How to Start Managing Money for Students and Beginners (BUDGET & SAVE) | Personal Finance Guide 2021

[@MikoSantos]

"Once you achieve a level of financial security, not all of your decisions are directly tied to money." This is an underrated idea. I like your videos. Keep it up, Nicole! 👌

[@NicoleAlbaYT]

Managing your finances is really just doing your future self a favor. It's a simple thing that's often forgotten. Thanks for sharing your thoughts Miko! Appreciate the support ❤

[@cryptopassive9994]

if yout using crypto.com you have tron in there. :)

[@justinnacin5525]

@@NicoleAlbaYT sana manotice mo po ako :)

[@leojohnjuguilon5245]

Fluent speaker, on-point statements, great ideas. You're a rising star. You're the first person I followed on Reddit and there are plenty of things I've learned from you. Truly, age is just a number. We are never too old or too young to learn something in this life. Kudos to you and let's all get rich! 💯👌💙

[@NicoleAlbaYT]

Wow, thanks Leo! Glad that I was able to share something that was valuable to you. Age is definitely just a number and we all definitely learn something from one another. Check back this Wednesday for a new video 😉❤️

[@lorenzodejesus1058]

I'm turning 18 this December and, i dunno, my conscience is telling me to start managing my finance. The good thing is I have found this channel. Padayon

[@giannayab]

Hey I’m 26, and I wish this channel was up when I was 18! You’re on the right track. Keep it up! 🤍

[@NicoleAlbaYT]

Thank you ❤ Will definitely do my best 🙌

[@jackmeloff3335]

It’s really refreshing to see someone talking about this! School does not teach this and to many parents are either era responsible themselves or neglect to teach their kids proper ways to handle money! Very well presented and to the point. CONGRATS ON YOUR SUCCESS AND SHARING IT WITH ALL! Thank You

[@user-cm5xn8dj5e]

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[@aceecastillo4014]

"Even if you have the money now doesn't mean you have to get it now." I need to hear this everyday. You're younger than me, but I am learning soooooo much from you. Keep inspiring, yo! ;)

[@user-cm5xn8dj5e]

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[@shubhamsalunke3402]

A drunken mind with wifi and no sleep can really help you make good decisions about money and still learn some really good tips about saving and finance.

[@NicoleAlbaYT]

That's funny HAHA I should try that sometime 😄😄

[@janineque6426]

Nice. What I really like about this is that you incorporate the Filipino culture that YES many of us children up to their 20-30s studying are still financially dependent on our parents. Therefore, we are blessed with the fact that we don't necessarily need to set up an emergency fund first. I always got confused with this because listening to American based advice that we shouldn't start investing until after all of the ground work is covered put me at a loss. Where do I start then? How do I start earning money to be able to build the emergency fund if I don't start investing while I'm studying. Or in my case -- I can't accept a full time job na "side hustle" because I have a few months before I start practicing medicine, so these investments seem to be the most logical way to go. So yeah, this video helped clear it up for me :)) I appreciate this, you are years and years financially wiser than I am hahaha

[@phlev1998]

Im so happy my 2020 ended by me randomly landing on one of Nicole's vlogs then becoming a total fan. I love how she's not only knowledgeable about what she's saying, she's also passionate and also genuinely wants everyone to benefit from what she knows. Ive been recommending her videos to my friends and family ever since

[@user-cm5xn8dj5e]

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[@keymanalo]

I literally changed from 'salamat shopee' to 'salamat nicole alba'. HAHAHA. Somehow, nagimprove yung paghandle ko sa pera when I started watching your vids. More power.. and money for us. 🤑

[@ainakkoch.-2200]

hooray to this channel, im trying to save myself HAHAHAHAA learning from someone whose younger than me, definitely interesting hahaa

[@NicoleAlbaYT]

That's awesome! How old are you? 😲 Great to see younger people on this channel 😁❤

[@ainakkoch.-2200]

*it was younger, sorry :c but anyways I'm 22. I'm really thankful to your channel uwu hopefully more videos to come, your videos will be part of my morning na, as I drink my cup of coffee

[@NlynChu]

Good for you!! Im almost 30 and im enjoying this channel!

