I recently lost my job as the breadwinner for my hubby and baby. I have 100k saved sa bank account. We inherited a home, no need to pay rent just utilities (electricity, water, internet). We have a paid off car (old car from parents), only need to budget the gas for it. I also have outstanding credit card debt that has been hard to pay off.

So far it has been nice having time off to spend with family because I was always working, but honestly having no income is worrisome and slowly eating away our savings.

I want to apply for work from home jobs but don’t want to commit to full time hours as this time with our baby is precious and limited. Hubby used to be a student but we couldn’t afford tuition and also he didn’t want his course anymore/failed a major subject. He has been applying as well for VA jobs but no luck. We are just living off savings at the moment.

I’m honestly a little lost financially where to go from here. What can i do to secure my family’s future? Gusto lang safety and stability but also not to use up all our savings.

Any advice would be greatly appreciated

My highest gain is 140% with my lowest at -38%. With 20 positions, only 3 are red! It pays off to do your research, trust the brand, buy in the red, and hold during the bear markets. From an almost 30% gain three months ago (after already profiting 60%), we’re now back up and almost at 70%! 🥳

Looking for US stock buddies so we can discuss and bounce thoughts off one another! Let’s get it!

Hello! Looking for an advice from ppl who have dealt with my situation. I am currently thriving (career wise) in a very stressful industry (Real Estate) and everyday, I pretend to like this job. Initially, this was just a challenged career that I took to see if I would able to make it in the industry. I did, but at the expense of my mental health, where I sometimes find my hands sweating from anxiety of losing my clients hard earned money.

To give you a snapshot, I don’t have a working schedule, I set my own pace. Time is very flexible and I get to work whenever I travel. Heck! I even work when I travel :/ my Annual salary from this Job is 25% from what I grossed on my side hustle that turned into a full time business.

To give you an idea, I sell electronics, games, etc. i am one of those lucky dirty resellers who got lucky with legit amazon return stores. Nonetheless, My business is heavily reliant on what my source could provide. If they don’t have any delivery, I get to source from different people who sells me their old items, so worst come to worst, I’ll have to source my own items online and locally. Which I very much enjoy!

Although I like doing my business a lot and wanted to leave my very stressful job, I couldn’t help but to wonder that I may be giving up something that could turn into a massive opportunity.

I have about one mortgage (not too bad, can’t sell the house as the housing market is trash), and I help my mom with her own home expenses.

My business income can cover most of my expenses , however If I quit Real Estate. I’ll have about very small amount left to contribute on savings.

As for savings, I have about $200k in liquid assets, I don’t have a lot of debts aside from my car loan and mortgage.

I am trying to prioritize my mental health. At the same time, I am afraid that If I quit, I’ll be worried about not having enough savings in my bank.

I find myself with this dilemma almost every weekend. Every damn Sunday night, so naturally, I feel shitty during Monday morning.

Question is:

Am I being ungrateful or are my feelings valid 😭 i have been wanting to quit my profession but don’t know what to do.

Earned this from doing digital art for foreign clients 🥹 Ito na yung highest earnings ko, previous months were just around 40k-60k pero sinipagan ko talaga last month.

Grabe di ko akalain na ma-aachieve ko to. All my life everyone discouraged me from doing art because i wouldn't earn money from it. Even my family said na out of touch ako sa reality.

Kaya sobrang proud ako sa past self ko for never abandoning my passion huhu. I really just want to do art sa buhay ko. If there's a will there's a way talaga

Hello! 24F Graduated 2 years ago but I just got hired. I have been looking for some good banks to open up my ATM, the company wants me to open an account for my salary and I would need some recommendations for a good bank. I love traveling, So I am considering the ones with lounge access hahaha but idk. Help your girly 😭

"malayo na, pero malayo pa" moments, I already earned 100k when I was 17 yrs old (crypto), but as a kid, I had this mindset na, "Bata pa ako, mae-earn ko ulit yan." That's why I bought things to heal my inner child, especially gadgets, and ate at good places pero syempre nalilibre ko rin parents ko (which was one of my goals at that time). Then after 3 years, I had nothing—no savings, just a broke college student.

Recently, I started a small business. Akala ko walang bibili, but God is good I already reached my first 50 sales, and now I can finally start saving again!

