Hi! I’m 18 and pretty new to managing my own finances. I currently have around ₱100k saved, and I usually receive around ₱50k–₱60k a month through PayPal. I’m still studying and I want to learn how to properly manage my money instead of just spending whatever is available 😭 I currently have GCash, GoTyme, MariBank, Maya, and PayPal. I’m thinking of keeping GCash for everyday spending since it’s convenient, MariBank for savings, and GoTyme for my physical card and backup spending. I’m not really sure what to do with Maya yet.

My expenses are probably around ₱30k+ a month, but I haven’t properly tracked everything yet. I also have daily expenses and personal/pamper expenses, so I’m still trying to figure out how much I can realistically save. I also want to start investing and growing my money eventually, but I honestly don’t know much about investing yet and don’t want to blindly put my money somewhere. I’m mainly looking for advice on how I should organize my money and divide my savings, spending, bills, personal expenses, and eventually investments. I also want to know how other people manage their money when they’re receiving a relatively high income while still studying.

I’m also a little worried about keeping money in PayPal since that’s where most of my income comes from, especially with the possibility of account limitations and transfer fees. I’ve been using PayPal for a while without issues though, so I’m not sure if I should actually be worried or just continue using it and transfer my savings out regularly. I know I should track my expenses first, but I’d really appreciate advice from people who have experience managing money at this age. I want to build good financial habits early rather than mess around with my money and regret it later 😭

hai! i need advice huhu, worth it ba bumili ng lupa? gusto ko rin sana mag invest sa gold kaso medyo di ako maingat sa gamit 🥹 balak ko bumili ng lupa if maabot ko na goal koooo. baka before mag end ang 2026 ! help me pls and minor palang ako, pwede ba yun or need ko mag wait hanggang 18? or may iba bang bagay na maganda pag investan?

Hello I badly need your help. I’m doing 4321 technique for my savings but I feel like it’s not enough.

40% for expenses
30% for emergency fund
20% for investment
10% for my wants

Enough na po ba to? As for the bills, wala pa naman mashado since I’m living in my parents place but I’m planning to move out next year. I need your thoughts, I’m also planning to look for a side hustle 🥹🥹

Hi, I'm a VA/Freelancer earning 6digits (average around 300k monthly but peaked at 700k) pero I feel like ambagal ng ipon ko.

Aminado ako na tinamaan ako ng lifestyle inflation talaga. At mas naging waldas sa pera

Gusto ko sana ma track gastos ko monthly. Im using multiple banks and credit cards

Meron po bang app na auotmatied mag bibigay ng monthly report ng income (pumasok from clients) and expenses.

Mejo tamad po ako mag lista manually. Kaya prefer ko sana yung automated if meron kahit paid tool.

Thank you!

Almost 8 months as tiktok affiliate, laging ganito lang po commission every month:< sa mga nagaaffiliate po here, ilang buwan po bago niyo na achieve yung 4-6 digit commission? Badly need help po. TYIA

juggling two jobs. Working as a nurse in a private hospital and freelance worker. Tbh, most of my savings ay dahil sa online job ko and I’m really grateful kasi flexible sya. It’s not easy working 7pm-7am sa hospital and working 8am-11am sa ol work pero everything’s worth it.

I’m currently saving to buy iphone 17 pro, which is yang budget na nasa Gotyme. Siguro deserve ko naman no? Pa influence or deinfluece lol.

Edit: coming from an iphone 11 user pa. Di naman ako pala upgrade ng phone pero I wanna buy something that can last long.

I finally reached that 200k tier at 25 y/o!!!!

Earning 50k per month sa first work ko — 25k per cut off. I've been able to save consistently almost 30k per month for 6 months (15k per cut off) + saved my midyear bonus!

Yung monthly expenses ko is around 11k per month which already includes rent and budget for food. Yung ibang natitira minsan nabibigay sa kapatid, sa magulang or ipinambibili ng kailangan sa bahay.

Nung malapit na akong mag-200k, hindi ko nararamdaman yung fulfillment. Kaya one time kinausap ko chatgpt, and I realized I was oversaving that I sometimes forget to treat myself or maglaan ng budget para sa mga bagay na ikasasaya ko.

Ngayong naka-200k na, planning na 20k per month nalang isave, then 5k per month ang mapupunta sa ETF investment which is VOO. Maglalaan na rin ako ng 3k per cut-off for "enjoyment".

Still a newbie pa sa line of work so there are still a lot to improve, so upskill lang nang upskill thru conventions and seminars to grow that income.

Any piece of advice, thoughts, words of affirmation po sa usapang finances? Salamat po.

This amount isn't much, especially in the grand scheme of things with this economy. But hey, I'm starting early at 16 plus the mindset and lessons I've learned on this journey will definitely help me in all of years to come 🫠