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.
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 :)
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.
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.
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'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?
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 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. :)
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
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!!!
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 😅
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
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!
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.
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. 😅
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!
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 ☺️
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!😊
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...
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 🤔
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.
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
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)?
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 ua-cam.com/video/L4GQeXXGA50/v-deo.html (you can check the time stamps to go to those parts)
Im 16 pero gusto ko na talaga mag ipon dahil may trabaho naman na ko pero wala akong maintindihan ni hindi ko alam kung ano pag kakaiba ng debit card sa check book ambobo ko naman 🤣
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
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.
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.
Yes! Financial literacy should really be part of our basic curriculum
Oh my i think so too☹️ this thing how to manage finances should really have taught in school
Finally a young filipina with a plan in life💖
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 :)
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.
For this Holiday, i will study and plan for my personal finance.
❤️❤️❤️
Great video!
Thanks, sir Marvin! ☺️
@@CharmdeLeon keep on pushing
@@CharmdeLeon dm me in IG please!
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!
Yes! I use spreadsheets for everything but it looks nice also on the planner! Haha 💕
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.
@@peterestevanez4258 yes I mentioned here na I got inspired by his video that’s why I did this!
@@CharmdeLeon you basically covered everything. kaya nakakatuwa lang and nakakainspire.
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!
Alelee Alvarez yes! I’ve actually been wanting to make this video! Thank you for the prompt 💕
I agree to this!!
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?
Do you also invest in cooperative? If yes, We would love to hear about it for the next content.
Thank you and Godbless 🙂
wooohooo cebuana😀😀😀😍🥰 new subscriber here
Omg sample spreadsheet is life! Hoping to be approved sa group. 🙏🏻♥️
Hello Camille Pallera done! ☺️
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 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. :)
🙏🏻☺️❣️
Interesting! Good job! Be careful of your security tho, social media dangers u know, but this is a nice vid!
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
I wish I had found your channel sooner!! You inspire me to manage my finances better. Thank you for sharing your knowledge to us 💖
I don't track my spending. I just save/invest 70% of my income, then spend 30% for needs and wants.
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!!!
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 😅
mostly-posting-comments yesss! I love the app I’m using but I really still prefer spreadsheets 😅
Thank u for financially guiding us, you are like a sister I never had! Thank you, and hope u get well!❤
Czee D thank you! Definitely feeling better now! 💕
Am 29 and gonna start my spreadsheet tomorrow morning... inspired by these young people..😊❤
I’m turning 28 haha magkalapit lang tayo ☺️
My dream CC 🥰
Thank you so much for this informative video. I do tracking my expenses but a bit mess. You gave me an idea especially about the spreadsheet. 😍😘
I'd like to bullet journal but I don't think I can make it as aesthetically nice as I'd want it to haha I use Excel to track my expenses. Great video!
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
Thanks for introducing Monefy!! Super convenient and easy to track my expenses. Will download your tracker to really up my finance tracking!
it's interesting! It made me curious, and eager to learn about personal finances 😊😉
I’m glad!!
Gusto ko din gawin yung net worth! I feel like accounting lang ito nung nag aaral pa ko💖
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!
Thank you 🤗
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.
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! ua-cam.com/video/cGx_K3cmIHg/v-deo.html I really go through that process each business I start ☺️
Thanks for this miss charm! Took me out taga Cebu raka 😂. Still new to your channel, but so far pinaka doable imo financial advices. Keep it going!
Informative ❤️
Paano po yung couple/ joint account?
Just make an and/or account, this can be with anyone.
What’s the difference po between savings and emergency fund?
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!
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 ☺️
What a great video while the year just started. Thanks for making this video. I love your videos.
Thank you! 🤗 ✌🏻
Gusto ko din magkaroon ng maraming card. Kaso baka di malagyan lahat hahaha
I am from Europe, but still finding your channel useful. Thanks for sharing your personal finance system.
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: ua-cam.com/video/BwsAaksGrZo/v-deo.html and ua-cam.com/video/rv_5mfFBqWQ/v-deo.html
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...
OMG thank you!
This is very helpful. Thanks!
Right now im using credit cards with no snnusl fee for life
I can't find your sample spreadsheet on fb na 😭😭🥺
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 🤔
Is a passbook only bank account better/safer than ATM? Thank you!
Any feedback sa IMG
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.
I’ll be doing an Insurance video very soon! Maybe 2 videos! ☺️
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
If you opened UpSave first, you can’t open a GSave acct anymore :(
Very informative. Thank you so much!
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)?
Yes! For small amounts, it’s great! For 52-week challenges, coins, etc (maybe less than 100k so hindi sayang the potential growth)
hello ate charm! super helpful ng vids nyo. u've mentioned facebook ads can you give a short tutorial on how to set it up? thaanksss
Your videos are helpful. Keep going 💪
Thank you! 🤗
Very great video! I even follow you on instgram :)
Nice ka! 😍
Been using monefy pro for 2 years already 🤩
Ma'am ano po ung sunglasses mo? gusto ko sya 😍 May link po ba kayo?
