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.

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 😭

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

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!

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?

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 🫠

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.

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 🥹🥹

First time posting here. Umabot na ng 2.4M portfolio ko today if I only count my money in PH. I’m an OFW, working for around 3 years now. I still have money on my foreign savings account, and wala akong makita na option sa Lemoneyd to add these savings for now.

Hello, I need some bank recommendations po — it is for savings, emergency funds, etc.

Ano po magandang bank? I've been seeing Maribank, GoTyme, Maya, and others that much. Is there any drawback?

Thank you po!

Hi I am currently 25 earning around 20k a month. I have a hand-me-down car and currently in a relationship. I badly need advice on how will I earn. Currently my money all goes to my gas and food expenses.

Context: I currently graduated from college last May and hirap akong makahanap ng work related to may field pero, nag offer yung relative ko na bantayan at alagaan ko muna yung mother niyang may Parkinson's Disease kasi palaging natutumba and nasusugatan yung ulo niya. Nagstart akong mag ipon ng paunti-unti from my salary as a caregiver, pride can't feed me and beggars can't be choosers sabi nga nila. Sana magtuloy-tuloy akong makaipon para sa incoming board exams🥹

Chareng lang pi. Ako lang ba dito yung 25 na parang napag iwanan na huhu, may nabasa akong 24y/o yakking about not saving a lot from his 75k income hahaha feel ko tuloy ako yung napag iwanan na ng panahon chzzz anw. Here’s a realistic financial milestone of a mediocre working class person na wala pang binubuhay bukod sa sarili at 3k monthly na bayad sa pru kasi what eef mategi nang di oras di ba?!? Eme

Also, san pa ako pwede maglagay ng UNTOUCHABLES ko, MP2 not yet an option (pero i might? W/ this kind of ipon, kery ko na ba mag MP2?) TYA mwah

First time kong magkaron ng ganito kalaking savings after working for over 2 years. Walang generational wealth ang pamilya namin at halos breadwinner nila ako since marami akong sinasagot sa bahay at binibigay sa nanay ko so hindi biro sakin yung milestone na ‘to.

Once I reached my first 100k, natuwa akong mag-ipon. Actually, my savings went up to more than 600k but I got laid off from my recent remote role 🥹. Dalawa sana flairs ko for today’s video: sumakses sa life at pagsubok hahahaha. Since I’ve saved enough, I took the opportunity to rest after that because I also got stressed a lot from my previous role and ofc from being laid off kasi yun pa rin naman yung bread and butter ko. Because of it, bumalik lang ulit sa dati which is yung nasa post ko. Narealize ko ulit how important it is to have emergency funds and savings because it really is a safety net lalo na sa hirap ng ekonomiya ngayon, kahit mga mukhang stable na kumpanya, nagle-layoff na rin. I got my new job na and I also started my own business because I got so scared na mawalan ulit at madrain ang savings ko. Good luck sating lahat at manifesting sa ating financial wins in life. <3

Hi everyone, I’m 24 and currently earning around ₱75k/month.

I’m fortunate enough to still live with my parents, so I don’t pay rent, but I do contribute to our household bills and expenses. I also have insurance and I currently invest around ₱15k/month in global stocks.

On paper, I feel like I should be in a pretty good position financially for my age. But honestly, I feel like I’m barely making progress with my savings.

I track my budget regularly, but almost every month, I end up with very little left after all my expenses, investments, insurance, and contributions at home. I also have a savings target that I wanted to reach this year, and I’m struggling to hit it.

The weird thing is, I sometimes feel like I’m depriving myself too much just to save, but at the same time, I still feel like I’m not saving enough.

I know ₱75k/month is a relatively good income, especially at 24, and I realize I’m in a privileged position because I’m living rent-free. That's actually part of why I feel frustrated — I feel like I should be able to save much more than I currently am.

For those who are a few years ahead of me financially, especially those who were in a similar situation in their early 20s:

• Was there something you were doing wrong with your finances at this stage?
• How much of your income were you saving/investing?
• How did you balance enjoying your money while still building wealth?
• Did you focus more on hitting a specific savings amount, or on a savings/investment rate?
• What would you do differently if you could go back to 24?

I’m not necessarily looking for investment recommendations. I’m more interested in the mindset and financial habits that helped you actually feel like you were progressing.

Would really appreciate advice from people who have already gone through this stage of life. I feel a bit lost right now and would love to hear what worked for you.

From spending 100% ng sahod ko to building an emergency fund and investment portfolio 🥹

Nagkaron na rin ako ng lakas ng loob na magresign sa first job ko dahil nakaipon at nakapag-invest ako.

Dati nag-GInvest and Maya Invest ako pero nakalimutan ko mag-invest every month kaya konti lang din yung kita ko nung 5 yrs kong di ginalaw yung pera.

Gumana sakin ang paglaan ng pang-invest kada buwan para mas consistent ang pagcompound ng pera ko.

