HOW I MANAGE MY MONEY | Personal Finance System 2024 | Banks, Cards, E-wallets, Spreadsheets 📊💸💳
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.
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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 – https://www.cimbbank.com.ph/
• Seabank – Use code: CD401778
• MAYA – Get p50: https://p85qk.app.goo.gl/4M9Y // code : 42625QML56P0
• GCASH – Get p70 worth: https://gcsh.app/r/oNETIx5
• MONEFY – http://www.monefy.me/
• ShopBack – Get P100!: https://app.shopback.com/phl?raf=pkpsnX
• Citibank Credit Card 💳 https://bit.ly/ApplyForACitiCC
• Crypto.com – https://crypto.com/app/ready2adultph
• WISE – https://wise.com/invite/i/charmained64
• UnionBank Credit Card – https://bit.ly/UBPRewards
►Sources/Links
FREE Downloadable Template ► https://bit.ly/BudgetingTemplate20XX
Let’s Adult Planner & Book ► https://shp.ee/3k5w4hv
Subscribe to the new Ready2Adult Ph here : https://www.youtube.com/c/ready2adultphilippines
► Previous Videos :
DIGITAL BANKS/HIGH INTEREST SAVINGS ACCTS ► https://youtu.be/19huIa7BxWY
WHAT’S IN MY WALLET + MY CREDIT CARDS ► https://youtu.be/ZMwlohThsLA
CREDIT CARDS FOR BEGINNERS ► https://youtu.be/gYtCLmcy65U
TOP APPS THAT HELP YOU SAVE MONEY ► https://youtu.be/rHbdyaQ2aZQ
►Socials
Instagram: https://www.instagram.com/deleoncharmaine
TikTok: https://www.tiktok.com/@deleoncharm
Facebook Page: https://www.facebook.com/charmdeleon
Facebook Group: https://www.facebook.com/groups/ready2adultph
Email: hello@ready2adultph.com
https://www.youtube.com/CharmdeLeon?sub_confirmation=1
► Music Credit: DJ Quads
Track Name: “IT’S NEAR”
Music by: Dj Quads @ https://soundcloud.com/aka-dj-quads
Official YouTube Channel HERE: https://www.youtube.com/channel/UCusFqutyfTWRqGhC8kHA5uw
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:
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I am short of words to express how much I appreciate *Ricchdawg* TLG efforts in holding me closely, through my hard times.Thanks so much for putting me thru all the credit card things 🖤🖤🖤
6:50 ano po issue sa GSave attached to Gcash?
Off topic. Hawig mo po si Tuesday Vargas.
Great video and a lot of informative financial topics especially for the younger generations1
Hello po, may suggestions pp ba kayo kung saan bank maganda ilagay ang emergency fund?
Wooh! ang galing talaga!!! nice 🙂
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
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.
I love u ate
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
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!
Success come with hard work, failure comes with taking easy. BTW:: this is a wonderful video, a fellow creator
hi bini stacey. di ko alam na magaling ka sa finance
For those asking, this is the wise I’m talking about: https://wise.com/invite/i/charmained64
The more I watch and listen to you, you kinda look and sounds like Tuesday Vargas. I meant that as a compliment. 😉
yeyyy new videooo thank you for thissss 😊😍
Hello, do you have any videos regarding your insurance/s? Thanks. Learn a lot about your videos.
Ma’am ang ganda po ng lalagyan ng unionbank business card nyo. Pwede lang po yan hingin sa bank mismo?
Is it still wise to have an account with traditional banks when digital banks are better (in terms of interest rates, liquidity, etc.)?
Hey Charm! I have a question. What’s your take on Cooperatives like FICCO?
Ang bilis mo magsalita po
Wala namang php to euros sa wise sad
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! 😊
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
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 :((
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! 🙌
I love it all, starting to create my own personal finance system.
Sa dami ng banko na meron ka hindi mona alam saan ka magdeposit same here! Hahaha
Sayo dummy account is yung BDO virtual, for me ay yung gcash ko kasi madaming fraud dun 😂
Can you make a video on all the sources of your income or passive income
Hello, do you have idea how can I convert my straight payment to install for BDO cc?
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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😅😅😅
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
CIMb bank poba safe? Mayroon poba silang physical branch
Gwapaaaa
grabpay has changed na 🙁
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.
Hello. just clarifying po.. You keep 2 accounts for your businesses? 1 for savings (for future purposes) and 1 more for expenses? 😊
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
Pwede po ba magrequest ng video tungkol sa insurance na dapat meron ang isang ofw
salamat po sa another learnings. Great video. Sa lahat ng nanonood nito magimprove rin sana ang finance ngayon taon. ❤
How about yung template ng spreadsheet po
Does the BDO Virtual Card come with a separate SOA?
paanu un walapa ako credit card paanu mag avail
how i manage my money i use maya gcash rcbc trust wallet meta mask wallet and binance
Teeth na lang mayroon na akonh salamin nakita ko na ang optical salamin ko kaya teeth na lang
moneylover mas ok nasa cloud ung data kahit magpagawa ka ng phone
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.
Time line liaising ko ang buhok ko good bye thank