LOVE THIS CONTENT
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 that’s super good that you have emergency funds and maybe try sinking funds also to help you get through those things ☺️
@@CharmdeLeon thank you you! Do you have a lesson about that in your videos?
Rafael I talked about emergency funds, managing debt, etc on here ua-cam.com/video/L4GQeXXGA50/v-deo.html (you can check the time stamps to go to those parts)
I am curious, what do u do aside from youtube (profession, career?). I like your content, btw :)
Business owner. My entrepreneurship journey is here: ua-cam.com/video/I4yBhnYLl7g/v-deo.html
I love your journal!!! Did you buy it somewhere? Please reply with the link if you did!!
I made it! Selling my planner very soon on Shopee!
ENJOYIN WATCHIN U
can I ask po what do you prefer more, CIMB or ING thank you po
I actually love both for different reasons. ING for the interface and check deposit and CIMB for the higher internet and GCash link
If you bought a faem lot pero binabayaran mo pa rin monthly, its still considered as liability pa no? Or pwede na sya ilagay sa asset column?
Both. Asset is the whole value ng lot, liability is yung utang mo (total na babayaran mo pa). Asset-Liability= Net Asset Value
Where did you buy your bullet journal? Looks nice!
Free from Starbucks! But any Notebook will do, i make my own tables and such
Thank you for this one! Helps a lot. Want ko din maraming card 😳
As long as paid lahat in full every month, go go!
Templates!! Need!! 😩
new subscriber here ☺😍
Thank you so much for the helpful advice!!
great way to start my 2021! thanks for sharing this! :)
Im 16 pero gusto ko na talaga mag ipon dahil may trabaho naman na ko pero wala akong maintindihan ni hindi ko alam kung ano pag kakaiba ng debit card sa check book ambobo ko naman 🤣
Di naman. Normal lang yan, we didn’t study it in school kasi
Hi Ate Charm! Thank you for this video. It is indeed very informative, I didn't even noticed that it is 19 minute long. 😅😍
Personal CH 😅😅 thank you! I tried to trim it down the shortest I can haha
Nice it is very important that we know how we track our expenses and budget
I want to learn doing the spreadsheets thing. Thank you bec all your contents truly add value. Every video gives me new learnings, big or small.
Hello Achi Charm❤️. You really inspired me on how I track my finances and all adulting stuff😘
Yay! I’m so glad 💕🙌🏻
Pwede ba gamitin ate debit card Ng landbank sa pagtrading?sorry beginner lng po.
Great contents!💓 This is very informative and helpful especially for young professional like me. More videos.❤️
Lalaine Avendaño thank you! Glad you found it helpful! Feel free to let me know other videos you want me to do! ☺️💕
New Subbie here, thanks for the tips po 😀
Yayy!!! Do you have template for this one that we could DL? 💋
Yes! It’s pinned in the group. Https://facebook.com/groups/ready2adultph
@@CharmdeLeon yahoo! Ill join the group, tysm!
I love this! Thanks a lot! Will try the monefy app :)
hello! I'm Roy. I just want to know if you have already uploaded a video regarding the investment process in PSEi. Thank u you!
Roy Vispo hello! It’s in my IG story highlights (how to open a COL acct) but more stock market videos soon for sure!
@@CharmdeLeon What's your instagram account po?
Roy Vispo @ready2adultph
just wondering why you chose those credit cards that have annual fees? 🤔
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
wanted to download the budget template sana kaya lang wala akong Facebook 😅
Are u perhaps a CPA, Charm? I can totally relate to your finance tracking. I have one also. I'm surprised kasi pare pareha ra jud. Daebak!
I’m not a CPA-business owner (& non-practicing architect)
@@CharmdeLeon wow that's amazing Charm. Hehe abi jud nako CPA ka😁
@@annkuku7779 CPA ka noh? ☺️
@@CharmdeLeon Hihi uu😁
Nicole sent me to watch your videoooo
Hello bread fam ! 🍞
Am I weird for thinking she's attractive?
Ms, is it good and safe po ba to put my 50k on my gsave Cimb?
💯❤
Late to watch cos busy but Hiiiiiiiii 💜👍🏼
tie jai hi, Jud! Haha new name on YT ah. ☺️💕
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.
@@CharmdeLeon thank you for answering. Couldn't agree more. 😅 Sa huli kasi ako pa yung nahihiya. Hahaha
Pj tips same! And it’s mentally and emotionally draining din sometimes 😓
Anong bank po ba ang malaki ang tubo to savings
😍😍😍
Budget template is dope
Thank you!!
Thank you for sharing Ms. Charmaine!
Thanks for guiding us
Emer Luis 🤗🤗
Taga cebu po kayo?
Yes!
Talk about investments and insurance pls. 😍
Alea Jewelle Araneta one of those is coming up in 2 weeks 🙊☺️
@@CharmdeLeon I'm excited po! ❤️
How to track net worth?
Updated video and free templates here: ua-cam.com/video/GcVsfa7CAn8/v-deo.html
So close to 5k!!! Gooooo Charm and thank u for this vid! 💞
Anna Sanders thanks, Ann! 💕 lageee almost na