How I Manage My Finances in my 20s | Personal Finance System 2020 (Savings, Cards, Spreadsheets)

[@jeanrose7213]

NICOLE!!! THE ANSWER IS WE'RE ALWAYS INTERESTED IN WHAT YOU HAVE TO OFFER!!! Kung gusto mo ishare samin yung paggawa ng sa google docs, yesssss our queen go!! 💖 Thank you sa lahat ng tulong para umasenso rin ang ibang mga pinoy!! ☺️ Let's all get rich together mga kababayan!

[@NicoleAlbaYT]

AAAAHHH JEAN!! Haha i feel the love thank yoooouu ❤ Nafilm ko na ung how to recreate, so editing nalang! WOOHOO road to getting rich tayong lahat 🙌

[@hanzelmejia6722]

Auto crush haha

[@rhonalynencarnacion6870]

Yes please 😍😇

[@ashriot6220]

Try spendee for expense tracking

[@Yooness]

@Isaac Wilde reported

[@ejayt3321]

i’m an accountant and people find it funny how i use excel for everything financial (personal) but it’s just too powerful. i always thought they’re missing out.

[@ajp2350]

I love spreadsheeting too. Like almost everything! Lol

[@nouha4247]

I do the same, and I find it so easy to use and organise every single thing in my life

[@yesza._m]

This is so true!

[@jillianduhgreat]

I finally found my kind of youtuber for finance topics!!! I really love the way you tackle on this serious matter in a friendlier and millenial way.

[@NicoleAlbaYT]

Yay! Thank you, Divine 😄 I really try my best to make these topics a lot friendlier. I appreciate your support ❤️🍞

[@heyheyheyitsvyl]

Hard same 😏

[@alegrebanay7835]

I FINALLY HAVE SOMEONE TO WATCH WHO HAVE THE SAME MINDSET AS MINE! Upload more vids! I love them! ❤️

[@NicoleAlbaYT]

Haha awesome! Thanks for watching the videos. I'm glad you're enjoying them 😁 Every Wednesday video release, so yaaas more to come WOOH 💪🚀

[@sullagod]

Finally, the youtube algorithm is making sense with the suggested videos.

[@benjamincaldona4290]

I tried my teenage niece to watch your vlogs. I mean they are so lucky that your generation has these kind of channel. Teaching young people about finance.

[@stevein8464]

Finally a filipino culture version of all those financial systems (and funnier)

[@NicoleAlbaYT]

One of my frustrations before was that most channels were US-based kaya not as applicable 😅 Glad to know you're finding these vids helpful 🙌

[@juliusrendon5936]

@@NicoleAlbaYT true i love reading books about investment but its all based on the US

[@aishatjimoh4510]

2019 was a great year for me despite the pandemic I've been trading with expert Mrs tessy service for months now and all my trade have been going well

[@DM-sn3oy]

Wow I' m just shock someone mentioned expert Mrs Tessy I thought I' m the only one trading with her, She helped me recover what I lost trying to trade my self

[@anthonypeter5797]

I think I'm blessed because if not I wouldn't have met someone who is as spectacular as expert Mrs Tessy,I think she is the best broker I ever seen

[@reginalacquio5761]

One month has passed since I joined/subscribed (?) in r/phinvest in reddit, read rich dad poor dad (still reading think &grow rich haha) watched your YT vids, & I have started to take my finances seriously. Tracked my expenses for 1 solid month, opened a stock brokerage acct, & continued funding my MP2. I'm pumped and excited towards achieving my financial goals & building my asset column. I know there's SOO MUCH to learn but passionate people like you inspires me to keep going!! Thank you, Nicole! 🤟

[@NicoleAlbaYT]

Regina, I was speechless when I read your comment. I'm so hyped by how much actiom you've taken. YOU GO GIRL ❤💯 Thank you so much for the support. We're all on this journey together! 🍞😄

[@NicoleAlbaYT]

Hey friends! Welcome back to this week's video. Tried the premiere feature today :)) As always, if you guys have any questions or topic suggestions, feel free to comment it. Check out the description for the links of stuff I mention in the video :D Thanks and stay safe always friends!

[@annycozapata5472]

Where did you get your otg wallet?

[@abbyg9138]

Hey nicole - where can i find the video for the spreadsheet that you promised? :P Thank you for sharing..

[@yunan3031]

As a financial educator, this is very helpful to Filipino people

[@maxxedimana7353]

I'm 19 now. I have no work and no allowance due to pandemic and I'm glad I had this in my recommendations! I will need this thank you!

