💰 How I Budget Money in my 20s | My Money Rules & Accounts (Banks, Credit Cards) | Singlife PH

Today, we’re talking about CASH! 💰 In a previous video, I mentioned that my personal finance system has 5 components: (1) Architecture, (2) Cashflow, (3) Investments, (4) Net Worth, and the (5) Cherries. In this video, we'll dive deeper into my Cashflow System to give you guys a better understanding of how I manage my cash. I'll be sharing the four money rules that guide me in managing my finances, then I'll show you the simple budgeting system I follow as a college student. I also have A LOT of accounts because I like to experiment, so I'll talk about my bank accounts, digital banks, e-wallets, and credit cards as well!

Personal finance doesn't need to be complicated. When it comes to learning how to manage your money, it's important to find the system that works for you. This is what works for me and I'm hoping that you'll learn something from this video. Thanks for watching! 😄🍞

FREE MONEY FOR YOU 😉💰⬇️

🏦 Banks & E-Wallets
- Unionbank PlayEveryday: Use “UBNOW-NA0920016” to get 300 PlayPoints
- Tonik: Get ₱60 with “T42BHJL” when you sign-up, verify, and top-up

🚀 Crypto Platforms
- PDAX: Use “nicole” to get ₱30 when you deposit a minimum of ₱1,000

💵 More Cash
- GoTrade: Use invite code “157655” to Invest in US Stocks and ETFs for as low as $1

DISCLAIMER: The links above are affiliate codes/links and I may get a reward if you use them. Thanks in advance because it helps support the channel 💙

✅WHAT TO WATCH NEXT

🚀Subcount: 386,013

🕰TIMESTAMPS:
00:00 Intro & Overview
01:25 My 4 Money Rules
04:32 How I Budget
09:10 All my Cash Accounts
09:55 My Bank Accounts (BDO, BPI, Unionbank)
11:06 My Digital Banks (CIMB, ING, Komo, Tonik)

Send this video to your homies so you guys can benefit from managing your finances together! SUBSCRIBE for more videos like this! I post one video a week and I talk about personal finance, self-development, or anything I learn or experience throughout my life as a 21-year-old.

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🤝 Where to reach me

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#singlifePH #LifeInsurance
💰 How I Budget Money in my 20s | My Money Rules & Accounts (Banks, E-Wallets, Credit Cards) | Singlife PH

How I Budget & Manage Cash / personal finance 101 / budgeting 101 / adulting 101 / budgeting for beginners / how I budget and manage my money in my 20s Philippines / best bank account philippines

[NicoleAlbaYT]

Yo henlo guys!! It's been really hot these days so I hope you're all staying hydrated. We'll talk CASH for this video. Check out the description for links. Hopefully this helps you guys out. I'll make more videos about my money system pa!! 😄 🍞

[maroco]

yung 43 na ako this year and I am learning from a 21-year old is parang embarrassing na on my part but thank you Nicole, nde pa huli ang lahat for me to save. keep it up

[FocusedCat]

I had a personal rule that helped me save money. "If I can't buy it 3 times, I can't afford it".

[krizaninaballares]

Nicole, I am 29 years old and I love that I am learning from you. I hope lahat ng 21 years old think like you. 🥰

[prinzlawrencecabanas]

to think that just by watching 1 of your videos opened up a whole new world for me a 15 year old teenager who is at first trying to understand if whether I should really be saving money and whether I need to save or not. I am thankful that I came across one of your videos because it really opened up a lot of new things for me and now here I am trying to study a lot about managing money hoping to become a financially literate before i become 20. Again thank you ate nichole for popping up on my youtube and i hope too learn more from your videos in the future

[federicodanielcaguimbalsan]

I'm 14 y/o (turning 15 this 25th) I love watching adulting videos (specially yours) because I'm preparing myself for adulting since it wasn't easy.

[VictoriaEnyaAntonetteMariano]

Yayyy as someone who just turned 18 last April 7 and has been working since 16 who has decided to start saving and budgeting money, This is really helpful

[shadedwizard]

Ur channel is super helpful for people like me! Im 17 and I barely have any financial literacy or money knowledge besides saving or spending. I first saw a video of urs like a year ago and I kinda forgot since I had to study real hard but now that I have more time, Ive realised how important is to be literate in finances. Im planning to start 2 small businesses and get a credit card in less than a month so I kinda pressure myself into a "financial" environment in order to quickstart my learning process. Ur channel is truly amazing!! Keep it up!

[carlanthonydelosangeles]

Thank you so much for sharing this video. ❤
We all need to manage our money properly.

[kimluna]

We're the same age! I'm so happy to be growing and learning with you

[kbabayz]

Nice! Hoping Revolut will be available in the Philippines soon. Everything is in there! You will love it for sure.

[judeefayearibon]

Hi Nicole! Thanks for sharing this. Ask ko lang sana if may video ka na din ng tutorial how to use Wallet by Budgetbakers? Nung pag search ko kasi itong video mo ang lumabas. Hopefully meron ka na hihi thanks!!

[m.a.l]

I love how on every video you have a video outline. :)

[christianlauronilla]

Love it! Watched this video 2nd time around. Last year, relate with the spreadsheet everything but now I purchased the lifetime subscription of wallet of budget bakers. New year, New monitoring. Waiting for the separate video on how you use the app.

[kadendrueco]

7:22 "paying for your peace of mind (on insurance)" I love this!
Discovered Nicole when I was 15 years old; now that I'm 18, I want to manage money more efficiently kaya. I'm back to watching her vids! :3

[thesevens]

Hi Nicole! Meron na kaming dalawa ng kapatid ko (22F & 18F) ng Budget tracker through Google Sheet. So faaar, ang helpful niya sa akin! One time, may sobrang 500 sa tracker pero hindi ko alam kung nasaan siya since hindi ko siya makita sa On the Go Wallet. Buti na lang after ilang beses ng pagiisip kung nasaan siya, nakita ko siya somewhere sa envelope. Tbh, if wala akong tracker, mawawala siya sa isip ko at ang malala 500 din yun! Thank you so much!

[levitator]

I really hope one day she makes and in depth video about insurance and her experience with the insurances she uses

[dannamadura]

Nicole, please make a video update on the best ways to invest in 2022! Love your content!

[Rain-fgxh]

Yes please sa video for Wallet App! :D dati gamit ko din google sheet to track my expenses pero nung nagswitch ka, nagswitch din ako since mas madali mag log ng expenses haha.

[filipinoinvestors]

Thank you so much for this Video Nicole. It's amazing how you manage all your accounts :D Your tips helped me become more aware of my finances and to track down my spending. I love what you said about balance. It is important to save a lot but make sure to not deprive yourself. See you next video. :)