A much needed content in this time. Save, save, save...Para sa mga ordinaryong nagtatrabaho, a PAG IBIG MP2 would be a good investment, no risk pr mga nagsisimulang gusto mag invest

2/3--- na maubusan ng pera many times. One day, I told myself I would never feel this way again (na mawalan ng pera). We all know how hard it it to move without money. So when I got a finer job, I managed my salary well. They said it’s not how much you earn but How much you spend. So talagang ngpaka-wais ako sa pag gastos dahil ayoko na ma experience ang panget na parte ng buhay ko na yon haha. Now that I’m married, I got luckier because my husband is really good in managing our finances, he ttaught me basic budgeting.

Pandemic also given a chance to start saving again,be intentional in every purchase and prioritize needs..as always Miss Rica your content are worth watching 🙂.thank you for being one of the content creator that has a great videos and lessons

I always practice delayed gratification. The only purchases that I do that I don't postpone are necessities. For example, vehicle shutdown kasi need ng bagong transmission, I do it right away because we need our vehicle for our day to day needs kahit mahal sya. But things like my camera, I planned and save for it like 3 years before I decided to buy a camera kasi medyo mahal sya. My main approach about money is that if it is not a need, I take time to decided and observe how I feel towards that item to buy. If my feelings change after 1 month or 2, it means it is not meant to buy but if my feelings hasn't change then it means it is meant to buy in the long run because our desire is mostly motivated with feelings and feelings can change overtime and when that feelings change it means it is pointless to buy that item because you get loathe to that item and after a while you will regret buying the item because then you would say "I should have not buy it and look at now I don't want it anymore and feels like wasting money. I think when we buy something, we have to think the long term value and how does it benefit us in the long run to fully take advantage the value of our purchase item.

Financial Education dapat talaga tinuturo ng magulang or ng mga teacher sa school para mas maaga matuto ang mga bata sa paghandle ng pera. Pag natuto tayong magpriority ng mga bagay na talagang need natin at magbudget mabilis nlang magipon. Mga pinoy kasi kalimitan pag alam nilang magkakapera sila may binibili na sa utak nila wala nmn masama pero sana kahit half nun maitabi natin para may mahugot tayo sa oras ng kagipitan.

Thank you for this video Rica. I’m so glad a celebrity has talked about the importance of tithing. Just sharing how we allocate our finances: 10% tithing, 10% savings, 10% giving and 70% for bills and expenses. Delayed gratification is something that I teach my children (especially my girls haha). I tell them we deserve a lot of things, but that doesn’t mean we have to get it when we want it

Thank you Ms. Carla & Mr. Randell 🧡 Quality content always 📈💯 Grateful to be part of the church community na ginamit ni Lord to give the reminder na everything that i have: this life (relationships, career & blessings) comes from Him, so kahit talagang mahirap din ngayong pandemic, may assurance lang that God’s gotchu & me 🥰 also grateful for my husband who also loves & honors God & for parents who are in the insurance industry, we grew up na marami din hirap na pinag daanan pero they always remind me na if able, it’s good to start saving&investing early pero just incase na dami talaga din kailangan unahin it’s never too late to start & that we can always start now kahit paunti unti 🧡

This is really an eyeopener not just to young people like me, but also to the young at heart :) more money habits content please, to enlighten us how to manage the God-given resources we have :) God bless you Ms. Rica!

Thanks for this content! I'm glad to validate 'most' of my practices are wise. Just 3 takeaways: - delete my pending items in my cart 😁 to pursue Storehouse principle instead 😊 - Invest what you can only afford to invest...and lose - Save. Do something your future self will thank you for :)

Thank you Ms. Rica for this. Just this morning I was praying for a sign from Him if I can and if I am ready to invest into properties. And after watching this episode, I felt like He answered my prayers. Thank you! Your words gave me comfort. ❤️❤️God bless!