[@angelacayonte3651]

Adulting is really harder than what the media make it looks like. Hahaha. Good thing channels like yours exist. 💜💜💜

[@NicoleAlbaYT]

It's both harder and easier tbh HAAHAH I'm glad you're finding my videos helpful!! 😁❤️🍞

[@Wanderleane]

Nicole, I'm impressed on how you guide the Filipinos regarding finance. I think you are the youngest vlogger I've watched about Finance topics. I'm so proud of you. You are now my favorite finance vlogger. Keep doing what you love. Watching from The Netherlands 🇳🇱❤️

[@cmladriano]

I work in the accounting field but your spreadsheet is better than my personal budget tracker!! I love it!

[@traceyplasabas4904]

Yes for the home wallet and the baby steps indeed! ✨I usually track my expenses on a daily basis using my journal and notepad since 2018. Now, thanks to you, I’m more driven on managing my finances well and would love to make these spreadsheets for an upgraded level of tracking my overall expenses and my savings as well. So glad I found you! 🤗

[@jericoalba6368]

Ngayon ko lang napanood yung vlog mo kahit 4 years ago na pero tawang tawa ako sa sarili ko kapag nakakarelate ako lalo na yung hindi ma-track if san nanggaling yung ibang amount. Pero so far ang galing kasi magkamukha tayo ng gawa huhu nakakatuwaaaaa

[@MeroleneChristine]

I was literally LITERALLY just thinking about setting up my own financial system for 2021 and KZbin randomly suggested your video. The creepiest!!! Your vids are very helpful btw!! Helped my normal, non-technical brain to understand these things ☺️ looking forward to moreeee!

[@theartofmoneysaving5919]

My 20's were great for building my wealth 😱 • Single ✅ • Ready to work ✅ • Ready to save ✅ Thanks for the comprehensive overview. Always good to discover new KZbinrs 👍

[@jhaymaralcaraz3832]

Finally!! I can watch someone who got same mindset with me when it comes to finances and investment. Keep up the good work on creating more contents!! Your new subscriber here from New Zealand!!

[@annaluzapolo8681]

KZbin analytics have always suggested your channel to me but never really had the interest in actually clicking and watching your videos, which I now regret. Haha. You are awesome! I will be using your spreadsheets for my financial tracking as I've realized although I know how to manage my money well there is some room for improvement. Thanks for making this kind of video!

[@airagasta2752]

Thank you for this. Finally a localized version of these topics. Super thank youuu

[@NicoleAlbaYT]

Glad you found this helpful Aira! Welcome to the BreadFam hihi 🍞❤️😁

[@kilabotcruz555]

Bro she's like a few years younger than me but a lot more responsible and cooler! Wtfff. Anybody can tell me they are crushing on her and I wont ever question why. Daaaamn. keep it up po!! SO COOL!!!

[@jazzgirard8442]

Nicole: "I can't wait for 1,000 subs!!" Me: * looks at 60.9K subscribers count*

[@NicoleAlbaYT]

So fast in such a short period of time! Even I'm blown away 😄🌟

[@jhaekee]

@@NicoleAlbaYT Pano yung blown away? haha

[@zenniah2430]

she's at 75k now!!! she deserves moreeee

[@JadaLW818]

@@zenniah2430 currently at 114K! She's made it. :D

[@pandashope7964]

She's already at 132k subs!!!

[@Icecandy1882]

Will recommended your channel to my 20-something cousins to watch. Your content is really good. I had to learn this stuff over a long period of time from different non-YT sources. Your viewers are lucky to have you!

[@agnesl261]

This is me. I love talking to my friends how I manage my finances and share software applications.

[@NicoleAlbaYT]

Yehes influence them 👀😁

[@Netflixter1536]

I thank God for youtubers like you na shinashare ang knowledge sa iba para umangat din sila. More powers to you Nicole and I will continue to share to others yung youtube account mo! 🙂

[@jessacousart7373]

OHMYGOSHHHHHH! We're exactly the same. Me digging to your channel is not accident. I found another me. Love your vids! 🤎🤎🤎

[@trishapimentel3348]

i have no plan talaga to watch dis kind of videos pero when i saw ur vid on my tl, i immediately clicked it and decided to focus on how i handle my finances. ahahaha as someone na kakaron lang ng work and has her own income na, its so hard to monitor ur expenses and priorities in choosing what to buy or save the money na lang. im glad i came across to dis vid and gained knowledge how to be wise in managing my money. :)

[@isabellykim]

"So close to 100 subs!!" Now at 104K!! Congrats!

