I'm doing the no spend challenge now, I'm working on my emergency fund and travel fund kaya pinupush ko mag no spend challenge for six month😅, thank you sa mga videos ms. Charm😊
I started my savings account back in college pa. Good thing, I started with "Income - Saving = Expenses" formula. With my savings, na-survive ko yung "walang sahod for 3-months" sa public school. 😅 Actually, wala talaga akong purpose bakit ako nag-iipon, basta naging habit ko nlng buwan-buwan mag-budget. Sarap lang sa feeling ng may bina-budget kahit maliit lang. 😊 In addition, nag-susulat ako ng S.M.A.R.T goals every 1st week ng Jan. Naka-checklist yun para alam ko kung ano yung mag-i-istay sa list ko, aalisin ko, at yung pwede kong idagdag. So far, may progress nman. 😊 Tinuro ko rin sa mga student ko, ewan ko lang kung gagawin nila. 😅
Thanks Charm for sharing these brilliant ideas of saving money! Just to share my goal for year 2022, i wanted to increase my investments by saving it right away and honoring God by tithing. This is bi-weekly (every payday). INCOME 100% Less: Tithing (10%) Less: Investment(20%) = Expenses (70%) Planning to do No Spend Challenge as well in Feb. So excited to do this with my fiancé 💪💙
Im glad that you mentioned to put the money on a savings account rather than keeping the money for too long (alkansya hahaha) kasi yung iba, hindi alam na bawal yun o hindi maganda para sa ekonomiya hahaha thank you for the tips!
Just joined the group! My biggest expense early this year is for a laptop worth 35k, something I will use for my Masters for the next school year. I would just like to ask on ways how I can make use of it as well to earn extra money as a sideline? Thanks Charm and more power! Thank you for helping me jumpstart my savings this year to counter my important expenses and for my goal towards financial freedom.
Yay! Laptop is a great expense, part investment narin. Check this video, it’s an old one but I think still very relevant: th-cam.com/video/RFvln4shU2k/w-d-xo.html
Great content ❤️ Currently doing 7 savings challenges, yung totoo gusto ko lng talaga mag shade shade ng amounts kaya dumami yung challenges 😂. Doing savings challenges makes me more conscious sa money allocation ko. For coins, I'm using water bottles (repurposing) and for bills I'm using binders. Yung bills naman nag.kocondense ako para mabalik sa circulation ang mga small bills and if it hits a certain amount I deposit it sa bank. Doing these challenges make saving more fun and exciting 💕 PS. lahat pala ng mga challenges ko handwritten, pwede ko naman sya i.print pero idk mas merong personal touch kung ako mismo gumagawa ginagaya ko lng yung sa mga templates. I'll check the templates and baka ma dagdagan yung challenges ko 😊
Thank you Ate charm for waking me up hehehe I hope it is not too late to start saving at 24 hehe . It was hard but Thank you for pushing Us to start as much as possible
hello..i wanna know if you have blog regarding spending and saving for a special occasions like birthdays of yourself, children and or parents? of-course those are special and important event in our life not only those christmas or new years..thanks..
Hello!! What budgeting method you would suggest for people doing freelancing? it's kind of different for people who have stable jobs to manage/budget their money :
Thank you po for these saving tips. I try to save as much of my income while I still stay with my parents hehe and only spending less than 10% of my monthly income. 😅
Mas maganda sana kung ganyan din mag isip ang family side ng asawa ko, Pag binanggit mo na ang ipon makakarinig kana lang ng bulong ng maganda naman kita. Pinapakain naman ng sobra nanghihingi pa ng merienda. Ang mahirap pa gastos dito at gastos doon kapatid nya which is para sa edad na late 20s self supporting na. 😔😔😔😔
@@hezu2013 i have this video, may konting walkthrough there: th-cam.com/video/QYDcM7kyMoc/w-d-xo.html Otherwise, you can watch stock market videos to understand the terms and all. I have videos on that also
Hello hope you notice me😊😊 ofw po ako i have ipon challenge na nasa alkansya lang i have tonik digital account which gain a good interest monthly tingin niyo po ba dapat ko ipasok na yung pera sa account o wait na matapos yung ipon challenge
Gusto ko sana makapag ipon pero kapag kasi mahirap ka halos lahat ng pera mo nauubos sa araw-araw na pangangailan. The concept of saving is only for those who have spare money to save. Sad
I'm doing the no spend challenge now, I'm working on my emergency fund and travel fund kaya pinupush ko mag no spend challenge for six month😅, thank you sa mga videos ms. Charm😊
Wow! Grabe yung 6 months, go go go!
