HOW I MANAGE MY PERSONAL FINANCES | HOW I TRACK MY EXPENSES

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HOW I MANAGE MY PERSONAL FINANCES | HOW I TRACK MY EXPENSES | Banks, Cards, Trackers, Spreadsheets

Рет қаралды 87,944

Күн бұрын

Managing your finances in your 20s can be tricky! Even if a personal finance system is yours and fully customizable, I hope this video helps and gives you an idea on how you can possibly organize and track your finances.
Dealing with personal finances, especially since it’s not taught in school can be quite hard and confusing. I hope this video and this channel will help you out in the challenges we are facing right now with personal finance, entrepreneurship and adulting in general.
►Outline :
0:00 - Intro & Features
0:41 - Start of Video
1:00 - Outline
1:35 - My Savings Accounts
8:06 - My Credit Cards
9:45 - My Wallets/E-wallets
11:40 - How I Track
18:06 - Final Thoughts
► Download the apps mentioned
•ING - ing.com.ph/home (Use with shopback!)
•CIMB - www.cimbbank.c...
•PAYMAYA - Get p50: p85qk.app.goo.... // code : 42625QML56P0
•GCASH - Get p70 worth: gcsh.app/r/oNE...
•MONEFY - www.monefy.me/
•Budgeting TEMPLATE (pinned on group) - / ready2adultph
•ShopBack - Get P100!: app.shopback.c...
•Apply for a UnionBank Credit Card 💳 bit.ly/UBPRewards
► Previous Videos :
DIGITAL BANKS/HIGH INTEREST SAVINGS ACCTS ► • HIGH INTEREST SAVINGS ...
WHAT’S IN MY WALLET + MY CREDIT CARDS ► • WHAT’S IN MY WALLET 20...
CREDIT CARDS FOR BEGINNERS ► • CREDIT CARD FOR BEGINN...
TOP APPS THAT HELP YOU SAVE MONEY ► • TOP APPS THAT HELP YOU...
► Mentioned Videos/Links
Nicole Alba’s Personal Finance System ► • How I Manage My Financ...
Matt D’Avella’s Personal Finance System ► • How I manage my person...
Maven&Money’s Net Worth ► • Video
Bacon Cebu ► / baconcebu
R2Aph Group ► / ready2adultph
►Socials
Instagram: / deleoncharmaine
Instagram: / ready2adultph
Facebook Page: / ready2adultph
Facebook Group : www.facebook.c...
Email: hello@ready2adultph.com
www.youtube.co...
► Music Credit: DJ Quads
Track Name: “IT’S NEAR”
Music by: Dj Quads @ / aka-dj-quads
Official KZfaq Channel HERE: / channel
Disclaimer:
This video and description contains affiliate links where I may or may not receive a commission. This helps support the channel and allows me to continue to make videos such as this. I am not a financial advisor. Always do your due diligence.
KEYWORDS:
High interest savings accounts, apps for managing money, finance app ph, managing my finances, ING ph, CIMB Bank, adulting 101, money saving apps, Personal finance 101, Savings account ph, how i manage my finances in my 20s, personal finance system, expense tracking spreadsheet, how many bank accounts should i have, how i manage my money philippines, how to track my expenses, how to manage your money 2021, money tracker, debit card ph, unionbank, citibank, bdo savings, paymaya, gcash, personal finance millennials, money management, personal finance, ready2adult ph, charm de leon

Пікірлер: 195

@futuremillionaire5680 3 жыл бұрын

Finally a young filipina with a plan in life💖

@tikitikiforeverandever 3 жыл бұрын

thanks! i am already 30 y/o but i really learn a lot from younger people like you and nicole. kudos to you! looking forward to more contents like this :)

@kathleenmaraysalting543 3 жыл бұрын

For this Holiday, i will study and plan for my personal finance.

@CharmdeLeon 3 жыл бұрын

❤️❤️❤️

@jenamarienubla6714 3 жыл бұрын

How I really wish this and financial wellness is taught in school. Our country would probably be a little bit better if we were trained to handle money better.

