BEST AND WORST PURCHASES IN MY 20s | Smart & Dumb expenses | Adulting 101

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Best and Worst Purchases in my 20s! You don’t need to be the most frugal and most responsible with money but you do have to keep on trying to be better at it every day, and that’s enough. I hope you enjoy this lighter video.
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
0:17 - Start of Video
1:11 - Best Purchase #1
2:35 - Worst Purchase #1
3:53 - Best Purchase #2
5:53 - Worst Purchase #2
6:29 - Best Purchase #3
7:22 - Worst Purchase #3
8:58 - Best Purchase #4
10:17 - Worst Purchase #4
12:31 - Best Purchase #5
14:40 - Worst Purchase #5
16:01 - Best Purchase #6
19:20 - Worst Purchase #6
23:19 - Outro
► Previous Videos :
HOW TO CHOOSE A LIFE INSURANCE► • HOW MUCH INSURANCE COV...
LIFE INSURANCE 101► • LIFE INSURANCE FOR BEG...
DIGITAL BANKS/HIGH YIELD SAVINGS ACCTS ► • HIGH INTEREST SAVINGS ...
WHAT’S IN MY WALLET + MY CREDIT CARDS ► • WHAT’S IN MY WALLET 20...
TOP APPS THAT HELP YOU SAVE MONEY ► • TOP APPS THAT HELP YOU...
►SOCIALS
Instagram: / deleoncharmaine
Instagram: / ready2adultph
Facebook Page: / ready2adultph
Facebook Group: / ready2adultph
Email: hello@ready2adultph.com
ru-vid.com?s...
► Music Credit: DJ Quads
Track Name: “IT’S NEAR”
Music by: Dj Quads @ / aka-dj-quads
Official RU-vid 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:
Best and Worst Purchases in my 20s, best purchases, worst purchases, spending money in your 20s, how I spend my money, dumb purchases, dumbest purchases, best and worst purchases, tumi bag, car, tempur, tempurpedic, luxury watch, omega seamaster, ultraboost, GOT ultraboost, ready2adult ph, charm de leon

Опубликовано:

16 июл 2024

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Комментарии : 101

@janeramirez752 3 года назад

Instead of my usual spotify playlist, i've been binge listening to your videos while working ❤️❤️❤️

@alyssaburgos626 3 года назад

Binge watching your videos since last night. I’m learning a lot. Thank you ❤️❤️❤️

@CharmdeLeon 3 года назад

Thank you 🤗

@debtfreeF 3 года назад

i wish i learned more about sustainable fashion when i was younger.. spent so much money on clothes that i would always end up donating!

@CharmdeLeon 3 года назад

Yesss! Me too. I don’t shop clothes too much but I definitely have a lot of bad quality pieces that I couldn’t use anymore

@lureinemaeenad5145 2 года назад

Godspeed on this channel 💙

@financiallyblondeph6787 3 года назад

Nice presentation! Ok, I’ll add this in my topic list! Interesting idea! Thanks!!

@CharmdeLeon 3 года назад

Yessss go! ❤️

@annakollab2169 3 года назад

lovelovelove! hehe continue to do great! love lots!

@CharmdeLeon 3 года назад

💕💕💕

@airzoom090 3 года назад

I didn’t know this ‘best and worst purchases’ trend existed hahahaha you just introduced me to a new marathon idea bc I’m obsessed

@CharmdeLeon 3 года назад

Yessss! I love watching videos like this!!

@angelasharmainerosales8384 3 года назад

Fave video thus far! ❤️✨

@CharmdeLeon 3 года назад

Oh wow really?? Thank youu means a lot!

@lionheartjhames 2 года назад

thank you for the insight Charm! I learned that investment doesnt have to be monetary. As long as it helps you in any way, it is an investment.

@karenmeetsworld 3 года назад

I could relate with the red eye flights! I did when I went to Singapore and I just slept the whole Day1!

@CharmdeLeon 3 года назад

Right?! Super not practical even it seems like you saved money at first!

@mattdoesntstop 3 года назад

I didn’t know you were also 20! Subscribed just now!