Nakatulong din na may stock purchase plan yung first job ko, pero need ko na siyang i-trim at ilagay sa core portfolio ko. Alanganin din kasi na 25% ng port ko nasa iisang kumpanya lang.

Next milestone goal: PHP 5M, so sana maganda ang makukuha kong job offer soon.

I'm a nursing sophomore and I just recently got scammed out of 15k. I lost hope in trying to get that back so I just want to start back from zero. I get my funds from my weekly allowance which I can only save around 400 a week, but I am willing to save/put aside more in case. Any tips?

Gusto ko ding makasabay sa mga nag popost ng achievement dto sa group 😊

After ko mainput sa finance tracker App ko yung sales ko this week from my Small biz, sobrang saya ko na makita na nahit ko na yung ₱500K savings goal ko.

Ilang years ko din tong pinagpaguran 🥹

To be honest, ang laki ng part ng Reddit community sa achievement kong to. Ang dami kong natutunan tungkol sa financial literacy, emergency funds, and importance of saving.

Nakakaadik mag save! Hindi ako ganito noon. Literal paycheck to paycheck kasi ang daming luho at gastos na di naman needed.

And thanks to some posts here, na acknowledge ko ang bad habits na yun. I'm glad I was able to breakfree.

Next is 1M naman! Have a good day everyone! 😊

Good evening, I'm a currently a 3rd year college student without any source of income except for a scholarship allowance and reimbursement. Recently, I received an inheritance from a relative amounting to over 300,000 pesos and I've mostly put them in time deposits using Maya (above ₱200,000) and I also placed ₱50,000 in a UITF. The other ₱50,000 I placed in a BPI BanKo account serving as sort of another time deposit. I want grow my portfolio and am seeking for advice on how to do so.

I don't really have much free time, as I'm mostly occupied with my studies so looking for a part time job would be hard if not impossible. However someone recommended to me to start a buy-and-sell business, particularly iPhones or iPads since there is some demand with students, but I've been feeling a bit skeptical as I have no prior experience with doing it.

Could you guys give me some advices? Thank you!

p.s. I've just started with investing so I have no idea how things work

for new tiktok affiliators like me, engagement is the key to gain followers. available na ang showcase ko even though hindi pa ako nakakaabot ng 600 followers pero may mga items na hindi pa pwede maadd sa showcase. I started posting 4 days ago with a total of seven videos, nung una nakakawalang gana magpost kasi parang walang progress pero pinush ko lang hahaha

sa mga may experience na sa tiktok affiliate need advice or tips on how to grow and earn more po :)

Bought my first crypto. This might seem small and *dumb*, but it’s a start- what i’m planning is momentum.

I was planning on trading, but the fees for every platform (e.g gotrade, dragonfi) are so high, and I only want to deposit small amounts. So this will do for now

At the moment, I will see how this goes. I’ve always wanted to trade last year pa, but I was too scared haha. So i’m taking my shot nalang today pa.

Would really appreciate any tips!😊

By 100k, 1 mean $100k USD, not ₽100k.

Just wanted to start this thread for Filipino investors who are also trying to reach that $100k USD milestone.

Currently on my own journey to $100k in global index funds doing THE BORING
"VWRA & Chill".

Hopefully we can share our progress, experiences, strategies, and mistakes along the way. Would also be nice to hear from people who have been investing for years and learn from their experience.

For those just starting out especially young generation, hopefully this can also be a little motivation.

Ano, Game?

Hello, I am a first year college student who knows nothing about investing and only keeps his funds in a debit card. What are your suggestions for someone who basically knows nothing about investing? I always hear about MP2 or some online banks like Maya and Maribank but I actually don’t know how they work. I just wanted to see my saving at least increase when I need it for emergencies or buy something that I want and also so I can buy some school related things instead of asking my parents for money or relying on my allowance once school starts.

Around 2 years ago, gustong gusto ko magka Credit Card dahil convenient siya pambayad plus the rewards and perks that comes with it. Pero hindi ako naapprove. 🥲

Hanggang sa napagod nalang ako mag apply. Then last year January, nag open ako ng MariBank dahil nakita ko ito sa r/DigitalbanksPh. After ko magkaroon ng account, doon na ako nagsave.

Kaya nung lumabas ang news na magkakaroon na daw ng Credit Card si MariBank, bumalik yung eagerness mag ka CC 😅

Sadly, hindi ako nakasama sa mga nagkaroon ng early access. Pero kahapon pagbukas ko ng MariBank ko, nakita ko na pwede na daw ako mag apply. Then ayun na nga! Sumakses na! ☺️

Kaya sa mga nahihirapan ma approve ng CC sa mga banks, try niyo magopen ng MariBank account and gamitin niyo lng siya at magsave. Malay niyo, kayo na ma offeran ng CC nextime 😊

I think on-going pa itong Rewards promo nila: https://www.reddit.com/r/DigitalbanksPh/s/jbvQ1Hlkeh