@CharmdeLeon 3 жыл бұрын

Yes! Financial literacy should really be part of our basic curriculum

@hannamariechan6665 3 жыл бұрын

Oh my i think so too☹️ this thing how to manage finances should really have taught in school

@peterestevanez4258 3 жыл бұрын

This is how I explain my personal finances to my friends, wow! Each account/credit card/e-wallet has its own purpose. I can't believe we even use the same planner for the journal. It is therapeutic when doodling things down, right? Before I had a tickler notebook to list down all of my expenses for the day. Now, I use excel to keep things more organized and for easier computation. I still keep the journal for an overview of everything. And having a net worth spreadsheet is pretty amazing. I'm so happy to have seen this. Keep up the great work!

@CharmdeLeon 3 жыл бұрын

Yes! I use spreadsheets for everything but it looks nice also on the planner! Haha 💕

@peterestevanez4258 3 жыл бұрын

Also, my decision to be more meticulous about finances began when I watched Matt D'Avella's video (Simple Steps to Financial Freedom). Wala lang. Nakakatuwa lang na we share so much in common.

@CharmdeLeon 3 жыл бұрын

@@peterestevanez4258 yes I mentioned here na I got inspired by his video that’s why I did this!

@peterestevanez4258 3 жыл бұрын

@@CharmdeLeon you basically covered everything. kaya nakakatuwa lang and nakakainspire.

@ainahe5704 3 жыл бұрын

I discovered your account when I was researching about getting credit cards, now you've got me hooked and inspired to better manage my money. This is something I hoped that was taught in school, very essential topics. Thank you and keep on producing these kinds of videos to help other young adults like me. :)

@CharmdeLeon 3 жыл бұрын

🙏🏻☺️❣️

@nfie6652 2 жыл бұрын

I wish I had found your channel sooner!! You inspire me to manage my finances better. Thank you for sharing your knowledge to us 💖

@lemon_q 3 жыл бұрын

I love this! I really appreciate your videos thank you!! I just started formally monitoring my finances last year 2020. I thought it would be tiresome to always track your expenses but it has been really insightful to learn where your money goes. I want to try to adopt your spreadsheet as I have recently been hating my spreadsheet format hehe. Kudos!!!

@icesummer1725 3 жыл бұрын

nice on the networth. I was waiting for that. I thought you only track your expenses. The networth spreadsheet is what will really inspire you to do more as you can see your network everymonth increasing and which investments or business are giving you more money :) I wish all young professionals are like you

@clarisajoy9136 3 жыл бұрын

Great video, Ms. Charm! This is the kind of contect I'm looking nowadays as I want to know where I want to go with my money but thinks I need to settle something first

@regulareuropeaninvestor2154 3 жыл бұрын

I am from Europe, but still finding your channel useful. Thanks for sharing your personal finance system.

@NOLZWINS 3 жыл бұрын

Its really cool to find other Filipino creators out here also making finance based content! I really appreciate your content and am super glad that you are sharing finance knowledge with people who are young. Great work and keep it up!

@CharmdeLeon 3 жыл бұрын

Thank you 🤗

@czeed8991 3 жыл бұрын

Thank u for financially guiding us, you are like a sister I never had! Thank you, and hope u get well!❤

@CharmdeLeon 3 жыл бұрын

Czee D thank you! Definitely feeling better now! 💕

@minhyunator 3 жыл бұрын

Thanks for introducing Monefy!! Super convenient and easy to track my expenses. Will download your tracker to really up my finance tracking!

@riazami88 3 жыл бұрын

Am 29 and gonna start my spreadsheet tomorrow morning... inspired by these young people..😊❤

@CharmdeLeon 3 жыл бұрын

I’m turning 28 haha magkalapit lang tayo ☺️

@analizaescasinas6036 2 жыл бұрын

Thank you so much for this informative video. I do tracking my expenses but a bit mess. You gave me an idea especially about the spreadsheet. 😍😘

@mariacristinadulay6492 3 жыл бұрын

I want to learn doing the spreadsheets thing. Thank you bec all your contents truly add value. Every video gives me new learnings, big or small.

@redandasmarinas1538 3 жыл бұрын

Hi, I Admire your Advocacy in Educating young adults and young professionals, especially on financial management from Cebu. hopefully, I can join your Facebook page and upload the tracking Budget Template. Thank you for the help.