@CharmdeLeon 3 года назад

I’m 26 ☺️ Thank you for subscribing!🤗

@MaryJane-ld2js 3 года назад

Excited to watch this because I wanna purchase something expensive but useful.😁

@CharmdeLeon 3 года назад

Ooohh! Hopefully it will be part of your best purchases list haha

@nimfaadelainedin3815 3 года назад

Ate Charm is super smart sa paghandle ng finance! You deserve a million subs for helping young Filipinos!

@CharmdeLeon 3 года назад

Awwee thank you 🥺💕

@ProfE30 3 года назад

Sobrang bait naman ni Charm. ♥️

@SecretSmokey 3 года назад

AYAN NA LETS GO IDOL

@CharmdeLeon 3 года назад

💕💕💕

@MaryJane-ld2js 3 года назад

I have scoliosis too! And so i was excited to hear about this pillow.. not excited about the price.🤣

@CharmdeLeon 3 года назад

Same thoughts, it took me a while before I pulled the trigger haha

@jenamarienubla6714 3 года назад

Interested to try Tempur! Will save up for it hahah. Also have scoliosis and every night is an episode of tumbling and turning trying to find a good position. And still, i wake up feeling unrested. Also, i really like this video as it really uhm...how can I say this...."humanizes" you...and let's us feel that you also make mistakes and it inspires us that we can also do better despite making mistakes. And it is from these mistakes that we learn and become a better "adult" hahaha. Thank you for this!

@CharmdeLeon 3 года назад

I bought the pillow after a year of thinking about it haha Awwee thank you, that’s what I hoped to achieve. I’m glad it translated that way, I was honestly nervous of being judged or people misunderstanding the video. 🤗💕

@OwnPropertyPH 3 года назад

Oooh... I heard Tempur is really good. I'm trying to save for the Tempur mattress. I totally agree on the red-eye flights that it's not really a good purchase unless I'm traveling with a group of friends and they want to book a budget airline. Oh my! We also had a bad experience with an employee who claimed that she knows how to do bookkeeping and filing. My mom incurred heavy penalties with her business because of that employee. We're the same with the shoes. I just buy one white sneakers then I use them for trips. It's my first time to hear about GOT Ultraboost. Wow! I love your bag and wallet. I usually break my wallets too. LOL I'll make my best and worst purchases in my 20s also

@CharmdeLeon 3 года назад

Yesss! Tempur mattress for my future forever home. Yah, I outgrew red eye flights and realized that they were not the smartest way to go haha Yah, better hire professionals :( Looking forward to your video, Me-an!

@allenceazarlibiran7099 3 года назад

you deserved hundred thousand subscribers..hopefully soon..

@CharmdeLeon 3 года назад

Awweee thank you! Hopefully 🙏🏻

@jennytvph2913 3 года назад

7:25 That was a smart choice for hiring a proper bookkeeper to handle your tax remittances coz it really needed to keep eye on it. But, good to you that you forgive that's why your so blessed!

@AClark777 3 года назад

TUMI is a beautiful brand! Good choice! ❤

@CharmdeLeon 3 года назад

I very much agree!

@pcn_reyes 3 года назад

New subsriber here! ❤️👋🏻

@CharmdeLeon 3 года назад

Heeey! Welcome to the fam

@sebastianluca3907 3 года назад

I'm in the same dilemma with the watches. I was handed a number of watches that need fixing and restoration but I can't find the courage to spend so much even though I know how valuable these watches are. I also don't plan to sell them.

@CharmdeLeon 3 года назад

Oooh! Fun 🤩 There are some worth fixing and some not in my opinion.

@markanthonymuldong3922 3 года назад

You can go to saint Luke's medical center they can straighten your spinal cord

@rashialimbona1078 3 года назад

“This pair cost my boyfriend 6000 pesos and again, I'm really sorry” cutie! Hahaha

@CharmdeLeon 3 года назад

🥺🥺🥺 Guilty parin hanggang ngayon haha huhu

@willalvarez 3 года назад

OMG same sneakers!