[@mariellasevillanaonoya3389]

Count me in!! Hahahahaha

[@jezreelcayaba1036]

"You are your biggest investment." Yasss ❤

[@5shakewell]

Ung sinabi nya sa 5:17 - 5:32 nakuha mismo ung idea (that I can't even put into words) kung bakit gusto kong kumita ng marami at sariling pera. Glad I found ur vid. Thank you♥️

[@hey_shanshine]

my adviser just told us that we should use our time wisely & use our time to become a better person I have 30 minutes before math class & just want to at least know about these things that can help me & to learn something at a young age. Thank you & will really use my free time to watch your playlist about financial

[@kylelancekettenacker9938]

I absolutely love the idea of a 'Want List.' I come to find that I don't really care as much anymore for the things I wanted to buy a few months ago and I no longer felt like the Spongebob I NEED IT meme. Definitely helps if you're a chronic impulse buyer.

[@NicoleAlbaYT]

Right? The extra time you give yourself makes a big difference in your buying habits. As always, thanks for sharing your thoughts Kyle! 🙌

[@yellowcarbb]

I love the mixture of memes, gifs, and humor. Makes this channel so unique and entertaining :)

[@arjohnquijano6443]

"Even though you have the money now, it doesn't mean you have to spend it now" Makes my day✨

[@kurapikahh6441]

I'm an eighteen years old 2nd yr college student. I love how you educated me on something I'm really curious about. Since we're in lockdown, I wasnt able to get daily allowance from my parents. I hope I could open at least 2 bankaccounts by the end of the yr. Thank you!

[@NicoleAlbaYT]

That's a great goal! Kaya mo yan hehe 😁 Thanks for watching 😄❤🍞

[@genesrosecatemasanque]

As a 20-year-old student fighting financial and career anxiety, THIS IS A SAVING GRACE

[@phh.8393]

Love this young woman. She's very sensible and her explanations are very clear and on point. You are doing a great job inspiring these young people to be financially literate and responsible. She deserves more subscribers

[@viennii7529]

Im only turning 14 this June but lately I’ve been watching this types of vids also because i want to make money, save and etc. I like how you connect to your audience and I immediately subscribed☺️♥️

[@ValyrieCHaban]

I'm only 16 years old and I really want to start invest since u inspired me. Happy to accidentally watch your videos. New subscriber here. I love learning from you. God bless u ate!

[@OyepearlTV]

Financial education can never be over emphasize,I always love to have finance conversation and to also hear people talk about finance. Thank you

[@lunamoon8852]

I love her energy and vibe. I used to so stressed out with my finances but the way she talked about it, seems like shes actually enjoying all of tis money stuff :D

[@reiannjhaengateg2888]

I swear if i became rich i wont forget u HAHAHAHHAHAHAHA

[@NicoleAlbaYT]

Tara let's all become rich!! 🤑🤑🤑

[@pishsda6791]

I'm glad I found this channel early. I'm only 16 and I'm interested in investing and financing but I don't know how and where. Keep going ate your doing good!

[@kimm5061]

"Even if you have the money now doesn't mean you have to get it now." I need to hear this all the time huhuhu thanks for this.

[@vigilanterigs13]

Okaaaaay, I just watched this (Time Check: 2:30 AM) and rewatch it tomorrow and take some ACTIONS and jot it down on my journal✊✊✊🥰

[@jae6549]

this is me watching ur videos after realizing how i impulse buy from monthly online sales then wondering why i'm ending this year with no savings at all. here's to becoming financially responsible in 2021!

[@carmeladawnt.adolfo9665]

Hi! I'm 16 yrs old about to be 17 and watching this hoping that I'd learn something. I'm really bad with money huhu. No income nada..I feel sorry for myself😅

[@joshuaramon123]

I'm an incoming second year college student and I'm so glad I came across with one of your video, because financial literacy is the thing I never knew I needed in building my future, so thank you! 😁😄

[@NicoleAlbaYT]

Welcome to the club! HAHAHA I'm glad I was able to get you interested ❤ Stay tuned for next week's video 😉

[@renonmarieeugenettec.5875]

Gosh! Thank you so, so much for this blog! I'm learning a lot from your videos ate. I am 18-year-old, an incoming freshman college and I really want to start investments now. More videos to come, and God bless!❤️

[@kyleemacgermita5455]

Noong may f2f classes pa and I have to board for school, I set aside an emergency fund. That's for when I ever I lost my wallet or overspent on things I have a safety net that is enough to cover my fair pauwi to my parents. lol I learned something new!

[@pam6107]

This is by far one of my the best 3am finds!!!

[@lhesterreyes8329]

yup you're right budgeting and saving money is the fundamental for managing your money.

[@enorilynmelchor217]

Thank you so much for doing this videooo sooo helpful for me especially student ako and now we don't know what's gonna happen to the world so important talaga yung pagsesave ng money yun na yung iniisip ko ngayon, saving money and hope to make money❤️ so helpful vids and entertaining✊

[@jermaineabenoja3068]

AAAAAAA I can’t wait for the next video!! kudos to you for filling this video with tons of memes, and it’s fun to watch you (I hope that didn’t sound creepy, just trying to point out that you’re not boring hehe). you’re also very good with words.