Learned so much about this. Hopefully, there’s a next episode about finances. 🙂

ms. Rica ang galing mo po talaga magexplain. in every aspects or lives ang dami ko natutunan sayo :) I feel so blessed and ramdam ko yung pagiging sobrang blessed ng family nyo and people around you just by listening to you and sir Joe. I just love listening to wise children of God like you. May you continue to be a blessing to others

Thank you Ms. Rica! Sobrang amazing nitong video na 'to. I've been struggling with my finances, and yes, desires are strong whisperers! I've always felt bad about how I'm handling my finances, but thanks to you, it shifted my perspective that this is the "economy of the Lord." Salamat po! 💖

Another 👌🏻👌🏻👌🏻 content. Actually with the pandemic, I was able to save, start my EF.. and now, I’m tracking my expenses and budgeting reveal what are needed and unneccesary expenses.

This helps me a lot as someone who doesn't know how to manage properly my finances. As an OFW for more than 10years now i really have to learn how to manage my income now that me and my husband are planning to settle for good in the Philippines 5 years from now by the grace of God

I learned a lot today! And totoo yung side hustle, it helps me a lot! As a 25 y/o living independently, I can say that I am not still good at organizing my finances and this vlog is a wake-up call, haha! I'm also glad to know that I made the right choice to invest at the age of 23! If you can invest now, start now po talaga. :) Thank you, Ms. Rica!

Thank you, Ms. Rica! ❤️ You’re such a blessing to everyone. 🥰

I have learned so much about budgeting during the Pandemic. From investing, saving and prioritizing needs.

I had to get my journal and take down notes! Love this so much. Thank you for this vlog!

This vlog is definitely of big help in managing our finances...money per se always comes w a responsibility...save first before spending...God bless you more, ms Rica...💕🙏🏻💕🙏🏻💕🙏🏻

Waiting to start. Ganda ng mga content mo Ms. Rica. Excited to watch!🥰

As always dami ko na naman natutunan sa vlog mo Rica, We are blessed to be a blessing and we need to be a good steward of Gods blessing to us… Impt talaga ang mag tithes coz everything we have is from God and pag sya ang nag blessed satin liglig at umaapaw. 😍❤️

Ang ganda ng content mo na to Ms. Rica and yes to side hustle and having an ant mentality!

It's an eye opener on how I should value my monthly income. Thanks Ms. Rica for a very nice content. ☺️

Investing in real estate ang maganda talaga. Pwede rin makisosyo sa business or become a shareholder in a business. When it comes to investing, kailangan balanced para when one loses money, you have another one that’s making money. Good luck every one

Hanggang ngayon may physical na pasulat ako sa ledger, pero monthly ako nagttransfer nung data sa isang specific Excel na ginawa ko. :) That way after a month, I have an overview where I used my money. Manual checking also works for me because it slows down the process, and then mas nakakapagruminate ako saan nga ba napunta yung pera. Nag accordion style din ako, and sa loob meron ding envelope per item na may pangalan kasi sa book naman ni Ptr Dennis yung every peso has a name. So that's how I did it, and every year din pala nagccheck ako baka may bagong category akong pinagkakakgastusan. Nakakatuwa na may mga parts na pareho sa process ninyo. :)

Thank you Carla and Sir Randell for helping us Financial Consultants spread the mission of financial awareness to your audience. We should be good stewards of the money God has entrusted us with. He gave us the ability to produce wealth and with it comes the responsibilty to manage it wisely. #1 in our budgetting should be tithing as God commands us to do with a promise Malachi 3:10

WOW another amazing vlog. such a great reminder lang how important it is to be good stewards of God's blessings. I appreciate sir Randell's insights. I first heard him sa vlog naman ni Ptr Dennis and dami ko din natutunan, yung book rin ni sir Randell naka add to cart lang rin :p HAHAHAHA Looking forward to the next vlog po!

The first time I watched this, I committed to God and myself to save and when I opened lastnight my piggy back(ililipat ko ang laman only), Im surprised I've thousand plus in less than a month. Im happy to have my storehouse! Thanksss ate Carla! Now Im watching this with an ate friend who visited me and we did had a grea fun! God bless!

