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

Charm de Leon
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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
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 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

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5 авг 2024

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Комментарии : 123   
@CharmdeLeon
@CharmdeLeon Год назад
For those asking, this is the wise I’m talking about: wise.com/invite/i/charmained64
@jamie3226
@jamie3226 Год назад
Idol yung sa business din sana
@kc5169
@kc5169 Год назад
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
@Antoniovieira2792 Год назад
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
@carmindaAntunes Год назад
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
@Wellingtonluzia3 Год назад
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
@desmondeddy1750 Год назад
@@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
@jamesdrew296 Год назад
@@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
@desmondeddy1750 Год назад
@@jamesdrew296 >>>>>> *PATRICIA DRITA JOSEFINA* is the coach that guides me
@vivienmaeclemente4630
@vivienmaeclemente4630 21 день назад
I love it all, starting to create my own personal finance system.
@malts100
@malts100 Год назад
Wooh! ang galing talaga!!! nice :)
@jchung5066
@jchung5066 Год назад
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
@dev.jessicabonzo
@dev.jessicabonzo Год назад
up rin for the networth topic!
@blackpinkblinks2095
@blackpinkblinks2095 Год назад
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! 😊
@ishregodos
@ishregodos Год назад
Hey Charm! I have a question. What's your take on Cooperatives like FICCO?
@jeffreycaspe
@jeffreycaspe Год назад
WoW Nice
@YasinNabi
@YasinNabi Год назад
Success come with hard work, failure comes with taking easy. BTW:: this is a wonderful video, a fellow creator
@YourKarenCy
@YourKarenCy Год назад
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! 🙌
@ppppaz6023
@ppppaz6023 Год назад
Gwapaaaa
@ManangAnn87
@ManangAnn87 Год назад
idol😊😍
@johnwilfredsaylon9131
@johnwilfredsaylon9131 Год назад
Hello, do you have idea how can I convert my straight payment to install for BDO cc?
@travelwithpao2x
@travelwithpao2x Год назад
hello ate Charm. do you have a podcast series?
@stephanuietvofficial2760
@stephanuietvofficial2760 Год назад
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
@beryljolynmariano614
@beryljolynmariano614 Год назад
Love the video 🥺
@CharmdeLeon
@CharmdeLeon Год назад
Thank you! ❤
@user-zm8nd8iq1m
@user-zm8nd8iq1m Год назад
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 :((
@michellezugor1681
@michellezugor1681 Год назад
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.
@jackspicer455
@jackspicer455 Год назад
Pwede na po kitang tawaging master😆.
@cessdelavictoria4791
@cessdelavictoria4791 Год назад
Ma'am ang ganda po ng lalagyan ng unionbank business card nyo. Pwede lang po yan hingin sa bank mismo?
@elro2590
@elro2590 Год назад
wise!
@AmirChristopher
@AmirChristopher Год назад
yeyyy new videooo thank you for thissss 😊😍
@angelsantuele4679
@angelsantuele4679 Год назад
Pwede po ba magrequest ng video tungkol sa insurance na dapat meron ang isang ofw
@truytayaba2415
@truytayaba2415 Год назад
Wise is good. You may consider Skrill also
@CharmdeLeon
@CharmdeLeon Год назад
I've heard of that! Parang hindi pa available sa PH? (last time I checked)
@shapingbetterminds
@shapingbetterminds Год назад
salamat po sa another learnings. Great video. Sa lahat ng nanonood nito magimprove rin sana ang finance ngayon taon. ❤
@xamerdin2672
@xamerdin2672 Год назад
Hi po Ate. Na-amaze ako sa mga video mo. I want to be your good friend and other good celebrities.
@kylemerker484
@kylemerker484 Год назад
tєlﻮг๓™MEERSHI Tell her i directed you to join and participate in the new investment, thanks for your comment¡
@xamerdin2672
@xamerdin2672 Год назад
You're welcome po.
@Agent_Zer0
@Agent_Zer0 Год назад
6:50 ano po issue sa GSave attached to Gcash?
@jasonpalma1552
@jasonpalma1552 Год назад
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
@katrinapineda6873
@katrinapineda6873 Год назад
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
@CharmdeLeon Год назад
Yes. You can chat their CS on FB to clarify also for yourself (in case may nag bago)
@jairahfelix8784
@jairahfelix8784 Год назад
Hello. just clarifying po.. You keep 2 accounts for your businesses? 1 for savings (for future purposes) and 1 more for expenses? 😊
@CharmdeLeon
@CharmdeLeon Год назад
Yes! At least 2, but usually more talaga haha
@lielasado2421
@lielasado2421 Год назад
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
@getitcoph
@getitcoph Год назад
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!
