Paano Ba 'To: "How To Save Money For The Future?" With FQ Mom 

Started my UITF 3 years ago at 23 years old, and although hindi pa siya lumalaki or nagpprofit sa interest as expected, i'm just glad na wow may automatic and forced ipon pala ako without knowing it! 😊😊

I super agree with tip #1 which is "pay yourself first". Again...PAY YOURSELF FIRST! But then the problem is our culture. Lagi tinuturo sa atin is to be selfless. Others first (especially family members) before yourself. But for me, it is not selfish to put yourself first as long as you put others next. Ang selfish ay kapag yourself lang at wala nang iba.

high time that Pinoys learn how to save for themselves. :)

So so true! Kasi pag inuna yong gastos and hopia lang for saving, then bokya ang savings! So save first, and then i-budget and natira! :D

Para siyang si alodia. Even when she's laughing. Gandaaa.

grabe eye opener po talaga siya ☺️ mag iipon na din ako 😊

Nakaka kuha talaga ako ng idea at Aral sa blogs nyo po tulad nito I love it,, god bless you po😉

This is really helpful! I'm only 23 years old, and although i'm not very good with math and numbers, I thank God for making me good at handling my money at such a young age. I live here in Canada and after highschool, while waiting to get into the course/program that I wanted to go in to, I had the opportunity to work full-time for one full year. I have always had the initiative to save my money. Although my mom keeps reminding me to save ALWAYS, but even if she didn't, I still would have made that decision to save money myself. While working full-time, I only earned minimum wage salary, but because I save 50% of my salary, I was able to save enough money to pay for my tuition later on. And I was also able to sustain myself independently once I got in to school from doing part-time work while studying. I took advantage of the fact that I didn't have to pay for rent or anything since I still lived with my parents, to save 50% of my earnings. I was able to put more money to my savings instead of only putting 10-20%, when I can give out 50. Saving is really a good habit to start as soon as you start earning. It wasn't a struggle for me as I was never one who likes to shop or buy things all the time. The only thing I splurged on was food, but again, I spend always within my budget. Because i've always been this way, I actually thought everybody automatically does the same thing- until I noticed my fellow young co-workers freak out everytime our cheque would get delayed, as they have already emptied their money out thinking it's already 'payday'. They asked why I wasn't worried and I told them, I budget my money so I still have some left; enough to last me for however many days until I get my pay. I also have credit card on the side which I only use for larger purchases that I know I can still pay at the end of the day, but an amount of money I cannot give away for now. That was the only purpose for my credit card. PLUS! I have savings still! So really, lots of money for me to spend just in case things go bad. And when I told them that, only then did they consider starting to save as well. Haha!

This ia very helpful. Im almost at my late 30's and it's just lately that I realised the value of saving. Malaking factor ang culture natin na nagtuturo na ibigay lahat sa family if not.. Madamot ka. I do hope that somebody from the govt na mag push na gawing part ng curiculum ang ieducate ang bata about savings. This way.. Lhat matututo not just selected few.

I love how everything was simplified yet very detailed! Thank you! ❤️

THIS IS JUST SO TIMELY!! For a fresh grad and now having my first job, grabe nagbabasa-basa ako online w/ re investments. Then dumating 'to video mo! Thank you, Super Bianca!!

Financial literacy is very important. Thank you for this video!

FINALLY!!! Ate Bianca, I swear after reading your Paano Ba 'To book ginagawa ko yung how to save your salary properly!!! ❤️❤️ and sobrang effective siya!!! Thank you so much.

I don't usually write comments sa yt but today, Di ko lang ma.explain bakit halos lahat ng topic ni Ms Bianca tugma sa mga naiisip ko,sa pinaplan ko palang or sa mga bagay2 na bigla ko lang tinatanong sa sarili ko on the same day na makapg.upload ng vlog si Ms Bianca.Just like sa topic na depression, questioning myself regarding sa achievements and now ito naman. I'm thankful kasi feeling ko may sumasagot sa mga katanongan ko kahit thru vlogs 😊, Thanks Ms Bianca.👍

Very relevant to all Filipinos .. Haaay savings talaga dapat regular

I am so happy and thankful sa mfa vlogs mo. Nagiging practical ako in life because of u and ur content. Ur an inspiration hanga ako sa mga guest mo kase gagaling nila mag advice. I share your vlogs to my friends. I am endorsing you to them kase malaking tulong talaga. Godbless to you and your family ate Bianca. I hope mabasa mo to. Love you💛

can you believe i watched this thrice and im working for almost like 8 years and havent saved any. thank you for enlightening me about stocks , long term funds, short term funds, emergency funds , etc... please do another video tackling how to save money :)

Super helpful 😊👌🏻

Ang dami kong natututunan di lang sa vid na 'to pati rin sa mga previous videos. Keep it up Ms. Bianca 👍

OOHHH I RANDOMLY SAW THE BOOK IN BOOKSALE AND I WENT OVER MY WAY. NOW I WANT TO BUY IT REAL QUICK. THANKS FOR THIS VIDEO :)))

Super love this topic. 😍😙 thank you Ms. Bianca. Every morning akong positive and motivated sa mga videos mo. I watch it while i drink my coffee. Continue inspiring the youth. More power pa sayo! Yaaaaasss.