@miasaud-lim1150 3 жыл бұрын

Interesting! Good job! Be careful of your security tho, social media dangers u know, but this is a nice vid!

@notyourfather4382 3 жыл бұрын

Hello, Charm! I like watching your videos because they never fail to be informative. May I suggest you make a video about obtaining valid ID's in the Philippines? I think a lot of young adults are still confused by it now including me. Thank you!

@CharmdeLeon 3 жыл бұрын

Alelee Alvarez yes! I’ve actually been wanting to make this video! Thank you for the prompt 💕

@maicojuangco4663 3 жыл бұрын

I agree to this!!

@stocksmarts_ 3 жыл бұрын

Great video!

@CharmdeLeon 3 жыл бұрын

Thanks, sir Marvin! ☺️

@stocksmarts_ 3 жыл бұрын

@@CharmdeLeon keep on pushing

@stocksmarts_ 3 жыл бұрын

@@CharmdeLeon dm me in IG please!

@alwynslowly 3 жыл бұрын

Thanks for this miss charm! Took me out taga Cebu raka 😂. Still new to your channel, but so far pinaka doable imo financial advices. Keep it going!

@mostly-posting-comments1515 3 жыл бұрын

I've had my spending tracker app since college. As an adult it's gotten more complicated to get a good overview of my finance bc my investments/e-wallets don't necessarily fall into the app categories I want to. Ang daming sub categories. I think it's time I make my own spreadsheet 😅

@CharmdeLeon 3 жыл бұрын

mostly-posting-comments yesss! I love the app I’m using but I really still prefer spreadsheets 😅

@dailycami 3 жыл бұрын

Omg sample spreadsheet is life! Hoping to be approved sa group. 🙏🏻♥️

@CharmdeLeon 3 жыл бұрын

Hello Camille Pallera done! ☺️

@MonalynAndayaDelaPena 3 жыл бұрын

What a great video while the year just started. Thanks for making this video. I love your videos.

@CharmdeLeon 3 жыл бұрын

Thank you! 🤗 ✌🏻

@maicojuangco4663 3 жыл бұрын

Business tips & advice please! Like the conceptualize/project management part. Been wanting to start one but I'm scared kahit small business lang. I feel like i have a lot of changing mindsets to do. 😅

@CharmdeLeon 3 жыл бұрын

Mylene Ivy Cojuangco i shared my process here! kzfaq.info/get/bejne/ma2okq5kyNOteJs.html I really go through that process each business I start ☺️

@camelamoya3624 3 жыл бұрын

My dream CC 🥰

@fumithecat0728 3 жыл бұрын

great way to start my 2021! thanks for sharing this! :)

@razelanncuriba7023 3 жыл бұрын

it's interesting! It made me curious, and eager to learn about personal finances 😊😉

@CharmdeLeon 3 жыл бұрын

I’m glad!!

@halfasianyeah 3 жыл бұрын

So close to 5k!!! Gooooo Charm and thank u for this vid! 💞

@CharmdeLeon 3 жыл бұрын

Anna Sanders thanks, Ann! 💕 lageee almost na

@debtfreeF 3 жыл бұрын

I'd like to bullet journal but I don't think I can make it as aesthetically nice as I'd want it to haha I use Excel to track my expenses. Great video!

@CharmdeLeon 3 жыл бұрын

France - Personal Finance & Student Loan Debt Mine is mot aesthetically pleasing at all!! 😂 it’s so boring but I love how it’s built for me and my needs ☺️ Fully customizable

@manuelgenarodeluna5470 3 жыл бұрын

I've been watching your videos since 4am today. Gosh. You're so good, Charm! Love it. Definitely checking out your template kasi the one I have right now isn't working for me haha.

@lyzachua23 3 жыл бұрын

Hello Achi Charm❤️. You really inspired me on how I track my finances and all adulting stuff😘

@CharmdeLeon 3 жыл бұрын

Yay! I’m so glad 💕🙌🏻

@lovelysanchezofficial7818 3 жыл бұрын

Nice it is very important that we know how we track our expenses and budget

@criselleeaquino8867 3 жыл бұрын

Gusto ko din gawin yung net worth! I feel like accounting lang ito nung nag aaral pa ko💖

@catherinecollantes2173 3 жыл бұрын

Thank you for this one! Helps a lot. Want ko din maraming card 😳

@CharmdeLeon 3 жыл бұрын

As long as paid lahat in full every month, go go!