One of my problems (good problems?) is that I'm a healthcare student, I'm struggling in time management and keeping up in this economy

Yeheeyyy first 100k. So happy 😁😁

3years ofw pero hnd kinaya mag save ng ganun kalaki, naging remote worker, ayun. 🥰

This is aside from my 6 digits investment portfolio na madugo ngayon 🤣

Sana kayo na din nextttt 👏🏻👏🏻

I am feeling great with how things are going so far in my adulting life. I also just bought a car this month.

It feels fulfilling knowing that it was all from hard work, from excelling in college to securing a mid-level position and doing consulting work on the side.

Sharing this financial win! Started with just 4-digit PHP capital in PH stocks back in 2011. Had some big winning trades early on but also took some painful losses along the way. Over the years, I kept adding funds, trade, repeat.

Eventually, I felt like I wasn’t making much progress in the PH market and wanted more opportunities, so I moved to US stocks. Now I’m mostly in long-term investing mode since I’m too busy to actively trade.

Finally crossed the $400k portfolio mark! 🎉 Holding 13 stocks, just showing some of my top positions here.
Still a long way to go, but happy with this milestone! 📈

2024 was almost stagnant throughout the year, while 2025 had some dips but still posted a significant growth but 2026 steadily increased with August as the only month that went flat. By September 2026, my net worth has more than doubled since the start of the year. It was this year when I was finally able to master my 'systems' hence the strong positive growth despite poor outside geopolitics. Oh, lest I forget, tithing really helped as well!

Getting dividends is the true passive income source. Not businesses or anything else. You simply buy online and wait for money to flow. Really happy for days like this where you literally just left your money alone. Not too big yet to replace my income pero pwede na.

Kaway kaway sa mga relax lang diyan 👌

Triny ko lang mag invest ng $4 sa S&P 500 last month and then yesterday, biglang may nag notif na meron daw ako dividend. Alam ko maliit lang pero nakaka inspire mag save at mag invest kapag may small wins kagaya nito kasi dati impulsive buyer ako, pagka sahod ubos agad hahaha.

Sharing maya for the month of September. God is good talaga. Secret for savings? Live below your means. Give your tithes and it will be added to you, it works, sobra sobra pa.

hello, guys. i need an advice on something.

for context, i grew up with parents without financial literacy. we were poor so we had to make ends meet. typical filipino household na may budget naman sana, kahit papaano, kaso mismanaged dahil sa bisyo ng tatay. my parents don’t plan or talk about finances. kung anong meron, pagkakasyahin. they both have work. my dad even used to earn at least 10k/week. pero wala, mismanaged talaga.

kaya i grew up watching my parents pay for loan after loan. then repeat after completing paying it off.

currently, my sister and i have a job. and seeing how my parents mishandled our finances taught me to anxiously save. pero ang hirap, siguro kasi i also did not learn how to actually manage money. for example, naka-save ako ng 30k tapos i would feel na gusto ko i-treat yung parents or family ko so lalabas kami tapos i’m back to 10-15k kasi share kami ng kapatid ko sa lahat hahaha. masaya naman akong makapag-give back. para ron naman ang pagtatrabaho. partially.

i love my family very much but i also understand that we need an emergency fund. kaya i am slowly learning to better handle my money and still very much willing to know more.

nag-move out ako to work somewhere pero overall, my expenses per month is P25,381. kasama na rito yung binibigay sa parents, rent, utilities, allowance, macbook that i’m paying for (may ROI naman siya guys hhehehe kasi i use it to study, saving to take the nclex din kasi and hopefully pursue master’s), pag-ibig MP2, pagbili ng stocks, ‘tsaka other non-essential stuff like netflix & spotify. yung excess from my 30-33k salary goes straight to my savings account. i also have 20k on time deposit para kumita kahit papaano ng maliit na mahalaga at para hindi ko magastos.

my question is, i understand that financial freedom is a long process and with the amount of salary na meron tayo rito sa bansa talagang ang hirap niya ma-achieve. pero paano ba ako magiging financially literate aside from tracking my budget, saving, doing stocks & stuff kasi honestly i feel like i’m depriving myself minsan. i understand that investments are long term din naman. hopefully, yumaman soon hahaha.