Thank you for this Ms. Rica. Actually, the content of my vlog rin po is how to be a good steward of resources and kasisimula ko lang po last July. Inumpisahan ko sa series entitled Financial Matters. I believe it is not late for us to change, be accountable and responsible to all the resources that God has given us including money. Let us strive na marinig rin yung narinig ng two servants sa parable of talents na "Well done good and faithful servant." God bless you po.

Nakakatuwa vlog ni Rica kasi it's very relatable and down to earth, it's refreshing to see a successful/famous personality living just like normal people like us. More power Rica! ❤️

Thanks Ms. Rica! Young people here. I learned a lot. God bless you! Hope to see more of this type of vlog.

Grabe Rica, you are so bright! You have so much to offer your community!

Thank you for this vlog ate beshie! Madami ako narealize at natutunan regarding finances. Thank you din po Sir Randel!

Insightful, helpful, inspiring… as always! Thanks for this content, Carla! 👍🏻

Hi Ms. Rica, just came across your channel and have been watching a lot of your videos. I'm 24 yrs. old and the breadwinner of my family.. I'm currently in the path of building financial stability so this particular video is really helpful! Thank you for all your tips and please continue to create these kinds of content!

Super relate and ang dami kong natutunan sa vlog na 'to. Thank you Ms. Rica 🙏🏽

Seaman papa ko so pag wala siyang work walang wala din kami. Late ko na din narealized mga bagay bagay.. pero now happy ako. ngayon pandemic natake advantage ko yung pag invest sa lot. instead na ibili ko ng kung ano ano.. hindi nga ako nakakabili ng mga gusto ko. pero your vid made me realized na tama yung decision ko. need ko nga lang i work on yung savings... nag accounting na din ako prior so sabi ko sa sarili ko while wfh pa kami. magsave din ako ng money.. thank you ms. rica!

I'm so thankful to have watched this! I love the wisdom and the importance of tithing

Omg! Part 2 please 🙏 I loved this kind of vlog! Watching from the US. I’m struggling how to save money po kasi super daming temptation dito but this year I want to make it different. I’m ready to save and sucrifice today for a better future. Also i loved your principle about tithing I’m the same way and super totoo na ibabalik talaga sayo ni Lord yung blessings pag totoo ka sa kanya. And besides kung naniniwala ka sa kayang gawin ng Diyos mo bakit hindi mo sya subukan sabi nya nga sa salita nya test me! Thank you so much, God bless!

I learned a lot ate Rica. Actually nag struggle ako on how I manage my finances e. Your vlog is very helpful for me now. Thank you! And God bless you more.

very insightful content as always 😍 keep going Miss Carla 💕 God bless the works of your hands

Thank you for this content. I’m Licensed SunLife Financial Advisor, sobrang relate ako sa convo nyo ni Sir Randell. I just want to share din po Ms. Rica that, ngayon Pandemic mas nakkapag tithes po ako ng maayos kesa before na nasa Corporate World ako. So much inputs. ❤️ I appreciate this vlog.

Dahil sa pagtitipid mula nung single pa ako, natupad ko ang isa sa mga pangarap ko - simpleng buhay dito sa NZ. Matipid pa rin para di mahirapan sa future pero kuntento na sa anumang bigay ni Lord ngayon. Maraming salamat po Miss Rica. Keep sharing po. Miss ko na pag attend ng mga workshops niyo nun Sir Randell. Salamat po sa mga turo niyo. 😀

I haven't seen Rica Peralejo in more than a decade. And omg! She still looks the same. Great genes plus great skin care probably.