@dongbarias6439 3 жыл бұрын

I'm learning to become a responsible adult by watching your videos 🙂 In relation to pdic insurance, do you think it's recommended to open other bank accounts in case you exceed the 500K? I'm thinking that would be more secured, right?

@julienemariezara2003 3 жыл бұрын

Very informative. Thank you so much!

@Mchistina13 2 жыл бұрын

This is very helpful. Thanks!

@sonbal6793 3 жыл бұрын

Do you also invest in cooperative? If yes, We would love to hear about it for the next content. Thank you and Godbless 🙂

@NOREDLAC57 3 жыл бұрын

Thank you so much for the helpful advice!!

@nathaniel8413 3 жыл бұрын

Been using monefy pro for 2 years already 🤩

@authormargaretkimani2064 Жыл бұрын

Budget template is dope

@CharmdeLeon Жыл бұрын

Thank you!!

@yellowcarbb 3 жыл бұрын

Thank you for sharing Ms. Charmaine!

@personalch2987 3 жыл бұрын

Hi Ate Charm! Thank you for this video. It is indeed very informative, I didn't even noticed that it is 19 minute long. 😅😍

@CharmdeLeon 3 жыл бұрын

Personal CH 😅😅 thank you! I tried to trim it down the shortest I can haha

@nat_tfv 3 жыл бұрын

My titaness is going to shine through with this question (🤣), but when did you and your boyfriend get a joint account? Is it purely for joint investments? How often do you discuss transactions tied to that account? I was also going to ask about the low interest rates, but I took a quick look at my own savings accounts and realized that nearly all banks have cut interest rates as of September. Looks like 0.125 is the new 0.25 for regular S.A.- augh!😩

@CharmdeLeon 3 жыл бұрын

The Finance VTuber yah! It all decreased 😢 With regards to our joint account, we started it for our Japan trip. We saved up weekly for 9 months and when it was time for the trip, we barely spent additional and everything came from our account. Right before our trip, we decided to open a joint COL acct, and we would each put in the same amount (you can also make individual accounts if you want to invest your own money). After that, it’s all basically 50/50. Sometimes, either of us would deposit a little more but it’s okay with us because that money will be spent for our future anyway and not for individual purchases. For the condo amortization, it’s also 50/50 ☺️

@pjdemesa7789 3 жыл бұрын

Your videos are helpful. Keep going 💪

@CharmdeLeon 3 жыл бұрын

Thank you! 🤗

@kingofcasino_ 3 жыл бұрын

Nice ka! 😍

@InfoglanceMalayalamHARI 3 жыл бұрын

Informative ❤️

@mariaponce2244 3 жыл бұрын

I love this! Thanks a lot! Will try the monefy app :)

@lalaineavendano6656 3 жыл бұрын

Great contents!💓 This is very informative and helpful especially for young professional like me. More videos.❤️

@CharmdeLeon 3 жыл бұрын

Lalaine Avendaño thank you! Glad you found it helpful! Feel free to let me know other videos you want me to do! ☺️💕

@4everRouya 3 жыл бұрын

wooohooo cebuana😀😀😀😍🥰 new subscriber here

@uhngee1528 3 жыл бұрын

hello ate charm! super helpful ng vids nyo. u've mentioned facebook ads can you give a short tutorial on how to set it up? thaanksss

@jetluga 2 жыл бұрын

LOVE THIS CONTENT

@CharmaineAlmasen 3 жыл бұрын

You don't have to doubt, Charm. You videos are always helpful. Cheers! Praying for you to get 5k subs by the end of the month. Lapit na oh! 💖 This video inspires me to be more organized and purposeful with all my cards, bank accounts and expenses. Thank you so much! I can start being more organized now para maganda pasok ng October 💖

@CharmdeLeon 3 жыл бұрын

Chacha Almasen Awwwee, thank you Cha! Always supportive ❤️ Goooo! I didn’t have my own personal acct until 2017 and since then I was obsessed with labeling each bank account and card to have a certain use (I’m not too strict but I had so much fun organizing haha 😂)

@andrewstravelupdate5298 3 жыл бұрын

A filipina that speaks good english (such a rare find) I can understand 100% of your videos, and those who need native language captions deserve to suffer 😂 Thanks for the vid!

