HOW I MANAGE MY MONEY | Personal Finance System 2024 | Banks, Cards, E-wallets, Spreadsheets 📊💸💳

Рет қаралды 112,862

Күн бұрын

Managing your finances in your 20s can be tricky! Even if a personal finance is personal and depends on each of our lifestyles, I hope this video helps and gives you an idea on how you can possibly organize and track your finances.
Join the Enervon Activ Self Starter Challenge and get a chance to win ₱100,000! Full details here: pCiYsA7GBH...
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 - Start of Video
1:30 - Trad Banks/Debit Cards
5:57 - Digital Banks
13:12 - Credit Cards
16:58 - Wallets/E-wallets
22:06 - Trackers
► Download the apps mentioned
• CIMB - www.cimbbank.com.ph/
• Seabank - Use code: CD401778
• MAYA - Get p50: p85qk.app.goo.gl/4M9Y // code : 42625QML56P0
• GCASH - Get p70 worth: gcsh.app/r/oNETIx5
• MONEFY - www.monefy.me/
• ShopBack - Get P100!: app.shopback.com/phl?raf=pkpsnX
• Citibank Credit Card 💳 bit.ly/ApplyForACitiCC
• Crypto.com - crypto.com/app/ready2adultph
• WISE - wise.com/invite/i/charmained64
• UnionBank Credit Card - bit.ly/UBPRewards
►Sources/Links
FREE Downloadable Template ► bit.ly/BudgetingTemplate20XX
Let’s Adult Planner & Book ► shp.ee/3k5w4hv
Subscribe to the new Ready2Adult Ph here : / ready2adultphilippines
► 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...
►Socials
Instagram: / deleoncharmaine
TikTok: / deleoncharm
Facebook Page: / charmdeleon
Facebook Group: / ready2adultph
Email: hello@ready2adultph.com
kzfaq.info?s...
► 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 contain 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, Seabank, CIMB Bank, my money system, 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, maya savings, maya, gcash, personal finance millennials, money management, personal finance, ready2adult ph, charm de leon

Пікірлер: 122

@CharmdeLeon Жыл бұрын

For those asking, this is the wise I’m talking about: wise.com/invite/i/charmained64

@jamie3226 Жыл бұрын

Idol yung sa business din sana

@kc5169 Жыл бұрын

Yes do a video for wise. I'm having a hard time trying to figure out how to send money from the Philippines to the US.

@Antoniovieira2792 Жыл бұрын

I appreciate your approach to teaching.. To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough, we just need to hold onto our hopes and wait to see how things turn out because market movements are almost always unpredictable. In my portfolio, I'm noticing more red than green.

@carmindaAntunes Жыл бұрын

People believe their currency has the worth it does because they have no other option. Even in a hyper-inflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.

@Wellingtonluzia3 Жыл бұрын

Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.

@desmondeddy1750 Жыл бұрын

@@Wellingtonluzia3 You are right! I diversified my 450K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above 1.3m in net profit across high dividend yield stocks, ETF and bonds during this red season.

@jamesdrew296 Жыл бұрын

@@desmondeddy1750 How can I reach out to this coach? because I'm seeking for a more effective investment approach How good is this person at portfolio diversification, particularly with regard to digital assets?

@desmondeddy1750 Жыл бұрын

@@jamesdrew296 >>>>>> *PATRICIA DRITA JOSEFINA* is the coach that guides me

@malts100 Жыл бұрын

Wooh! ang galing talaga!!! nice :)

@dev.jessicabonzo Жыл бұрын

up rin for the networth topic!

@blackpinkblinks2095 Жыл бұрын

Natawa ako sa gcash first tree 🤣. I have 2 trees there and counting. Anyway, you inspired me and your vids helped me a lot in terms of managing my finances. Thank you! 😊

@jeffreycaspe Жыл бұрын

WoW Nice

@jchung5066 Жыл бұрын

Chika ko lang regarding the Security B na accounts… i got my circle access from them bc I have their premium savings, checking account, credit card, and their VUL affiliate… however right now they’re mass migrating their operations into their new mobile banking app so expect delays in transfers, yung app niya always nag crash, and payments for credit bills take a bit long to reflect so it might not be as streamlined. But they’re bank products are really good. Just medyo it’s taking them a bit long for supposedly minor inquiries