@freedman1405
@freedman1405 Год назад
Is it still wise to have an account with traditional banks when digital banks are better (in terms of interest rates, liquidity, etc.)?
@CharmdeLeon
@CharmdeLeon Год назад
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.
@marorange8720
@marorange8720 Месяц назад
Sa dami ng banko na meron ka hindi mona alam saan ka magdeposit same here! Hahaha
@gratefulD
@gratefulD Год назад
🌼
@chester1467
@chester1467 Год назад
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
@CharmdeLeon Год назад
Yes! I forgot the term but parang local bank transfer nalang for them, or lie ACH?
@antonpogi2927
@antonpogi2927 2 месяца назад
Hello, do you have any videos regarding your insurance/s? Thanks. Learn a lot about your videos.
@CharmdeLeon
@CharmdeLeon 2 месяца назад
Here: ru-vid.com/group/PLX5F5fa6EHdq0fCY9ehomzPNaUoYekLkP&si=uIIlatA0WwBY5b9U
@asleasanggacala3741
@asleasanggacala3741 Год назад
Paganda ng paganda ka po talaga Miss Charm😍
@lestergandionco9183
@lestergandionco9183 Год назад
Whats the point of showing your spreadsheets if you are just going to blur some of it ?
@cherrylayoso706
@cherrylayoso706 Год назад
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
@kylemerker484 Год назад
tєlﻮг๓™MEERSHI Sabihin sa kanya na inutusan kita na sumali at lumahok sa bagong pamumuhunan, salamat sa iyong komento!
@keirapascual5425
@keirapascual5425 Год назад
do you loan like apart from credit card? when is it okay and how much etc. do u have a vid na?
@CharmdeLeon
@CharmdeLeon Год назад
I don’t but I will for my condo. No video about it yet. Soon!
@ghinovirata
@ghinovirata Год назад
moneylover mas ok nasa cloud ung data kahit magpagawa ka ng phone
@luckielaniedumaboc8293
@luckielaniedumaboc8293 Год назад
Very helpful vid 😊 any thought about seabanks po?
@CharmdeLeon
@CharmdeLeon Год назад
Been loving it! Most digital banks are amazing. Game changer sa money system ko
@angeloarcangel8285
@angeloarcangel8285 Год назад
The more I watch and listen to you, you kinda look and sounds like Tuesday Vargas. I meant that as a compliment. 😉
@francinetorrilla
@francinetorrilla Год назад
If I am based abroad, will application for digital bank be difficult? Do they require the applicant to be Philippine based?
@CharmdeLeon
@CharmdeLeon Год назад
There are a few digital banks that are specific for OFWs, I think OF Bank is one.
@francinetorrilla
@francinetorrilla Год назад
@@CharmdeLeon oh thank you for sharing this info. I watch your videos because I need Financial advices. I cant seem to save up 🥺
@shxxpxnxy4771
@shxxpxnxy4771 Год назад
Hi ,OFW here. I have Unionbank and Ofbank 💓
@francinetorrilla
@francinetorrilla Год назад
@@shxxpxnxy4771 i cannot access OF bank 😦
@rhen64
@rhen64 Год назад
Hello can you also send link for OF bank 😊
@floramaybacus1427
@floramaybacus1427 Год назад
How do you earn Crypto from your bills paid in Paymaya?
@CharmdeLeon
@CharmdeLeon Год назад
Parang hindi kasali bills. Only if you pay via QR, log-in, or maya card.
@yaniancoder
@yaniancoder Год назад
May promo sila ngayon. Sept 1-30 tungkol sa pay qr and free bitcoint. Check lang sa maya web
@kurisuchiinu1206
@kurisuchiinu1206 Год назад
This helps! Hoping to watch your review regarding SeaBank and Wise!
@eleynaaa
@eleynaaa Год назад
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.
@abbyvera44
@abbyvera44 Год назад
Sayo dummy account is yung BDO virtual, for me ay yung gcash ko kasi madaming fraud dun 😂
@chocomeena
@chocomeena 9 месяцев назад
Hello po, may suggestions pp ba kayo kung saan bank maganda ilagay ang emergency fund?