Very informative! Love the content. Nakarelate ako dun sa Stock Market. Because finally, I can call myself na as a Stockholder hehe. More topics like this, Ate Biancz. ☺️ God bless you.

Grabe ang dami kong learnings from this video. Can’t wait to save for my future self and family. Especially for us OFW, when money is earned fast but sad to say madali ding nauubos. I guess I need to train myself to learn how to prioritize.

I dont understand you still havent got a hundred thousand subscribers yet. he he . So mant lessons to grasp and yu just deserve all the great comments, Bianca! Keep comming

This is really a valuable topic Ms Bianca lalo na pag may mga anak ka na. Everything she says is true. I follow the same rule: pay myself first through savings, have short term like emergency funds & vacation funds & long term investments like college fund for kids, retirement funds for me & my husband. Hirap kasi sa ating mga Pinoy hindi tayo masyado tinuturuan ng mga parents natin about saving money. Mostly ang mentality natin “one day millionaire” tayo. Hanggat my pera hala gastos all the way even to the point na mangugutang pa sa luho lamang. Hindi tayo sanay sa “delayed gratification.” It took me years to realize this kaya ngayon I made sure na my kids know the value of money. Hindi sila sanay sa luho or material things.

Thank u for this episode Ms. Bianca and Ms. FQ Mom.. life saving.😊😊

I'm 20 and I am very thankful for this channel. This educates me a lot. More vids from you Ms. Bianca!

I remember watching this during the first days of my working life. Now, re-watching this coz I badly need it! Thanks for this, Bianca! Hope you make podcasts soon!

Hello to all the viewers of Bianca. I’m glad that you guys found our short chat helpful. If you’re interested to learn more about this impt 21st century skill we call FQ (Financial Intelligenice Quotient) I Invite you to read the FQ Book as it will guide you through. You may also visit FQ Mom you tube channel, FB Page, IG, and website FQMom.com. Wishing you all a high FQ and a happy life! 💚

I learned a lot from her! She’s so galing!!!

I’ve been working for 5 years and single. This is an eye opener for sure. Good Lord.

been a fan since u start blogging til u vlogging.. keep it up superbianca

Sobrang timely ng video na to for me.! I've been thinking of what investment to make, kasi over the years that I am saving, its all for short term needs, haven't really saved for the future / retirement. Thank you Ms B!

Very helpful.Saving money for the future is really important.But the most rewarding and my motivation of working so hard is not how much i can save,but how much i can share.Thank you miss bianca for this super nice topic.

Thank you Miss B! 😊 Another awesome video with Miss Rose Fres-Fausto! 😎 This is definitely a sign! 😍 More money matter talks ulit! 😁 Love it! 😍 Learned so much & as yuppies we need to start early. 😊

I do really like all the things she said. I must share this t everyone lalo na sa family ko para lahat kami makaipon. Thank you ate biancs for being an instrument na malaman namin yung ganyang bagay =)

we tend to forget or take for granted the "long terms" in all aspects, (pati na rin sa love life. charot!) very true, thanks for this ms. Bianca and ms. Rose!

Very informative ms. Bianca.. sana may video.din kaau tungkol sa insurance kung worth it bang mag-avail at kung worth it naman anong life insurance ang dapat tangkilikin??

Hi Bianca! Oh wow! Just saw your make up tips for morenas and I loved that episode. Short, quick and practical tips....and I ended up subscribing to your channel and has watched more than 5 episodes straight! I just needed to let you know how happy I am with your episodes! Super super natural and practical. Keep it up!

Tagal ko pong hinintay to ate biancs 😍 god bless po

Very informative

Ate bianca please make. A Video about gossips sa work. Like my coworker palaging nag gossip and i dont like it kasi sinisira-an nya yung ibang tao and ive been there. May isang tao na siniraan ako tapos yung reputation ko nasisira na to the point na im thinking negatives thoughts sa sarili ko . :(

Hi ms bianca! I love your content! :) I just observed that you keep on facing the camera instead of your guest and sometimes your guest looks at you while explaining but you are facing the camera.. i dunno it's a little bit off. Maybe you should face your guest more when interviewing them? :) Hehe! I hope you take this as constructive criticism.

Ate bianca, thank you sa video na to. I started saving money for stocks nung nasa college pa po ako but we stopped ng ate ko kasi biglang bagsak but we want to start investing again in stocks this year or next year. So thankful that this video is posted for awareness na rin saming nasa mid-20s lalong-lalo for our future. Love you, Ate Bianca. God bless.