@CharmdeLeon 3 жыл бұрын

Thank you ☺️🤗 I have been getting requests to speak tagalog 😅

@stevenferraren7135 3 жыл бұрын

ENJOYIN WATCHIN U

@jetluga9525 3 жыл бұрын

Another great video!

@CharmdeLeon 3 жыл бұрын

Thank you! 💝

@Rafael-ye2bs 3 жыл бұрын

Its hard managing personal finances, sometimes its hard whenever there are unexpected expenses like car repairs when your car suddenly broke down, so instead of having savings for that month, it became negative kasi nag abono ka pa from your emergency fund...

@CharmdeLeon 3 жыл бұрын

Rafael that’s super good that you have emergency funds and maybe try sinking funds also to help you get through those things ☺️

@Rafael-ye2bs 3 жыл бұрын

@@CharmdeLeon thank you you! Do you have a lesson about that in your videos?

@CharmdeLeon 3 жыл бұрын

Rafael I talked about emergency funds, managing debt, etc on here kzfaq.info/get/bejne/gpp3hMiJva2lZWQ.html (you can check the time stamps to go to those parts)

@lyrahgracebarot5563 2 жыл бұрын

Hi Charm! Im inspired by this video. Ive been planning forever to create my own YT channel, and afraid to start since I do not know what content to show. I love personal finance, and I’m into savings and investing also. I do not have any ideas on video editing, what app to use to start my 1st video. Hoping you can give me some advise. Thank you!😊

@CharmdeLeon 2 жыл бұрын

I have these videos: kzfaq.info/get/bejne/eN2jdMSc2K3WiqM.html and kzfaq.info/get/bejne/qNyPaNCXq6jVh4U.html

@emersonluis5443 3 жыл бұрын

Thanks for guiding us

@CharmdeLeon 3 жыл бұрын

Emer Luis 🤗🤗

@sept.m9458 3 жыл бұрын

pinaka the best tambal sa luas Charm.. LISTERiNE 6n1 total care zero alcohol color purple sa time na gamay pa ang luas... try it maybe it will work on you.. kay sa ako it does.... ive tried b4 tawas/over the counter med's/and doctor's prescription last resort.. till a friend recommend sa ako ang listerine and it works.. just want to share it to u also...

@CharmdeLeon 3 жыл бұрын

OMG thank you!

@randomvideos266 3 жыл бұрын

Nicole sent me to watch your videoooo

@CharmdeLeon 3 жыл бұрын

Hello bread fam ! 🍞

@angelotenorio1193 3 жыл бұрын

thank you for this! ❤️❤️❤️

@CharmdeLeon 3 жыл бұрын

Angelo Tenorio welcome! Let me know what other videos you want me to do ☺️

@ronaldoesteves1538 3 жыл бұрын

Right now im using credit cards with no snnusl fee for life

@bossg2817 3 жыл бұрын

I don't track my spending. I just save/invest 70% of my income, then spend 30% for needs and wants.

@jaiidith 3 жыл бұрын

Late to watch cos busy but Hiiiiiiiii 💜👍🏼

@CharmdeLeon 3 жыл бұрын

tie jai hi, Jud! Haha new name on YT ah. ☺️💕

@krisnadawang2835 2 жыл бұрын

hello po! may video ka po ba about tonik digital bank? im planning to save my emerfency fund on it po sana. hehe hope to hear from you! im one of your fan! i value your videos a LOT!

@jiannaadalyn1452 3 жыл бұрын

Gusto ko din magkaroon ng maraming card. Kaso baka di malagyan lahat hahaha

@Mia-cl2yv 3 жыл бұрын

Good day Ms. Charm, I just want to ask for your thoughts about using piggy bank. Have you ever considered using it and do you think it is good to use (For not so big amount of money)?

@CharmdeLeon 3 жыл бұрын

Yes! For small amounts, it’s great! For 52-week challenges, coins, etc (maybe less than 100k so hindi sayang the potential growth)

@user-fg6re2km6y 3 жыл бұрын

Hi Charm! :) This is very helpful. Quick question lang coz I noticed on your spreadsheet, you have several Life Insurance? Do you think it's a good thing instead of getting just 1?