@user-zn4mr3hd1w
@user-zn4mr3hd1w 9 месяцев назад
(2)
@mrvincentpogi
@mrvincentpogi Год назад
Gumaganda ka hmm 😁
@alexursua9348
@alexursua9348 Год назад
paanu un walapa ako credit card paanu mag avail
@kylynmrls
@kylynmrls Год назад
How do you apply for BDO rewards card?
@CharmdeLeon
@CharmdeLeon Год назад
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
@rheavillarin597
@rheavillarin597 2 месяца назад
How about yung template ng spreadsheet po
@dhanhamila
@dhanhamila Год назад
Hi ma'am how to deposit in komo without fee? Thank you!
@queenbakikay5757
@queenbakikay5757 Год назад
Off topic. Hawig mo po si Tuesday Vargas.
@CharmdeLeon
@CharmdeLeon Год назад
I hear that a lot haha
@lorelailuthorkar-el137
@lorelailuthorkar-el137 2 месяца назад
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
@CharmdeLeon 2 месяца назад
Yes! I've been doing it for 5 years! Haven't changed it much
@renzregencia3547
@renzregencia3547 Год назад
Yes to Wise! I've been looking for a PayPal alternative. Cheers!
@CharmdeLeon
@CharmdeLeon Год назад
Super! I keep telling people ang mahal ng fees ni PayPal lol
@roywanders
@roywanders Год назад
Does the BDO Virtual Card come with a separate SOA?
@CharmdeLeon
@CharmdeLeon Год назад
Nope! Connected lang sha
@operativealyssa
@operativealyssa Год назад
Yay for an updated version! 🙌
@aprildomingo1315
@aprildomingo1315 Год назад
Started tracking my expenses after this. Hopefully, I will try my best to discipline myself and commit to it. Thanks for this!
@CharmdeLeon
@CharmdeLeon Год назад
Woohoo! Cheering for you
@atinpropertymanagementandt2542
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.
@rijinomi2699
@rijinomi2699 Год назад
how many bank does a person need? a guy with no bank account and no knowledge of it pls and thanks
@CharmdeLeon
@CharmdeLeon Год назад
It depends on you but you can start with 3. 1. For operations (monthly expenses) 2. Emergency fund 3. Other Savings/For investing.
@rijinomi2699
@rijinomi2699 Год назад
@@CharmdeLeon thanks for replying. i will be sure do it now .. i will let u know
@cherrylayoso706
@cherrylayoso706 Год назад
Teeth na lang mayroon na akonh salamin nakita ko na ang optical salamin ko kaya teeth na lang
@charlie6751
@charlie6751 Год назад
Can you spend some money for some fresh paint on the wall behind you it's a very depressing colour
@CharmdeLeon
@CharmdeLeon Год назад
No, thank you. I like my walls the way they are.
@cherrylayoso706
@cherrylayoso706 Год назад
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
@EV-dh2ow
@EV-dh2ow Год назад
Hi Charm, thanks for this video. Can I have the link for the sea bank?
@CharmdeLeon
@CharmdeLeon Год назад
seabankph.onelink.me/RMD2/cwkhsv35
@eiansymobile7988
@eiansymobile7988 Год назад
Hi Charm, may I ask how you learned how to have an Airbnb business? Did you attend any workshop/seminar?
@CharmdeLeon
@CharmdeLeon Год назад
Mostly RU-vid and self study lang
@daveed6281
@daveed6281 Год назад
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!
@pathsethealthcare
@pathsethealthcare Год назад
Great video and a lot of informative financial topics especially for the younger generations1
@dev.jessicabonzo
@dev.jessicabonzo Год назад
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! 🥺♥️
@jingyr
@jingyr Год назад
Yes please re.Wise video for freelancers like us. 😁 Thank you. ,😃
@christking2206
@christking2206 23 дня назад
.
@cherrylayoso706
@cherrylayoso706 Год назад
Time line liaising ko ang buhok ko good bye thank
@kylemerker484
@kylemerker484 Год назад
tєlﻮг๓™MEERSHI Tell her i directed you to join and participate in the new investment, thanks for your comment¡
@pomp4401
@pomp4401 Год назад
Bakit paulit2 yung contnte mo. nakakabired na
@nikkosalvarita4946
@nikkosalvarita4946 Год назад
Ang bilis mo magsalita po
@CharmdeLeon
@CharmdeLeon Год назад
Hahaba kasi masyado yung video eh hehe
@therapist_ansit9428
@therapist_ansit9428 Год назад
Blah blah blah
@ReynoldJrOdon
@ReynoldJrOdon Год назад
how i manage my money i use maya gcash rcbc trust wallet meta mask wallet and binance
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