video, how you use Union Bank for Bitcoin.

@lirasalas2 2 жыл бұрын

i need this rn, I've been overspending 😢

@lememoireee458 2 жыл бұрын

Can't believe you're just 21 :')

@oriellecasino8153 2 жыл бұрын

Silent viewers here, i really like young generation talking abount money financially

@Karma03316 2 жыл бұрын

PA REQUEST PO. GAWA PO SANA KAYO NG VIDEO ABOUT ( STOK MARKET) . THANK YOU IN ADVANCE 😊😊😊😊😊 SANA MA PANSIN.

@NicoleAlbaYT 2 жыл бұрын

Sige will keep this in mind para sa mga future videos 😄

@renyelromanillos2295 2 жыл бұрын

Hi po, can u make a video of how you manage your time hahaha. I feel like ang dami² mong ginagawa pero kayang-kaya mo parin gawin yung mga gusto mo. And what time do you usually sleep po? Hahaha matagal ko na po pinapanood mga videos mo at marami akong natutunan, I wanna change my mindset kagaya ng sayo po pero ang hirap hahahaha minsan i get distracted kase.

@user-gt3xp4il8s 2 жыл бұрын

Hi..

@nikorr3568 2 жыл бұрын

Thank you for the video po! Do you have an update budget financial tracker in spreadsheet po for 2022?

@francislorenzodiaz 2 жыл бұрын

Wallet by Budgetbakers video plss!

@mrskathville Жыл бұрын

I agree, insurance should not be used as a tool to build wealth.👍🏻

@reinreincrypto918 2 жыл бұрын

Hello Nicole! Wanna ask about your thoughts sa Maya?

@jrb1737 2 жыл бұрын

bagay sayo haircut mo. stay safe always.

@NicoleAlbaYT 2 жыл бұрын

Haha thank you!!!! 😁

@luispaoloagbisit0521 2 жыл бұрын

hi nicole! gawa ka nman video paano mg invest sa crypto

@ChiefJeyEf 2 жыл бұрын

Hi Nicole! Anong credit card gamit mo to cash in sa grab pay? I tried it with Citibank pero hindi nila ina-allow yung cash in sa grab pay via pay all.

@elyakristinacanapi7274 2 жыл бұрын

❤️

@shanmuganathanm2384 2 жыл бұрын

I'm wondering 1. being a student, why do you need a "legal & taxes" spend? 🤔 2. How do u carry all those cards when going out?😅 Anyways again for your vibe, ❤️ from India, Nicole!

@NicoleAlbaYT 2 жыл бұрын

Hi Shaan you’re back!! Thanks for watching hehe 😄 To answer your questions: 1. Even though I’m still a student, I’m already earning income from making youtube videos. So, I’m legally required to file and pay taxes on my earnings 😄 2. I DON’T carry all these cards HAHA 😆 I only carry my credit cards, one debit card, and my ID’s.

@shanmuganathanm2384 2 жыл бұрын

@@NicoleAlbaYT super glad that u remember my name 🤠🤩 Also pls make a video on term and health insurances as I'd like to know how they function over ur region..

@kewl800i 2 жыл бұрын

@@NicoleAlbaYT How do you file and pay taxes? I think this is a great topic that you can also discuss in your future videos! More power, crush este Nicole! Haha.

@fleurasmr6620 2 жыл бұрын

@@NicoleAlbaYT Hi Nicole! Related to this topic, I hope you can make content on the process of paying the taxes of your income including the gains of your investment. I've been wanting to invest in a very long time, but I'm having second thoughts because I'm thinking it's hassle. I have a job, the company does the tax return for me. I hope you can read this! Thanks a lot for all your great contents!