@YourKarenCy Жыл бұрын

Thanks so much, Charm! You’re an inspiration sa pag-aayos ko ng personal finances ko. 😍 Bet ko yung may different accounts talaga for different purposes! 🙌

@YasinNabi Жыл бұрын

Success come with hard work, failure comes with taking easy. BTW:: this is a wonderful video, a fellow creator

@ppppaz6023 Жыл бұрын

Gwapaaaa

@beryljolynmariano614 Жыл бұрын

Love the video 🥺

@CharmdeLeon Жыл бұрын

Thank you! ❤

@ManangAnn87 Жыл бұрын

idol😊😍

@jackspicer455 Жыл бұрын

Pwede na po kitang tawaging master😆.

@elro2590 Жыл бұрын

wise!

@xamerdin2672 Жыл бұрын

Hi po Ate. Na-amaze ako sa mga video mo. I want to be your good friend and other good celebrities.

@kylemerker484 Жыл бұрын

tєlﻮг๓™MEERSHI Tell her i directed you to join and participate in the new investment, thanks for your comment¡

@xamerdin2672 Жыл бұрын

You're welcome po.

@ishregodos Жыл бұрын

Hey Charm! I have a question. What's your take on Cooperatives like FICCO?

@travelwithpao2x Жыл бұрын

hello ate Charm. do you have a podcast series?

@stephanuietvofficial2760 Жыл бұрын

Hello Ms. Charm nice videos po .. but somethmime ung ears ko sinusumpong ng tinitus kapag full sound gamit ko sa cp . not sure if sa akin lang hehehe.. but usually ganun nangyayari sa right ear ko.. ung parang may disturbance pero hinihinaan ko nalang kahit gusto ko full sound hehehe

@truytayaba2415 Жыл бұрын

Wise is good. You may consider Skrill also

@CharmdeLeon Жыл бұрын

I've heard of that! Parang hindi pa available sa PH? (last time I checked)

@shapingbetterminds Жыл бұрын

salamat po sa another learnings. Great video. Sa lahat ng nanonood nito magimprove rin sana ang finance ngayon taon. ❤

@AmirChristopher Жыл бұрын

yeyyy new videooo thank you for thissss 😊😍

@gratefulD Жыл бұрын

🌼

@marorange8720 29 күн бұрын

Sa dami ng banko na meron ka hindi mona alam saan ka magdeposit same here! Hahaha

@angelsantuele4679 Жыл бұрын

Pwede po ba magrequest ng video tungkol sa insurance na dapat meron ang isang ofw

@cessdelavictoria4791 Жыл бұрын

Ma'am ang ganda po ng lalagyan ng unionbank business card nyo. Pwede lang po yan hingin sa bank mismo?

@asleasanggacala3741 Жыл бұрын

Paganda ng paganda ka po talaga Miss Charm😍

@johnwilfredsaylon9131 Жыл бұрын

Hello, do you have idea how can I convert my straight payment to install for BDO cc?

@user-zm8nd8iq1m Жыл бұрын

Hi, are there still points if you pay bills through GrabPay? Parang I read somewhere on reddit na wala na daw points. I'm just starting pa lang kasi so I don't know much :((

@jasonpalma1552 Жыл бұрын

hi, please make a video about wise :) saw that in the net but was afraid to use it. I need an alternative to paypal :) thank you

@jairahfelix8784 Жыл бұрын

Hello. just clarifying po.. You keep 2 accounts for your businesses? 1 for savings (for future purposes) and 1 more for expenses? 😊

@CharmdeLeon Жыл бұрын

Yes! At least 2, but usually more talaga haha

@cherrylayoso706 Жыл бұрын

Hello Charm kayangayon ko nabuksan at tanghali na ako nagising at marami pa akong tinatapos gawking sa kusina at magneto ang dami ng ginagawa pag walang katulong Maharajp ang buhay

@kylemerker484 Жыл бұрын

tєlﻮг๓™MEERSHI Sabihin sa kanya na inutusan kita na sumali at lumahok sa bagong pamumuhunan, salamat sa iyong komento!