Wfh poh kaya may dahilan para di gumastos😅
I started my savings account back in college pa. Good thing, I started with "Income - Saving = Expenses" formula. With my savings, na-survive ko yung "walang sahod for 3-months" sa public school. 😅 Actually, wala talaga akong purpose bakit ako nag-iipon, basta naging habit ko nlng buwan-buwan mag-budget. Sarap lang sa feeling ng may bina-budget kahit maliit lang. 😊 In addition, nag-susulat ako ng S.M.A.R.T goals every 1st week ng Jan. Naka-checklist yun para alam ko kung ano yung mag-i-istay sa list ko, aalisin ko, at yung pwede kong idagdag. So far, may progress nman. 😊 Tinuro ko rin sa mga student ko, ewan ko lang kung gagawin nila. 😅
I 👏🏻 Love 👏🏻 This 👏🏻
Thank you for educating them 💕
I wish more teachers teach more of these real-life tips that can actually help when we reach adulthood. Kudos to you for doing it!
Yan ang dapat tinuturo sa school lalo na sa secondary at tertiary school. Since dun na lumalaki ung baon char 😂😂
Sana lahat Ng teacher mag turo Ng about Sa money
Thanks Charm for sharing these brilliant ideas of saving money! Just to share my goal for year 2022, i wanted to increase my investments by saving it right away and honoring God by tithing. This is bi-weekly (every payday).
INCOME 100%
Less: Tithing (10%)
Less: Investment(20%)
= Expenses (70%)
Planning to do No Spend Challenge as well in Feb. So excited to do this with my fiancé 💪💙
Im glad that you mentioned to put the money on a savings account rather than keeping the money for too long (alkansya hahaha) kasi yung iba, hindi alam na bawal yun o hindi maganda para sa ekonomiya hahaha thank you for the tips!
Thanks Charm.❤️❤️ These are all good ways of saving money, the real challenge is to develop a habit.
Grabee yung relate ko sa spare change challenge. I have started that since late last year. Legit na it really does add up. 👌👌🥰
Ang gagandang idea nito Charm. Thank you. I will try it this year.
I really need this.. I'm addicted when it comes to savings..
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
I like the dice idea
Just joined the group! My biggest expense early this year is for a laptop worth 35k, something I will use for my Masters for the next school year. I would just like to ask on ways how I can make use of it as well to earn extra money as a sideline?
Thanks Charm and more power! Thank you for helping me jumpstart my savings this year to counter my important expenses and for my goal towards financial freedom.
Yay! Laptop is a great expense, part investment narin.
Check this video, it’s an old one but I think still very relevant: th-cam.com/video/RFvln4shU2k/w-d-xo.html
I’m going to do the invisible money challenge. 😍
Great content ❤️ Currently doing 7 savings challenges, yung totoo gusto ko lng talaga mag shade shade ng amounts kaya dumami yung challenges 😂. Doing savings challenges makes me more conscious sa money allocation ko. For coins, I'm using water bottles (repurposing) and for bills I'm using binders. Yung bills naman nag.kocondense ako para mabalik sa circulation ang mga small bills and if it hits a certain amount I deposit it sa bank. Doing these challenges make saving more fun and exciting 💕
PS. lahat pala ng mga challenges ko handwritten, pwede ko naman sya i.print pero idk mas merong personal touch kung ako mismo gumagawa ginagaya ko lng yung sa mga templates. I'll check the templates and baka ma dagdagan yung challenges ko 😊
Omg same. Ang saya kaya mag shade shade, feeling mo may na achieve ka talaga
@@CharmdeLeon Yes, lalo na kapag nakikita mo na malapit na ma shade lahat ng amounts
Roll the Dice Challenge seems interesting, would love to try them once I get home ☺️
ang cute lagi ng bloopers sa huli HAHAHA
looking forward to this!
I've been learning a lot from your channel. Thank you so much po. ♥️
You're welcome 😊 Thank youuu
First, I can't wait for your content.. really inspired me to save my 200k.. my goal is only 100k but it turns out to be doubled..🥰👍
Woohoo!! That’s great ✨🥳
52 week challenge game on!!💖🥰
Thanks for this! Now im gonna start my 52 weeks challenge.
You got this!
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
Thank you Ate charm for waking me up hehehe I hope it is not too late to start saving at 24 hehe . It was hard but Thank you for pushing Us to start as much as possible
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
Thank you, Charm for the templates. 😇
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
i’m currently doing the 365 challenge pero i’m looking forward for these other challenges i might do in the future 😍😍😍
Roll the dice challenge sounds interesting. Thanks for telling about it 👍👍👍👍👍
Good luck! 🎲
hello..i wanna know if you have blog regarding spending and saving for a special occasions like birthdays of yourself, children and or parents? of-course those are special and important event in our life not only those christmas or new years..thanks..
I save kahit my monthly bayaran sa insurance. Thanks for this reminding.