[@AynBernos]

Omg i love this channel

[@ClydeC]

How I wish that I have saved earlier when I was still in my teens, now that Im in my 30's na, medio mahirap nang mag ipon.. At sana mahikayat mo pa ang marami sa kabataan ngayon to be moneywise and invest.. And be financially independent and secure early.. Hope to learn more in your next videos.. Cheers

[@NicoleAlbaYT]

Yeah, pero at least you're doing it now! Thanks palagi you always comment sa vids ko. Glad na you're able to learn things from me pa rin 😄

[@ClydeC]

@@NicoleAlbaYT Im learning more about the other modes of investment.. Tangible investments kasi ang kinalakihan kong orientation like real estate properties, goods and services.. Lam mo namang ang advice ng matatanda.. Pero now Im learning a lot especially about ING and CIMB.. Engaging ka po kasi and you reply with erudite wisdom regarding financial matters which is pambihira ko lang makita from kids in their 20s nowadays.. Aight.. Cheers..

[@jennyalcantara8227]

Watching this vlog again. Just want you to know na ikaw yung naginspire at nagturo sakin para imanage ang pera ko. Im working as data analyst and sa first year ko sa trabaho. Pay check to pay check ang buhay ko noon. Wala man akong sinusuportahan na pamilya pero lagi akong nauubusan ng pera noon like 1st week plng ng sahod wala na ubos na hintay na ulit ako next sahod. But when i watched this dito ako nainspire. Now nakakapagipon na ako may savings, emergency fund, leisure fund na ako. Sobrang helpful nung sinabi mo na dapat iba't -ibang account mo nilalagay yung pera mo kasi kapag nakikita mong madami yung laman mas mafefeel mo yung urge na gumastos. Im also tracking my expenses and income. Wala akong spreadsheet but im using an app to track my money nakakasatisfy kapag nagtally yung nasa app ang yung nasa accounts ko

[@jeonchaemin187]

Having lots of bank accounts can decrease the risk too. In case of bankruptcy, up to 500k is insured by PDIC. Skl if u guys dont know hehe

[@seokseok9683]

PDIC?

[@asantos3497]

I’m sooo glad i found your channel!! You’re one of the VERY few youtubers that I trust when it comes to receiving personal finance advice!

[@NicoleAlbaYT]

Aw thank you for that! Honored be be a part of those few youtubers 🤩 Glad that my videos have been useful for you 😁❤️

[@jameszeonel]

I think magandang next content is: on how you start, like motivations, whys, hows, like basically full-on tutorial. Kasi like ako I’m super interested to do it but I don’t know how to start and where even? Lol. Suggestion lang po and ang ganda ng mga content mo!!! 💙

[@poteetgimenez7106]

You are what kids need nowadays. Thank you for what you do

[@Teriyakipapita]

Dude, youre a great teacher. Thanks for the quality content 💯

[@NicoleAlbaYT]

Thanks for the feedback. That means a lot to me! Haha thank you for watching my videos 😄❤🍞

[@mariellesalazar2732]

YOU'RE AN ANGEL!!! 5:41 AM AND NOW I AM GETTING MY LAPTOP TO DO MY SPREADSHEET!!! 🤫💖🤫

[@vintv9112]

Kung ganito lang magiging jowa ko, sigurado focus na focus ako sa pag achieve ng mga goals ko 😂😂 Mga ladies na kakilala ko puro shopping ang mga topics..Tsk!!! Sana makainspire ka pa ng marami at pagpalain Ka pa ni God ng madami.🙏🙏

[@yanarubio1366]

Yo, financial wokening. I'm a teacher and I swear this channel made me take my finances (and my job) moREE seriously. Nawa'y maimbitahan ka namin sa aming econ classes balang araw. Keep making vids, mare.

[@rubbersoul132]

I'm 19 and I also read Rich Dad, Poor Dad, so glad that it was recommended to me last year, read that book, guys! Hehe

[@tedysmith1188]

Where you rwad those po,libro po ba binili mo?