@johnmej3951 3 года назад

Sobrang crush ko yung ganyan medyo nerd ang cute mo maam sobra

@Rafael-ye2bs 3 года назад

my worst purchase - too many clothes, some I don't really wear often causing a messy closet, time to declutter

@CharmdeLeon 3 года назад

Clothes and make up is something I’ve learned to control haha but sometimes I give in to sales because I think “I don’t shop that often anyway” but end up regretting and not even really liking my purchases 😂

@Rafael-ye2bs 3 года назад

@@CharmdeLeon you should have a vlog about that like do being a minimalist and finance go well together

@CharmdeLeon 3 года назад

@@Rafael-ye2bs great idea! Thanks ☺️

@markanthonymuldong3922 3 года назад

I i had a cousin that was like u but they will open ur buck up and they will always ask you if you can move your hands they can do it I'm good in accounting math and science and also engineering

@DecalayandMangayaTv Год назад

for me instead of buying expensive clothes and shoes and other stuff. I've waited for the biggest sale and bought my stuff, then some of my money I donated it in some institution that needs money to buy their foods and some are for their education.

@xeanluxcrille6847 3 года назад

I don't think your watch is one of your "worst expenses". If it's special and it's worth every peso you spent on it then it's definitely one of your "best expenses". Especially if it's something you always use. If it's something I purchased but was not able to make full use of or if I eventually forgot it existed and the price is not worth it, I consider it a bad expense. And I have A LOT of those recently.

@CharmdeLeon 3 года назад

Haha, I think it was a great investment but I haven’t used it that much especially with the lockdown 😅 And I love watches, but I acknowledge that the money could’ve been better invested in the stock market for example haha but again, no regrets ☺️✨

@emersonluis5443 3 года назад

And how often do you buy gadegts? Can you make a video for that?

@CharmdeLeon 3 года назад

The only gadget I bought is my phone. Every 2 years because of my plan’s renewal. But I might not buy a phone this year haha

@melodygarin3681 2 года назад

Found the validation I need to finally buy those white sneakers! 😂 Yun lang, promise! 😇

@CharmdeLeon 2 года назад

😂😂😂

@mjyap1996 3 года назад

I just wonder where'd you got the service for your old watch?

@CharmdeLeon 3 года назад

Omega Service store in Ayala Ave

@alonaracelis3327 3 года назад

New subs here 😘

@belle3024 2 года назад

Hi Ms. Charm, Can you recommended me a good bookkeeper?🥲 Thank you.

@theasandra2285 3 года назад

I heard po about taxumo, where you can file your taxes online. :)

@CharmdeLeon 3 года назад

Oh yah they’re also good!

@sheena9854 3 года назад

Hi! What are your thoughts about Cebuana Micro Savings? Hehe

@CharmdeLeon 3 года назад

It’s a pretty basic savings account. Few key details: 0.30% interest (pretty bad) and Max Acct balance P50,000. Read more here, www.cebuanalhuillier.com/micro-savings/

@ryoseikitsune1898 3 года назад

What is an acceptable cost efficient rate for a proper book keeper?

@CharmdeLeon 3 года назад

I think it depends on the size of your business and how often you have transactions? Maybe 5k-20k range per month? Or some do it per quarter.

@ryoseikitsune1898 3 года назад

I file per quarter. I do freelance stuff. Thank you for the reply.

@markanthonymuldong3922 3 года назад

I'm also a nursing

@hellaofafighter 3 года назад

Car should be on the list

@niceanimerecapstagalog 3 года назад

Hi, what do you mean by proper book keeper?

@CharmdeLeon 3 года назад

I hired a staff to do errands for me before and she ended up stealing money and filing fake BIR reports 😔

@niceanimerecapstagalog 3 года назад

@@CharmdeLeon oh, that is really annoying.. but always charge to experience :) . I really love your videos and I will support you. Thank you for sharing these to us. By the way, did you hire again another individual as a book keeper or a company who has a better offer to handle those stuff for you?

@CharmdeLeon 3 года назад

@@niceanimerecapstagalog I hired an individual who really does this for a living.

@niceanimerecapstagalog 3 года назад

@@CharmdeLeon thank you