I really love how relevant this topic is!! Hope there’s a part 2! Maybe to elaborate more on other forms of investments (and how to save for long-term) especially for people like me who are not interested in stocks ✌🏻

Thanks B! This is very helpful. Hope you will consider this for your next video, "Paano ba malalaman kung ano mas nag we-weight? Yung maganda ang salary pero toxic, or good environment pero the salary is sapat lang or minsan tight pa sa budget." Thanks Bianca!💖

Very helpful!! Guilty ako dun sa pagdedelay kasi hindi pa naman urgent. I'll keep this in mind. :) Hindi nadidiscuss yun index investment ng mga ibang bank na nagooffer ng investment.

This is really helpful. Specially when your trying to figure out how will you handle your money. Also, it is a looot different when you're already working. I personally has my own way of budgeting my money but still struggling a bit that is why I really appreciate this video. Will definitely visit FQ Mom's website. Hope there is an icon there where I can also ask question because after watching this I've realized a lot specially saving for my son.

Just wow

I love this topic! Super gusto ko mag-invest but also takot to actually do it simply because hindi ko alam saan. Will definitely check out the book and website. Thank you so much for this! I hope you continue producing quality content. ✨

I am so happy with this content. I've always wanted to learn about those things but I didn't know whom to ask. Thank you for this. Keep them coming please.

Wow thank you so much for this video big help po talaga 💕

I wish I had learned this early in life.

I agree everything on this video. I finally started investing and it's not as intimidating as i thought it would be. My financial advisor have been really helpful and the set-up for automatic deduction was quick. Something I don't have to worry about every month. It's very neat to see how my money is growing. Now I wish i started when I first joined the workforce but it's better late than never.

More money topic bianca. So informative. God bless you😍

Parang kinabahan ako sa topic hahaha pero super helpful niya ate Biancs, ito ang pinaka kailangan ko na advise ngayon hahaha Thank you for this!! 😅😉

NA INSPIRE AKO MAG IPON BUKAS AGAD AGAD!!!

Love the advise!!! Thats the time i understand financial terms. It learn alot from my end!! ☺️

This is very inspiring. Thank you Bianca!

Wow! This is so educational! :)

wow. dami ko natutunan this night. will surely do your advices. thanks for sharing :)

Truth start early retire early/rich..... I’m on the right track

Very informative!! Thank you super bianca!! 😍 Nabitin ako hehehe.

ang fresh naman nung madam rose, she looks very young..

I love this topic :)

I totally needed this! So great!!

Very informative and I love how she speaks. ♥️

Thanks for this Miss Bianca! I always read her column in Philstar 😍 (sadly, our company banned the website haha 😂)

very informative and an eye opener..thank you!🤗

I love this so much, Bianca! I've started investing since I started working and I'm looking forward to the benefits hehe

Been waiting for this topic to be raised. Thanks for the learnings...

This is a good video but it fails to disclose that equity index fund entails also risks. As a rule, the higher the return, the higher the risks. Friendly advice lang po :)

I love you and your vlog, Ate Bianca. You're a lifesaver.

So nice this episode miss b, cool ni mam rose ❤❤❤

Thank u for this Ms Bianca Very Helpful! ❤️ and timely talaga yung ganitong topic 😊 I Love your channnnel po

This is so informative! Thank you ❤

Super relevant and timely. Thanks Ms. B. Love lots from Singapore.

Ms.Biancs thank you sa channel mo super helpful 😊😊😊😊

Moreee of this plesseee...😊😊

Very informative content ms.B 👏👏👏

Super Helpful~ Thank you so much~ Just subscribed. Looking forward to more videos~

Wow!!! This is a greay help!!!! Thank you ❤❤❤

I'm actually planning to buy stocks this year..thank you for this.

I hope there will be more discussions like this... thanks Bianca!

The way she said it... pay yourself i was thinking of gifting urself like buy some materialistic stuff to reward urself for ur hardwork or pamper urself for ur hard work

Ahhhh! So helpful!!! 💖💖💖

Wow wow wow. Very informative. Salamaaaaaaaaat. 💕💕💕

Wow!!! This is so inspiring!!

This is so helpful for starters like me!

FQ mom ftw🙌🏻

Another inspiring video

Very helpful. How about the people who have insurance account or want to open an insurance account?

How to deal with people na hindi makatanggap ng pagkakamali. Pag mali sila laging sinisisi ang ibang bagay or tao sa kasalanan nila. Paano ba to?

I've learned a lot , more about investing ate bianca ❤️❤️

This is very informative! Love it! From Dave and Joanne #MrandMrsB ❤️

Love this episode!

thank you for this! very timing sa pinagdadaanan ko 😊

Very inspiring

Very on point.

Thank you for this!!!! 😊😊😊