Sa totoo lang mas nakaipon ako this pandemic.. mas naging valuable at natuto ako or marami satin s pera at pag gastos. Salamat pa dn sa panahon na to..💕✨💕✨💕

Grabe, nakapa galing niyo po talaga mag explain. Lagi talaga ako nag aabang sa mga vlog niyo miss Rica, dahil ang dami dami kung natutunan sayo. Thank you miss Rica! ❤️

I’m a freelancer 23 y/o. I worked as an HR when I was 21 but wala akong savings non dahil I’m the YOLO kind of person at that time. Buti nalang I realized na it’s not good and wala akong mapapala so I started watching vlogs about savings and investments. I know I will thank myself in the future ☺️ Thanks Miss Rica! I hope you would vlog more about this kind of topics. Ps. I used to watch you when I was a kid! hahahahaha ♥️

I also believe in tithing because the Lord commanded it to us through His Word in Malachi 3:10. 🤍 This is so helpful Ms Carla..

worth to watch ito yung dapat maraming views na vlog at winawatch specially young people today thanks Ms Rica

love this Rica! Always a blessing to hear your wisdom!

Thank you Ms. Rica for this very knowledgeable and inspirational vblog that you made to help others in saving money and also for inspiring us to be a thither for giving back to the Lord a portion of his blessings that will help churches to build and spread the word of the Lord.

Pareho po tayo Ms. Sa kahit anong sidelines ko, 10% automatic para kay God. Ang galing di ba Ms Rica? He is the owner of the everything yet He only asks 10% from us when he gave us something. BTW it is important rin po to set up an emergency fund. Emergency fund should cover atleast 3 months of your expenses. Having a budget notebook is the key. Noted rin po yung storehouse na nabanggit ninyo. Thank you for these life lessons mula sa inyo.

Great topic. Informative. Can relate with the accordion wallet though 😄. More of these please , makes young viewers to realize not to oversee the difference between wants and needs. Thanks Ms. Rica and Sir Randel. 👍😁

thank you Ms. Rica! totoo na budgeting is a corny thing pero ginagawa ko siya ngayon and super nahelp niyako sa sa limitations and priorities naming mag asawa.

Miss Rica appreciation post :) its always nostalgic to see you po :) ang ganda at galing nyo kasing artista noon then now, ngshushine parin kayo sa ginagawa nyo :) and marami talagang nakukuhang good reminders for adulting lalo na sa episode na to. Thank you do much , Godbless po

this is so nice! more of this Ms Rica. 😊 I’m also a budgetarian kahit nung single professional pa ko. and Im proud of that! and dala dala ko siya even now that I’m married. I agree with Sir Randell, once we’re able to save and invest, money left can now be spent. Hindi na masakit sa puso. Hahaha walang guilty feelings. Pero kung puro spend spend, at walang na-save, what’s going to happen to you in the future, di ba po. Hirap po nun. And I really hope isa yun sa mga natutunan nating mga Pinoy during this time. 😊 Emergency Fund is very very important before we start investing. ❤️ More contents like this. 👍

Thank you for this Rica! ❤️ I've got more learnings!!! More blessings to your fam ✨

3/3--- So nadadala nya ko. I wish I learned financing way earlier para di na ko nahirapan nong mid 20s ko. So I really try to tell my younger friends so spend their money wisely. Isipin muna bago mag add to cart. Haha in fairness when online stores are on sale, I really just buy the “needs”. ❤Almost 2 years na ang pandemic, I guess when everything goes back to the real normal, marami na mag iipon dahil lahat nagulat sa pangyayari. True na this will just really pass😇. My mom just always told us before na “Huwag Mangutang.” 👍Takot sa utang. So naiisip ko lagi yan and now I have no “utang” at all. 👌Hehe but I know may tinatawag na man na good credit diba? By the way, It’s really wonderful how we all could learn so many things her in YT for free. Salamat Rica👌 at Kay sir Randell👌. Na refresh ang isip ko hehe. Nakakatuwa na man ang condo-purchase story mo. Thanks to your mom. 😉❤

Dami kong natutunan Ms. Rica! I just want to share that budgeting is REALLY VITAL!!!!! mapa pisong halaga man yan ng ating pera, need sya i allocate ng maigi :) I am currently doing the "Accordion Book/ Saving" and super helpful po talaga siya lalo na kapag nandoon rin yung pang tithes!!!

