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 :)
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.
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!
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.
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. :)
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!
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
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
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!!!
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!
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 😅
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. 😅
Mylene Ivy Cojuangco i shared my process here! ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-cGx_K3cmIHg.html I really go through that process each business I start ☺️
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.
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.
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
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?
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!😩
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 ☺️
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 💖
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 😂)
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...
Rafael I talked about emergency funds, managing debt, etc on here ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-L4GQeXXGA50.html (you can check the time stamps to go to those parts)
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!😊
I have these videos: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-BwsAaksGrZo.html and ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-rv_5mfFBqWQ.html
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)?
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!
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?
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.
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...
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
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!
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 😊
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 🤔
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 😂
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.
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 😊
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