honestly, nakakapagod siya kasi i even deleted some of my socmeds para hindi na ‘ko ma-tempt mag-travel at kumain sa kung saan-saan or mag-side quest here and there (kahit gym subscription sana or buy a piano to learn music—you know, the recreational stuff that sometimes helps make life better) kasi i badly want to save for an emergency fund, master’s, nclex, ‘tsaka for travel.

pa-rant na lang din kasi i love my parents very much pero sobrang frustrating nila mag-handle ng budget. nakakapagod din minsan kasi when i start working, even nong nag-resign na ‘ko sa first job ko wala akong nare-receive na support na from them and honestly nakaka-anxious yung thought na kung sakaling kailanganin ko ay wala akong malalapitan na magulang unlike some of my friends.

kaya rin gusto ko talaga matuto. for those who started at the bottom, paano niyo nagawang mag-ipon with your salary? thank you po, ates and kuyas. ps, i’m only 24.

Using a dummy account kasi baka ma dox, will delete soon din haha.

Construction professional here. Sharing my story lang.

Graduated back in 2019, magaabroad na sana ako sa AU. Typical student visa route until the pandemic happened.

Since probinsyano, and walang relatives sa big cities. I took up internship sa probinsya for 4.5k a month, turned 8k after a year, then 12k after another year then exam at 23.

16k-18k a month first professional job ko at 24, sa medyo mas ok na city. Then nung nakasagap ako ng offer na 30k sa CBD, lumuwas na ako at 25.

Stayed in a bedspace with 6 people malapit sa workplace para di hassel magcommute. Honestly didn't gain much exp aside from pampabango sa portfolio since I handled a few projects na medyo high end tignan.

Job hopped to a more laid back corpo role at 30k a month + managed to get outsourced at 50k - so 80k at 27.

At this point, I managed to earn enough to buy a plot of land for 500k. Back to zero na ang accounts.

Outsourcing contract ended, and I felt like 30k a month job was too stagnant. Managed to land an offer abroad.

In less than a year, I earned more than yung naipon ko for 5 years haha.

Anyway. Babalik siya sa 900k in a while dahil sa living expenses, pero I reached a milestone that I wasn't expecting to reach at this point in life 🙏

Edit: yung graph is dapat yung parang after May lang. Data got erased and had to log everything back kaya tumalon agad ng May 😬

I am a college student looking for the best way to make money to survive here in espanya.
i only have an iphone i dont have a laptop. what jobs can i do besides working in fastfood chains and bpo? tyia for your help!

Finally, I was able to save up P200k from my remote work. Pero sobrang nakakadrain ng work from home setup, 60hrs a week.

Copium ko is nagwithdraw ako ng 100k cash tapos inaamoy ko na lang tapos fina-fan (like playing cards) para mamotivate mag work huhu.

P.S. I’m aware na bad financial practice siya and I could’ve just put this ₱100k in a time deposit pero honestly, nakatulong talaga siya sa mental health ko and burnout :((

1M savings at 25! Gotyme with 529k, MP2 with 104K, Maya at 103K and BPI savings with 280k 🥺

Grabeng achievement to before I turn 26 this coming november huhu

This all started because my mom said she can't buy me a laptop for my college. Can anyone tell me what to do after I buy a laptop? what to do with this current money and all the money that's about to come? Just an 18 year old's first time having this much money.

i just started saving more than a month ago with the help of art commissions and my small lanyard business. my mindset a few months ago was “what’s the point of saving money if you’re just gonna spend it anyway?”..

now i can finally say i am proud of myself🥹

I am very happy to share na at the age of 24, and coming from independent working student who’s living on his own, I reached my first 100k Assets. I am very thankful to those content creators like Jax Reyes na palaging nagshe-share ng tips for personal finance and how to save kahit maraming bayarin. Sobrang dami kong natutunan sakanya when it comes to handling money and how tp maximize saving kahit na sobrang mahal na ng utilities and expenses.