Another helpful video Ate Charm! Thank you po 🥰
Thank you po sa template
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
I'm a new subscriber here,wow I'm going to do the no spend challenge for February,,let see how it goes,,
Thank you so much ateee ❤
You're welcome 😊
I wanna try some of these for real na jud🤩
i wish there’s such thing as 13 month pay or christmas pay where i work at
Hello!! What budgeting method you would suggest for people doing freelancing? it's kind of different for people who have stable jobs to manage/budget their money :
Waaah. I like the bi weekly ate. I also used the expense tracker mo sa journal mo ate. Pero DIY muna while waiting for the ready2adulth lit journal. 🥰
yeyyyyyy new videooo 😊 Thank youuuuu for all of thisss
Welcoooome 🤗
Miss charm, don’t get me wrong cuz I love your content. Pansin ko lang though, the way you talk parang nakakahingal hahaha
Parang I’ve been compensating by talking louder kasi I’m paos from covid haha 😂
Too bad, now ko lang naview channel mo Charm! Better late than never😬. Thank you so much for the advise!!
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
Im new follower here..tnx you charm for all.the advice..try the 52 weeks challenge...
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
Thank you po for these saving tips. I try to save as much of my income while I still stay with my parents hehe and only spending less than 10% of my monthly income. 😅
90% savings rate! Solid, love that for youuu 🥳
i’m excited to accept this kind of challenge invitation 😍 btw welcome back po ate Charm 💛💛
Game face on! 😂
Thanks for the free template Charm! ❤️
Updated the link to the entire folder!
Hello, Charm!
Thanks ate charm 🥰
Lets do this! 😍
Hi, Charm! You should create a discord server for your growing community 😊 i’m willing to volunteer to create/maintain such :>
I'm doing a monthly savings challenge via Pag-ibig MP2. Sayang kasi interest 😅
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
Eh type mo Kung kailan ako makakatanggap mula sa invest says
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
Kana bitaw ganahan ka mag ipon challenge, pero delaye delayed imong sweldo. Tss
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
Hi Charm! Does the automatic contribution / salary deduction which goes to the Cooperative as capital build up considered savings?
Yes! ☺️
@@CharmdeLeon Thanks! 😊 Para kahit papaano may record ako ng savings 😊 Thanks for your tips 💛
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
Sa compound namin Ang ginagawa namin ay 52week challenge.
Ang saya nyan! May accountability buddies ❤️
@@CharmdeLeon yes po. As in. Hehe. Saka Masaya pasko ng karamihan dahil doon. Hihi. Pati Bata Kasama. Marunong nang mag ipon. ☺️
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
Mas maganda sana kung ganyan din mag isip ang family side ng asawa ko, Pag binanggit mo na ang ipon makakarinig kana lang ng bulong ng maganda naman kita. Pinapakain naman ng sobra nanghihingi pa ng merienda. Ang mahirap pa gastos dito at gastos doon kapatid nya which is para sa edad na late 20s self supporting na. 😔😔😔😔
i have money but kakaunti kaya ako ay mood ako?
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
I'm doing the Tip chalange.. Everytime may mag bibigay sakin NG tip as a Waitress itinatago ko yun😉
Ate interface tutorial po sana sa go trade
Diko po kase gets yung mga numbers at graphs
@@hezu2013 i have this video, may konting walkthrough there: th-cam.com/video/QYDcM7kyMoc/w-d-xo.html
Otherwise, you can watch stock market videos to understand the terms and all. I have videos on that also
Can you make a video if you have extra cash where to invest? like 1M cash?
oh! nice idea! Will try to make
Hi Charm, kung makit.an tamo in public either ikaw or ni Jet, murag magpapicture jd ko. D ra kaha mo ma lain? 😂
Hahahaha murag feeling ra kaayo mi artista 😂 Pero ok ragyud lol
@@CharmdeLeon cge noted 😂
Nasan po yung sheets? 😊
Description ☺️
tєlﻮг๓™MEERSHI
Tell her i directed you to join and participate in the new investment, thanks for your comment!¡
Dont go out haha kain sa bahay
Hays I'm in love
sinabe ko sa asawa ko to, di naniniwala saken 😅😂 No spend challenge sana ako for 3mos muna
Cool video! What's your favorite ipon challenge? 😅
52 week challenge and no spend challenge!
Hello hope you notice me😊😊 ofw po ako i have ipon challenge na nasa alkansya lang i have tonik digital account which gain a good interest monthly tingin niyo po ba dapat ko ipasok na yung pera sa account o wait na matapos yung ipon challenge
No need naman matapos. You can deposit every month or quarter
😌😌
Cebuana k pl kaya lambing ng boses mo at ang cute mo magsalita
Gusto ko sana makapag ipon pero kapag kasi mahirap ka halos lahat ng pera mo nauubos sa araw-araw na pangangailan. The concept of saving is only for those who have spare money to save. Sad
True but there are 2 ways lang talaga to grow your savings rate. Spend less and Save more. Both are not easy but it’s the math behind it.
I don't like how she is speaking English ⚠️
There are other channels you can subscribe to ☺️
Disagree with this video. Support the economy! Spend $$$
And be broke? No thank you. 😂😂😂 spend responsibly.
Hi, I'm a newbie here. May I ask if you have a legit account on Facebook?