[@rubbersoul132]

@@tedysmith1188 pdf lang po, may free pdf rin po si Ate Nicole Alba sa isa n'yang vid hehe

[@tedysmith1188]

@@rubbersoul132 puwede po ba pasend sa email ko😁malaking 2long po samin rich dad at poor dad. Accountancy student kasi ako😅

[@rubbersoul132]

@@tedysmith1188 nasa description po ng vid na sinend ko, nandun po yung link hehe dl niyo nalang po, same here po accountancy student rin ☺

[@tedysmith1188]

@@rubbersoul132 oh nice po BSA GOODLUCK po😁..ano po yung title ng video ni Maam nicole na may book😁

[@danielrex9519]

the art of spending that old bills first before the new ones what a tactic i like that

[@NicoleAlbaYT]

Keep the crispy bills they be precious 🤪

[@zyeraphbucalan4123]

Hey Nicole! Great video! I also think it's really important to be tracking our personal finances. Just curious to know. How long did it take for you to initially build your personal finance system? And how much time (how often) do you take to maintain/update your set-up?

[@jomsel9584]

It's my first time to saw your channel. You deserve a million subs! Continue to promote financial literacy. We're here to support you. 😊

[@prosepusher]

Yes to the spreadsheet making videoooooo! I'm doing my best to be mindful about tracking all of my income and expenses overall but I've yet to figure out the best way to track movement between all of my different accounts. colorful spreadsheets are life

[@NicoleAlbaYT]

Henloo! You're awesome for being mindful and proactive with your finances! I agree. Colorful sheets are life 😍 I made the spreadsheet video na actually hehe: kzbin.info/www/bejne/f3SykKSKj6qJf8U

[@callmesarah_]

Same here. I also don't feel like using apps because there are limits on tweaking the accounts, so I also build my own financial tracker and statements using spreadsheet. It's nice to see vlogs like this. Keep it up!

[@dol2128]

how are u only 20 yrs old 😭 i feel so intimidated as someone who's about to turn 18

[@brionesseason]

Woah! after one year you already reached 240k subs. Amazing. I was just typing the word "finance" in the search bar on youtube and this was the first video that recommended to me. What a tadhana!

[@MikoSantos]

BDO app failing at 4:27 aptly demonstrates that "it's not perfect" 😆

[@NicoleAlbaYT]

I laughed when I was screen recording. Typical BDO app 😅

[@andreaalexisrivera344]

Hi Miko! Have you set a meeting with a Financial Advisor for this year?

[@zenniah2430]

how did i just discover u right now??? and not earlier in my life 😭 u motivated me to value money and gave me A LOT of tips when it comes to finances

[@barbaraellzabeth2814]

Are you still there doubting and watching while others are making cool money from bitcoin investment, I will encourage you to start investing to secure a better financial freedom

[@rlchardcharles3204]

I actually stop panicking about the fluctuating nature of btc price, ever since I started investing with Mrs Judith Beverly . am gaining regularly even with the market downtrend at times.

[@josephthomas4874]

@@rlchardcharles3204 Is she legit, can she be trusted?

[@adeoyeoluwasefunmi6800]

Yes she's legit also an expert and I have been earning from her platform.

[@paulmark4343]

I believe year 2020 was a year that thought everyone to be smart with whatever they're doing financially if they're to achieve the success they so much crave for

[@sulaimanjafaru5862]

@@paulmark4343 The global pandemic shut many financial institutions from functioning thereby rendering most people jobless & investors lost more than they ever thought of losing.

[@wyrennn]

Great video! I will had my teenage daughter subscribed to your channel. 😍 She's 13 and i think she'll be interested kasi hindi boring mga videos mo and hindi mahirap intendihin. This is something na dapat sa school binibigyan nga focus din. Salamat po 😍😍

[@ireumhannah]

3:10 yah. We're weird like that 😂

[@NicoleAlbaYT]

Apir fellow weirdo! 😆

[@ireumhannah]

APIR HAHAHAHAHAHAHA

[@AljeanJumamil]

It's so great to see a 20-year old college student to have most of her finances figured out! You are such an inspiration for everyone, especially for students & adults Nicole! You're really doing a great job and you are one of the reasons why I also embarked on this finance journey by creating a KZbin channel & documenting my success but most especially, my struggles along the way, as someone who's broke & by society's standard, "not successful in life" so that people who's also broke like me can have someone to relate to or learn from. Hope to see more videos from your finance journey series nicole!!! ❤You're doing amazing!

[@elpedangjoyzmizpahd.1335]

watching this video now that you have almost 500k subscribers, nakaka proud!