@CharmdeLeon 3 жыл бұрын

Kristelle in my case yes because I’m the bread winner. I had an amount (coverage) in mind and since I couldn’t afford the entire coverage before, I opted to do get additional later on (from a different company to diversify). I have 3 life insurance and 1 health&life insurance combo. I would say 2 is usually enough for a lot of people. Depending on how many people depend on them for monthly expenses.

@CharmdeLeon 3 жыл бұрын

I’ll be doing an Insurance video very soon! Maybe 2 videos! ☺️

@aleajewellearaneta4225 3 жыл бұрын

Talk about investments and insurance pls. 😍

@CharmdeLeon 3 жыл бұрын

Alea Jewelle Araneta one of those is coming up in 2 weeks 🙊☺️

@aleajewellearaneta4225 3 жыл бұрын

@@CharmdeLeon I'm excited po! ❤️

@ninjassy6281 2 жыл бұрын

I love your journal!!! Did you buy it somewhere? Please reply with the link if you did!!

@CharmdeLeon 2 жыл бұрын

I made it! Selling my planner very soon on Shopee!

@dykamarketing 3 жыл бұрын

Ma'am ano po ung sunglasses mo? gusto ko sya 😍 May link po ba kayo?

@mariemacatangay1108 3 жыл бұрын

I am curious, what do u do aside from youtube (profession, career?). I like your content, btw :)

@CharmdeLeon 3 жыл бұрын

Business owner. My entrepreneurship journey is here: kzfaq.info/get/bejne/f5qpdcufvrLQZ5s.html

@AC-xf9ll 3 жыл бұрын

Where did you buy your bullet journal? Looks nice!

@CharmdeLeon 3 жыл бұрын

Free from Starbucks! But any Notebook will do, i make my own tables and such

@honeybubuyog9471 3 жыл бұрын

Ate charm talk about stock market, on how to have, and where to buy.

@CharmdeLeon 3 жыл бұрын

Yes! Stock market videos coming in the next few weeks. Also uploaded one yesterday!

@xeanluxcrille6847 3 жыл бұрын

Just a question. How did you open UpSave and GSave? I wanted to open both but when I opened UpSave it said I could no longer open a GSave acct (because I already had an UPSave 😅). It's been a month and I still couldn't get around to having a GSave acct. Lol

@CharmdeLeon 3 жыл бұрын

If you opened UpSave first, you can’t open a GSave acct anymore :(

@annkuku7779 3 жыл бұрын

Are u perhaps a CPA, Charm? I can totally relate to your finance tracking. I have one also. I'm surprised kasi pare pareha ra jud. Daebak!

@CharmdeLeon 3 жыл бұрын

I’m not a CPA-business owner (& non-practicing architect)

@annkuku7779 3 жыл бұрын

@@CharmdeLeon wow that's amazing Charm. Hehe abi jud nako CPA ka😁

@CharmdeLeon 3 жыл бұрын

@@annkuku7779 CPA ka noh? ☺️

@annkuku7779 3 жыл бұрын

@@CharmdeLeon Hihi uu😁

@jolchristerluching6240 2 жыл бұрын

Is a passbook only bank account better/safer than ATM? Thank you!

@ken4992 3 жыл бұрын

Very great video! I even follow you on instgram :)

@yes-3046 3 жыл бұрын

new subscriber here ☺😍

@dabidu 3 жыл бұрын

Paano po yung couple/ joint account?

@CharmdeLeon 3 жыл бұрын

Just make an and/or account, this can be with anyone.

@emmanuelcanoza3655 3 жыл бұрын

Hi. I have a question. Regarding the Union Bank Debit, I have one, a visa card. Kaya lang gusto ko na sya iblock kasi wala namang laman since tinanggal ko, dahil one time naglolog in ako sa mobile app ng Union Bank , di ako makalog in dahil I need to update my phone number daw. I tried to reover my account using the debit card number, kaso there is a phone number na lumabas na nisendan ng OTP which is not my number. Then nung nalaman konh ganun niwithdraw ko na yung pera. Pero after an hour naopen ko naman ulit yung account ko. Pero di ko na nilagyan ng laman. At wala na ako planong lagyan. My question is if ireport ko sya na lost or stolen or wag nalang lagyan ng laman talaga, maccharge parin ba ako ng annual fee na 500.? Thank you 😊

@CharmdeLeon 3 жыл бұрын

I have the same problem! I haven’t registered my debit card online because it won’t activate and I gave up. Was super disappointed in that! It can’t really charge you if walang laman account mo though 🤔

@kjchio6120 3 жыл бұрын

😍😍😍

@marykristineballarta2065 2 жыл бұрын

What’s the difference po between savings and emergency fund?