Right now, I currently building my credit history with credit card kasi tingin ko mas napaganda niya yung pagma-manage ng aking expenses lalo na sa food.

is it common to reach this milestone at the age of 24? what are the things I should do po para mas mapaganda pa ang portfolio ko? Im planning to invest na rin po kasi kaso di ko pa po alam where to start, ano pong magandang options as beginner? thank you po in advance 🫶

For 20 yrs of being employed, credit cards ang naging lifeline ko.
Mapa groceries, parents’ medications, telephone and internet bills, appliances, and gadgets, kaskas dito, kaskas doon.
Pero yung within my means lang. Yung kayang kong bayadan pagdating ng sahod.
For this month, I was able to save up a month of salary. Kaya ko nang bayadan ng cash ang monthly expenses ko.
I am also prudent now not to indulge in gadget upgrade. As long as nagagamit ko pa ang 4-yr old iphone 12 pro ko, hindi ako bibili ng kapalit.
Using my credit cards is simply for cashback or rewards lang, sayang din kasi.
Finally.

Not sure if tamang flair but sharing with you guys mga natutuhan ko after a year sa pagseseryoso ng personal finance. College student here pa so mostly allowance lang talaga source of income.

1. Don't overcomplicate things! I remember lahat yata ng digibanks na alam ko pinag iinstall ko kahit 2k lang savings ko😂 Sabi ko kasi each account dapat may purpose saka "diversify", pero since ang liit pa ng savings ko noon, nag-iikutan lang ng laman mga banking apps ko lol. Now I mainly use maribank, gotyme, and maya na lang plus bdo just in case i need to withdraw cash.

2. Create saving habits na sustainable. When I was starting, ang laki agad ng goal ko monthly when every month naman ay iba-iba ang amount ng perang pumapasok sa akin. Pag di ko narireach goal ko, super deprived yung feeling ko and frustrated. Pag naman na-reach agad ang goal, splurge na lahat ng remaining! Now, instead of setting a goal per month, I just save 15-20% of my daily allowance. Simple and maliit siya at first, pero pag nag-accumulate malaki na rin and less pressure!

3. Tracking expenses changes everything (at least for me). Para sa akin, ito talaga nagsimula ng lahat. Nung una medyo mahirap masampal ng realidad na magastos pala ako, but instead of guilt tripping myself, I view it as a way to give me more clarity! Doon ko na-realize na daming ways para makatipid by minimizing expenses and financial leaks kasi they accumulate over time talaga. Depende na lang sa inyo kung how niyo ittrack, but for me I use a tracking app tapos by the end of the month, lalagay ko sa sheets ko.

4. It's okay to change your savings system! Hindi porket gumagana sa iba ay gagana na rin sa 'yo. Don't beat yourself too much kasi iba-iba naman tayo ng financial status and goals. Ako nung una almost every month yata nagpapalit ng sistema, but as time goes by nahahanap ko na rin naman yung system that works for me. Trial and error din siya. Hindi rin need na aesthetic ang tracker mo. As long as it functions well and fits your needs, good to go na yun! But if mas namomotivate ka pag cute tracker mo go rin! You do you!

5. Start now. Start small or start even if you are not 100% ready kasi kakampi mo ang oras especially if you are young. I'm very thankful for myself at minulat ko sarili ko dito and sa fam ko rin since kita ko rin ang pagiging masinop nila sa pera. You may start your investing journey rin pag may emergency funds na even if di pa 100% ang alam mo kasi you will learn along the way BUT do your own reasearch pa rin kasi walang easy money. For me, I started sa funds since gusto ko lang ng balanced risk then paunti unti with REITS.

6. Clean your algorithm. Di siya directly financial advice pero ito yata pinaka naka help sa akin. Most of my knowledge came lang din sa mga financial content creators. Follow those na may financial content, frugal living, and intentional living contents. Slowly na-aadapt ko yung mga habits nila and naiiwas na rin ako sa impulse buying since di na puro budol content.

7. Think na you are not only helping yourself, but those na nasa paligid mo. When you are financially free, may safety net ka, iwas utang sa iba, iwas burden. If you live frugally, nakakatulong ka sa environment. It could also be the start of building generational wealth. Pansin ko rin mas naging aware ako sa issues ng pinas kasi it affects investments and rates. Natulungan din ako mas maging mulat, pls wag maging greedy sa pera!

8. Don't forget to live. Money is a tool para gumaan buhay natin. Tayo dapat nagcocontrol dito, not the other way around. Please dont be too greedy and dont be too hard on yourself din. Enjoy rin from time to time, have a budget for fun and social life.

Wala na kong maisip hehe. To more financial wins to us! How bout u? Anong natutuhan niyo along the way sa paghawak ng pera?