BIG THANKS for this, ate Rica! ♥

I have been aware of financial management early on sa hirap ng buhay but I still learned so much in this video. Thank you.

very inspiring! thank you ms. Rica and sir Randel! :)

I've beeng watching your vlogs palagi. And hindi pwedeng wala akong matutunan sayo😊. Keep on sharing your experiences po. Pati si Ptr.pinapanood ko din vlogs nya😊 God bless po!

As a newly married Christian couple, we're also practicing TITHING. We're not after the blessings that come after tithing, but truly just in obedience to God's commandment. To honor the Lord in every aspect of our marriage, most specially in our finances. We believe that it is God who gave us the ability to create wealth and apart from Him, we can do nothing. Every time dadating yung sweldo ng husband ko (because we're a traditional Filipino family with one income earner lang), he would always say (in Cebuano): "Love naabot na akong sweldo ug nag-tithes nako." :) Matthew 6:33 says "Seek ye first the Kingdom of God and His righteousness, and all these things shall be added unto you." Thank you, Ms. Rica for this yet another valuable content. :)

thank you for this ms rica and nice to see sir randell too in ur channel 🥰🙏🏻 im trying to do the kakebo method now - the japanese art of mindful spending 🥰

Ant mentality🔥🔥 Tithing + generous giving.. ❤

napakaganda, ang daming learnings.. so true.. una dapat natin itabi ang ating tithes and offering... then your savings and expenses.salamat sa mga ganda ng insights nyo ni Sir..

Tithing priority tlga! I agree with you Ms Rica. Nice content

Thank you Ms Rica! Very inspiring! I love all your contents. ♥️

Thanks Ms. Rica!! Lagi ako naka abang sa vlog mo, ang gaganda ng content 😍 I love budgeting. Since nagkawork ako, meron ako notebook for budgeting and same sayo, meron din po ako money wallet organizer from shopee. Importante din po talaga na mag allocate tayo for an Emergency fund 😍

Very informative. Thank you ms Rica for giving us tips when it comes to our finances and how to make budget. Guilty sa earn now mindset then gastos all after. 😅 love all your videos! Looking forward for more. Godbless you and your fam. Xoxo

I highly promote this vlog! I really think a lot of people should see this!! Especially now in the age of shoppee, lazada and all kinds of online shopping. I’ve learned how to save money since I was young. The money i saved from my allowance would all be bundled in rubber bands back then lolz 😂 In college, my classmates would laugh at me calling me “kuripot”. Now, im in my 40s with 3 kids, by God’s grace, i never had past due accounts, never had to loan money out of emergency, and always have savings in the bank. I may not be wealthy, but we have more than enough for our family’s basic needs, R nR , and most all for TITHES AND OFFERING .

Amen! God is good, God is great...thank you Carla for sharing that very important input.

Ms.Rica, one of your best Content...more of this pls...financial managemnt...God bless u more🙏

Hi Ms. Rica, sobrang naenjoy ko po itong vlog na to at share ko lang po na sa inyo ko po talaga natutunan ang tithing principle from reading Better Than Jewels devo book a few years ago at mula po doon mas naenjoy ko na po ang tithing.😊

Buy listing your money na pumapasok at lumalabas nagiging concious ka talaga sa pag gastos. Naging habit ko na sya at nagbenefit talaga. Nakabili na kami ng 3 lupa. May bahay na din at nakapagpakasal at the age of 25. Pero sa lahat na yun ay Gods grace talaga laging magpray lang din. ❤️

Solid!! Simple approach.

Ginising ng vlog na to ang spending habits ko. Salamat sa reminders

Since nag-asawa ako, nagbudget ako kasi gusto kong makaipon kami. I did budgetting as a habit and it’s giving us a balanced life talaga. May allowances kami ni mister monthly para we can still buy whatever we want and walang resentment from each other haha. It really works.