@mrvincentpogi Жыл бұрын

Gumaganda ka hmm 😁

@michellezugor1681 Жыл бұрын

Hi I'm now living in Croatia, my husband is Croatian and we have one child I'm planning to live for good in Philippines and just do business, because here in Croatia salary is not that big though we are doing ok here besides health care is free. My question is do you think it is wise to push through my plan.? Hope you see and answer my question.

@angeloarcangel8285 Жыл бұрын

The more I watch and listen to you, you kinda look and sounds like Tuesday Vargas. I meant that as a compliment. 😉

@antonpogi2927 Ай бұрын

Hello, do you have any videos regarding your insurance/s? Thanks. Learn a lot about your videos.

@CharmdeLeon Ай бұрын

Here: kzfaq.info/sun/PLX5F5fa6EHdq0fCY9ehomzPNaUoYekLkP&si=uIIlatA0WwBY5b9U

@Agent_Zer0 Жыл бұрын

6:50 ano po issue sa GSave attached to Gcash?

@getitcoph Жыл бұрын

Hi Charm! Have you tried Tonik na? Hope you can share if you have na or create one so we have knowledge about it. Thanks!

@ghinovirata Жыл бұрын

moneylover mas ok nasa cloud ung data kahit magpagawa ka ng phone

@katrinapineda6873 Жыл бұрын

Guaranteed free annual fee ba yung UB if 10k ADB? That’s what’s holding me back from opening UB kase mataas yung 25k na no annual fee account nila but I want the mobile check deposit

@CharmdeLeon Жыл бұрын

Yes. You can chat their CS on FB to clarify also for yourself (in case may nag bago)

@abbyvera44 Жыл бұрын

Sayo dummy account is yung BDO virtual, for me ay yung gcash ko kasi madaming fraud dun 😂

@lielasado2421 Жыл бұрын

Hi ! Nag iipon nako before sa CIMB , GSAVE AND TONIK however naisip ko what if mawala ko yung phone ko or manakaw. How Can I get my funds or how can I pull it out immediately? meed you 2 cents

@chester1467 Жыл бұрын

Once you have USD account ba sa Wise then your US client can do local bank transfer nlng? Looking forward to a detailed video about Wise, thanks Charm

@CharmdeLeon Жыл бұрын

Yes! I forgot the term but parang local bank transfer nalang for them, or lie ACH?

@freedman1405 Жыл бұрын

Is it still wise to have an account with traditional banks when digital banks are better (in terms of interest rates, liquidity, etc.)?

@CharmdeLeon Жыл бұрын

Mostly, it's for diversity/option. Having the option to have over-the-counter transactions esp for bigger amounts, checkbooks, free ATM withdrawals, and a face-to-face service interaction. Some companies or people who send money also prefer OTC esp if it's a company paying a supplier for example. But interest-wise, trad banks can't compete with digital banks.

@luckielaniedumaboc8293 Жыл бұрын

Very helpful vid 😊 any thought about seabanks po?

@CharmdeLeon Жыл бұрын

Been loving it! Most digital banks are amazing. Game changer sa money system ko

@renzregencia3547 Жыл бұрын

Yes to Wise! I've been looking for a PayPal alternative. Cheers!

@CharmdeLeon Жыл бұрын

Super! I keep telling people ang mahal ng fees ni PayPal lol

@queenbakikay5757 Жыл бұрын

Off topic. Hawig mo po si Tuesday Vargas.

@CharmdeLeon Жыл бұрын

I hear that a lot haha

@keirapascual5425 Жыл бұрын

do you loan like apart from credit card? when is it okay and how much etc. do u have a vid na?

@CharmdeLeon Жыл бұрын

I don’t but I will for my condo. No video about it yet. Soon!

@chocomeena 8 ай бұрын

Hello po, may suggestions pp ba kayo kung saan bank maganda ilagay ang emergency fund?

@user-zn4mr3hd1w 8 ай бұрын

(2)

@lestergandionco9183 Жыл бұрын

Whats the point of showing your spreadsheets if you are just going to blur some of it ?

@kurisuchiinu1206 Жыл бұрын

This helps! Hoping to watch your review regarding SeaBank and Wise!