[@ashleysiervo4292]

That 3:12 👌🏻 My friends would always be weirded out when I arranged my money and spend the uglier bills first. 😅

[@drallagonzales8932]

I honestly dont watch things like hese because they bore me, but you girl kept me engaged till the very end ❤ i wanna build my money system na din tuloy 😄

[@aleliisidro2397]

saw one of your videos this afternoon- and since then i've been binge watching all of your videos😆😆 im kinda planning to organize my money after getting inspured by you. kudos!!.💖

[@shairadeloso3702]

Wow from 791 to more than a hundred 😲 the power of an informative youtuber

[@ioniquew]

Glad KZbin randomly suggested your video. I’ve always “kept track” of my finances in a non organized way written down on my planner but this is definitely something I’d like to start doing for my sanity 🙏🏼 Grabe, at your age this wasn’t something I even thought of. Great job!

[@kishorborkar4868]

Hey Nicole..u r just amazing..i hate excel sheets and finance sheets etc. But your beautiful and interesting presentation of the topic has stolen my heart...trying to learn it now...keep it up..we love your videos

[@charlsbac]

Yeah, same here. Got my financial awakening after listening to Rich Dad Poor Dad audiobook 2 months ago. Now I'm slowly structuring my finances properly with the help of your videos. Thanks!

[@aprndm]

Kagabi naghahanap ako ng video about mutual funds and everything. Kasi gusto matuto. Then I found yung isang vid mo bout mutual funds, tapos ngayon, nacurious na ko sa mga vids mo bout personal finance, investing and all! Kaya here I am! Haha. Thank you!

[@melissaacuna5301]

I'm suuuuuuuper happy that i stumbled upon your video about investing and now im binge watching. Thank youuuu

[@kennethagustin4275]

You just earned my sub. This is pretty much the kind of content that every millenial needs to watch.

[@carmellabalugo6158]

The editing is on fire! You gained a subscriber!

[@flower_bee3864]

I am also interested with these things. And yuh we all want to make money on our own. My classmate recommended your yt channel to me, then I watched the link she sent me. And oh gosh I just recently saw your videos but I learned a lot. I'm praying that I'll be able to watch your previous vids. More powers and keep inspiring us. Thank you. And God bless you. ♡

[@JoeyPalma]

What's up, my dude. Great video. I'm much older than you but you spit out a lot of wisdom that I think will benefit my wife and I as we start out in our family! Good luck on the grind to the next KZbin milestone, bruh. Apir!

[@Madu_abuchi1]

THANKS!

[@benjespina]

Totally agree on the Unionbank UI! Soooo good!

[@roselleparagas334]

It's my first time to see this kind of video. Thank you!

[@marksantiago2101]

Subscribed! Love supporting young Filipino youtubers that create quality content that truly contributes for the betterment of the society. ❤

[@evanessence1085]

Your video appeared in my recommendation and it is so timely as I'm organizing my cashflow. You're amazing!

[@reiconsunji4949]

I am soooo glad that I found your channel!!

[@cohlmemaybe]

Just discovered your channel! Looking forward to more successful financial plans. I'm just a novice in this and really want to be wise in spending money. Thank you for this!

[@jackjack_jk6633]

I like it how Nicole divides the video into parts and makes a flow so that it can be easily understandable. Honestly, I learned more about money from her than my economics teacher from Grade 9 HAHAHAHA, I hope my comment would be Featured in the future

[@sheenaslens]

im binge-watching your videos because I am now 18 and wala pa ako kahit isang savings account! huhu but i'll try my best to start as early as possible kasi I know I will benefit from it in the future! Keep hustling❤️

[@marianavidad9037]

Ohhh, before i used excel/spreadsheet too but now I’m using a money tracking app. We also have the same cash categories!!! This is niceee :)))

[@titoruapureru7725]

yes .. I am one of the gen z learning one of the important lesson in life . For that thank you.

[@aitne2551]

This is my first time watching your video, and i find it really cool! i really have hard times on managing my finances and this could help me a lot. Thank you so much.

[@melbanana8369]

Nakakabilib ka. 👏👏👏 Sana ganyan din mindset ko nung kabataan ko.

[@geloellazar5842]

Malapit kana mag 100k subs! Congratulations in advance!

[@ssharu7016]

Absolutely love your humor and your vlog style! Tell you what, I so admire you kasi at a young age very disciplined ka na sa finances mo. Ako, just recently. And it's one of my biggest regrets - na hindi ako naging responsable sa money ko when I was younger. Winaldas ko lang sa kung saan-saan. Kaya big kudos to you! Just subscribed! And I'm really super interested on how you build your spreadsheet, hope you make a video of it! ❤️

[@GaamTheFool]

I'm kind of proud that I'm watching these kind of videos for my future money management. 🥰

[@blackpinkpet1381]

Omgie sameee, i also do that. Separating my cash into different wallets and not spending the crispy bills.