I learned a lot from this vlog..thank you Ms.Rica 💖😊

Tithing is something that we owe to God and if we're faithful, we will surely be blessed in ways we never imagine.🙏

Very helpful vlog! Great content. Thank you Ms. Rica! ❤

Wow.... great vlog rica🥰🥰🥰🥰🥰I’ve learned so much....

thanks for this Ms. Rica. Very encouraging! and also you're very pretty and glowing. hehe :)

Very informative @Rica-more vlogs on saving and investing pls.

thanks Ms Rica for this vlog, sobrang naenjoy ko conversation nyo with Sir Randell. I agree with every words po. Naging prinsipyo ko sa buhay when it comes to finances is to treat it like a tool, a servant and not to look as its master. When it comes naman sa mga wants i solely practice “delaying gratification” like what youve said may nga bagay nga na seems important or need kahit di naman talaga minsan nadadala lang ng emosyon hahahahaha. Lastly po, i knew where to invest na where i felt the most satisfied never malulugi, its when you give what is due to God, i am a firm believer po na we cannot OUTGIVE God, very true po yung God’s economy, i set my mind not on things on earth not just to benefit me but to reallu give back to God and others. Biblical giving and giving to others will not just refresh you but will refresh them as well. So thank youuuu for this vlog, very juicy and meaty. more to comeee po! 🤍🤍🤍 God bless!

I really love this video! Ako personally, sobrang magastos talaga ako. And I married someone na hindi din ganito ang mentality. So I stepped up and did my best to learn things. Thank God na aside sa aking stable work as a DepEd teacher, meron din akong "side hustle" which actually gives me more than the former. I was able to save up for our emergency fund and we were able to buy some properties. Pero admittedly, madami parin along mistakes na nagawas, kasi newbie parin talaga sa financial management. Nakabili ako ng lupa na walang klarong titulo. Pero, it's okay. Lahat naman siguro, dumaan sa failures. For now, what I do is I do tithing and some giving to our church. Then, I support my mother, too. I have insurance and I'm paying monthly for another residential lot. I am honestly not sure if I'm doing things right. But God knows I'm trying and I'm doing my best.

I have learned my handling my finances by reading the book of Bo Sanchez. From there I have learned the 70-20-10 percent principle of budgeting. But I still struggle today about that 10% 😅 Thank you for this vlog Ms. Rica at parang may nagenlighten ulit sa akin about Tithing and Giving ♥️ God bless and more vlogs po! Hihi

Really nice to hear some financing tips ❤️❤️❤️

Super love this! Ngayon ko pa nawatch na may sweldo na. HAHAHAHA will definitely budget the sahod as in now na! Thank you, Miss Rica. I also opened an account para dun ilagay yung makuha galing sa side-hustle. That'll serve as an emergency fund na. Yiieeee ang sarap po magbudget, parang nakakaproud na good steward ka sa gift ni Lord.

Mostly mahirap talagang mag budget lalo na't minimum wage lang ang mga pinoy. But lately I practiced my self how to manage our small resorce from campany and am so amazed may masisave ka pala even small amount every week. Now I realized even though you have so much money but suddenly you can't handle it correctly this is useless. So now I really grateful for the wisdom He gave that I manage very carefully even the small amount in my pocket. Ask the Lord for the wisdom! 🙏💖🙌

Ang ganda ng topic mo ms Rica thnk u so much for sharing your wisdom God bless u more❤️❤️❤️

Omg. Budget plannerrrrr yasssss

Thank you ms. Rica andami ko po natutunan kabibili ko lang po ng condo lastweek and as a probinsyana medyo close minded pa po ako in investing condo.. Negative thoughts pa rin but when i watched your vlog.. Sobrang na enlighten po ako and naencourage how to save more money for my new investment. Thank you po ❤️

Been off from the “accounting” of my finances (since I became a Mum). Thanks for the reminder!! Now to my next purchase....ledger notebook!!

So thankful for all the learnings! if there’s one thing i would like to impart, if i may, is the importance of being debt free..

I always listen/watch your vlogs ms.rica at marami akong natutunan sau, i started following u since i read your blog years years back.. 😀

Proud Gen Z Na nagsiside hustlingggg ... Slmt Ms. Rica.

Wow, i learned so much from this vlogsssss, mag save,save,save na akooo