@floramaybacus1427 Жыл бұрын

How do you earn Crypto from your bills paid in Paymaya?

@CharmdeLeon Жыл бұрын

Parang hindi kasali bills. Only if you pay via QR, log-in, or maya card.

@yaniancoder Жыл бұрын

May promo sila ngayon. Sept 1-30 tungkol sa pay qr and free bitcoint. Check lang sa maya web

@cherrylayoso706 Жыл бұрын

Teeth na lang mayroon na akonh salamin nakita ko na ang optical salamin ko kaya teeth na lang

@aprildomingo1315 Жыл бұрын

Started tracking my expenses after this. Hopefully, I will try my best to discipline myself and commit to it. Thanks for this!

@CharmdeLeon Жыл бұрын

Woohoo! Cheering for you

@francinetorrilla Жыл бұрын

If I am based abroad, will application for digital bank be difficult? Do they require the applicant to be Philippine based?

@CharmdeLeon Жыл бұрын

There are a few digital banks that are specific for OFWs, I think OF Bank is one.

@francinetorrilla Жыл бұрын

@@CharmdeLeon oh thank you for sharing this info. I watch your videos because I need Financial advices. I cant seem to save up 🥺

@shxxpxnxy4771 Жыл бұрын

Hi ,OFW here. I have Unionbank and Ofbank 💓

@francinetorrilla Жыл бұрын

@@shxxpxnxy4771 i cannot access OF bank 😦

@rhen64 Жыл бұрын

Hello can you also send link for OF bank 😊

@atinpropertymanagementandt2542 Жыл бұрын

Great video Ma'am Charm, great to see a role model for younger generation to be informed about personal finance management. We also help people. We are a property management ,we help real estate investors to multiply their properties in Metro Manila and Cavite.

@alexursua9348 Жыл бұрын

paanu un walapa ako credit card paanu mag avail

@rheavillarin597 2 ай бұрын

How about yung template ng spreadsheet po

@lorelailuthorkar-el137 Ай бұрын

Do you still do this up till now, like is it still relevant? Since I just see that this was posted in 2022 and you just changed the the title to 2024😅😅😅

@CharmdeLeon Ай бұрын

Yes! I've been doing it for 5 years! Haven't changed it much

@eleynaaa Жыл бұрын

Why po not a good choice na i connect ang gsave to gcash? I have mine connected kasi and use it for emergency funds too.

@charlie6751 Жыл бұрын

Can you spend some money for some fresh paint on the wall behind you it's a very depressing colour

@CharmdeLeon Жыл бұрын

No, thank you. I like my walls the way they are.

@cherrylayoso706 Жыл бұрын

Charm bigyan mo ako ng accounts ibang araw Para makabili ako ng salamin optical kc nahihiran ang Mata ko at sumasakit ang ulo ko mahirap saying nawawala ang optical salamin ko Heidi ko na making nakuha na ng katulong malikot ang kamay

@operativealyssa Жыл бұрын

Yay for an updated version! 🙌

@kylynmrls Жыл бұрын

How do you apply for BDO rewards card?

@CharmdeLeon Жыл бұрын

They automatically give this to youbif you have an ADB of ₱100,000 (if it didn’t change). You can check here: www.bdo.com.ph/personal/rewards/terms-and-conditions

@rijinomi2699 Жыл бұрын

how many bank does a person need? a guy with no bank account and no knowledge of it pls and thanks

@CharmdeLeon Жыл бұрын

It depends on you but you can start with 3. 1. For operations (monthly expenses) 2. Emergency fund 3. Other Savings/For investing.

@rijinomi2699 Жыл бұрын

@@CharmdeLeon thanks for replying. i will be sure do it now .. i will let u know

@dev.jessicabonzo Жыл бұрын

up for the wise topic! I’ve been using wise to receive my salary. And yes, mas okay sya kesa paypal. Thanks so much charm, I appreciate your efforts creating these kind on contents, your channel and fb group are my go to channel whenever i want to learn new things about adulting and finances! 🥺♥️

@daveed6281 Жыл бұрын

Hello Charm! I would love to see a video from you where you explain how to maximize the use of digital banks. I know CIMB does promos but i’m a little scared to try it, i might need more info from a reputable person like you. Thank you!