@royvispo6521 3 жыл бұрын

hello! I'm Roy. I just want to know if you have already uploaded a video regarding the investment process in PSEi. Thank u you!

@CharmdeLeon 3 жыл бұрын

Roy Vispo hello! It’s in my IG story highlights (how to open a COL acct) but more stock market videos soon for sure!

@royvispo6521 3 жыл бұрын

@@CharmdeLeon What's your instagram account po?

@CharmdeLeon 3 жыл бұрын

Roy Vispo @ready2adultph

@pcn_reyes 3 жыл бұрын

Yayy!!! Do you have template for this one that we could DL? 💋

@CharmdeLeon 3 жыл бұрын

Yes! It’s pinned in the group. Https://facebook.com/groups/ready2adultph

@pcn_reyes 3 жыл бұрын

@@CharmdeLeon yahoo! Ill join the group, tysm!

@teajuana01 3 жыл бұрын

New Subbie here, thanks for the tips po 😀

@pjdemesa7789 3 жыл бұрын

I have some question about how to handle friends and relatives borrowing money from you? In my situation, it was really hard to say No. I end up letting them borrow and taking for granted all the time. It is freakin hard 😂

@CharmdeLeon 3 жыл бұрын

Hahaha I struggle with the same thing. It’s honestly hard especially because of our culture. 🤷🏻‍♀️ I just try not to loan out money I can’t afford to lose, like I try not to expect that money to be returned/anytime soon.

@pjdemesa7789 3 жыл бұрын

@@CharmdeLeon thank you for answering. Couldn't agree more. 😅 Sa huli kasi ako pa yung nahihiya. Hahaha

@CharmdeLeon 3 жыл бұрын

Pj tips same! And it’s mentally and emotionally draining din sometimes 😓

@luckysha3517 3 жыл бұрын

Anong bank po ba ang malaki ang tubo to savings

@smbc6560 2 жыл бұрын

If you bought a faem lot pero binabayaran mo pa rin monthly, its still considered as liability pa no? Or pwede na sya ilagay sa asset column?

@CharmdeLeon 2 жыл бұрын

Both. Asset is the whole value ng lot, liability is yung utang mo (total na babayaran mo pa). Asset-Liability= Net Asset Value

@leneasuncionofficial 3 жыл бұрын

💯❤

@cathymj15 3 жыл бұрын

wanted to download the budget template sana kaya lang wala akong Facebook 😅

@christophgreggwagwag6400 2 жыл бұрын

Templates!! Need!! 😩

@commandocols5742 3 жыл бұрын

Pwede ba gamitin ate debit card Ng landbank sa pagtrading?sorry beginner lng po.

@qcrctgavarcesxrfab8015 3 жыл бұрын

I can't find your sample spreadsheet on fb na 😭😭🥺

@hencyjoycechua4961 2 жыл бұрын

Any feedback sa IMG

@lianicoleborreo836 3 жыл бұрын

can I ask po what do you prefer more, CIMB or ING thank you po

@CharmdeLeon 3 жыл бұрын

I actually love both for different reasons. ING for the interface and check deposit and CIMB for the higher internet and GCash link

@fmakki8075 3 жыл бұрын

just wondering why you chose those credit cards that have annual fees? 🤔

@CharmdeLeon 3 жыл бұрын

My annual spending is typically big so I usually get annual fees waived and if I do pay annual fees, the rewards and benefits are greater than the fees 😊

@CharmdeLeon 3 жыл бұрын

If you’re looking for Credit cards without annual fees for life, check these out from Citibank, highly reco the Rewards card. Simplicity Card : bit.ly/2GuOex0 Rewards Card : bit.ly/3kXaoqH