[@alyssadionisio1124]

You are such an inspiration.

[@321jonathan321]

Cool and helpful video.funny as well not the typical serious boring financial video.keep it up !😊it was entertaining to watch really.

[@ritchierich8987]

Keep doing videos like this because you’re doing it the right way. Very informative and it helps to those people who wants to manage personal finances. A big 👍🏻

[@rrmsxiv]

You gave me an idea how to better record and track my finances! Thank you for this!! Now I'm more interested with spreadsheets, something new to start for the coming year!!

[@Jollibuuu]

This is why Unionbank is the best digital bank for a reason :) super user friendly and secure.

[@TigLe_84]

Like the term "Money Hoarder"😍

[@xylmartin1231]

This is literally the first vid I've watch from you but when I saw your spreadsheet I literally liked and subscribed 😳😳

[@rencycorrige]

I use an app called expense manager so I can easily and immediately input expenses after spending. Then by day's end or after a few days I transfer everything to my spreadsheet. After years of tracking, I've come to a good balance of specificity and general categories. Appreciate the content. Good job. 👌

[@NicoleAlbaYT]

Yep hehe really important to find what works for you! Thanks for watching rency 😄❤🍞

[@NicoleAlbaYT]

@@andreaalexisrivera344 I'm going to have to ask you to stop advertising in my comments section. Thank you.

[@dingangbatonilunokdarna1733]

I'm older than you but you have more knowledge about personal finance than me. I'm envious. Hahaha Keep educating the Filipinos. You're on the right track.

[@criselleb]

This is so cute! Kagigil!!! Nakkatuwa seeing other people track everything! I used an app before, it's supposed to be an everyday tracker but on busy days I didn't get to update it so it was messed up after not putting in things for a few days. Haha you're right about the spreadsheet; gives you more control of how you want to see things and on your own pace. I hope more people, young and old get to be informed like this. Thanks for explaining it so smoothly. I'm pretty adept with all the apps and these financial institutions you discussed but this is a great reference to share to my younger siblings and people close to me in general. Thanks for great content and happy spreadsheeting!

[@nhetteantonio7657]

almost watch all of your videos but ngayon lang ako ngsubcribe.😁...parehas tayo, tracking my expenses from buying 1 candy,fares from trisikad and until when i had my snack center in a university, inapply ko din...but now, im encouraged to put it into spreadsheets..will learn that from now on...sa notebooks lang kasi ko nilagay mga expenses,etc..and also learning what are the funds...

[@biancalim3545]

Ever thought of making a budgeting/tracking template with built-in formulas, etc. on GSheets that people can copy? U can also make a video on how to use the template

[@NicoleAlbaYT]

Yep! I made a video on how to recreate my template here: kzbin.info/www/bejne/f3SykKSKj6qJf8U

[@AelvientureVlogs]

Bakit ngayon lang kita nakita? Magassshhhhh. This kind of mindset is superb! I also have my own "cash" system, and watching this video gives me an idea how to improve mine. So thank you for this. Title pa lang, I know that I need to subscribe. 😁

[@riz7346]

Nicoooole. I stumbled upon your vid and I'm now stanning! Sobrang educational and clear to understand. I'm a CPA but can never manage my personal finances lol. This is my legit first step into taking my finances seriously. Thanks a lot!

[@nicolasfaith6691]

Thanks for the comment send a message for assistance on how to invest

[@nicolasfaith6691]

+1 (7 2 4 ) 6 1 7 - 2 0 6 1

[@yukieiri8314]

Same same same!!! Started tracking my cashflows on my own terms cos apps don't really work well for me. Used to manually track in a notebook, lasted for about 3months, then tinamad na ko hahaha! Just this July I made my own spreadsheet to find out where the hell my money goes. Excel is life!! It gave me more financial awareness since I get to see how unbelievable my spendings are compare to my income. Love your channel and the way you vlog! Keep up the good work!!

[@NicoleAlbaYT]

SPREADSHEET EVERYTHING!! Glad you're enjoying my videos. Haha thanks for watching 😄❤🍞

[@yukieiri8314]

amen!! Your channel came into my life saktong timing talaga. Thinking of joining your discord fam 😁

[@unknownperson9692]

No way. Ur spreadsheet are perfect.