[@NicoleAlbaYT]

Jermaine! You're always so supportive. Thank you so much ❤ Not creepy at all hahaha 😆 Really happy na I was able to entertain + educate you at the same time HAHAH

[@foodrevph2236]

I can't stop watching your videos.They're so addicting.Well,learning should be fun.

[@gamalieleapalit4011]

Thanks to this vlog channel. I wish there was a channel as simple as this 10 yrs back. (Of course there was cguro naman pero probably not delivered this way na simple and practical ang approach). Point is you are right, invest habang bata kapa you still have time to correct or learn from it just in case you fail. Anyway, keep this up kid.

[@monamai8660]

BSMG was a great approach to talking about Money

[@camilleerikamadrideo5901]

I'm much much older than you are but so stupid in managing my personal finances. thank you in making budgeting, investing etc simplier

[@QarlaC]

Finally found a channel that is simple to understand yet very informative about financing! i wish i knew this beforehand and wish they teach these kind of things in school to prepare us for the “real world”. you are an inspiration! keep it up! 👏🏻

[@altcoindaily3914]

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[@moonzhild]

Thanks for sharing Nicole! i love everything you talk about on this channel! Just an addition, an Emergency Fund is an insurance that protects your assets. So when something came up, you can use that fund and not get money directly from your savings or business money 👌🏻

[@nealc7518]

1:19 I'm pretty sure this is a professional advice. 😂 TIL how to use a wants list. Thanks. More memes please! 🙏

[@NicoleAlbaYT]

Haha thanks Neal! Serving you memes for days 😉 Will definitely do a more-detailed break down on Want Lists in a future video 👌

[@ma.lorelyncabrera6168]

Thank you for inspiring us 💙

[@user-mo9py3ve4n]

I am so grateful I have watched your video❤.

[@lance786]

Thank you for this kind of informative video very useful 🤗

[@graciamaepepito8929]

Hi! I just want to show my appreciation by saying, you're the one i was looking for since i was 15! A bit exaggerated! But it was true! I was watching Sir. Marvin Germo's vlog when i saw your name on the comment section. Thanks God for following my instinct to search for you because now i know where to start! I've been watching a lot of people's journey to financial things and such but i always encounter a problem, some are already stable, have work, or already established their way to the stock market. None of them were a struggling individual and a student like me, who don't have a huge money to waste lol! New subscriber here! And willing to stay!

[@janiecipriano6704]

i am 29 and learning from way younger to me how to finance my money. im learning a lot from your videos. keep it up! im hooked!

[@altcoindaily3914]

I•N•V•E•S•T•~I•N•~ B•I•T•C•O•I•N•~F•O•R•~H•E•L•P•~A•N•D•~G•U•I•D•A•N•C•E• W•H•A•T•S•A•P•P•~•C•O•N•T•A•C•T= +•1•2•5•1•2•7•0•0•4•6•1••~~

[@MonkeyDLuffy-kv2fi]

I'm really thankful I found this channel. Thank you for creating informative contents 💕

[@krayz6131]

Ang dami ko nang napanuod na how to handle your financial wisely. Pera nalang talaga kulang HAHAH

[@TeacherMariePh]

Hi Nicole, would you recommend it if I put my emergency fund in CIMB or any digital banks? Thank you

[@myonlyhope7]

Up dito hehe yan din concern ko

[@srose00333]

I was thinking of starting my own YT in regards to personal finances but after I watched every other video of yours, I was like nahh she explained it better and I'm learning 😆 kudos!!! Love your contents! 👍🏼👍🏼👍🏼

[@michaellevosada2927]

I just discovered this channel today. I hope I could learn so much here as I start my life as a young adult na hehe

[@jkmqwerty4304]

whew. mas marami pa akong naintindihan sa channel nato kesa finance classes ko nung college pa ako. lol THANKS will watch all ur vids! :D

[@pinedbyminarealty9610]

Appreciate your comment for future guidance in crypto Bitcoin Etc, trading *+1=√2=√5=√1=√2=√5=√0=√3=√6=√8=√7✓✓✓✓======*

[@marianavidad9037]

PS. I’m having a marathon of ur vids rn ahhaha! Thanks for ur time, talent, and knowledge sharing with us :)))

[@gerlynnollan5634]

Hi Nicole, just wanna know your thoughts on single professionals who were continuously supporting their family as a bread winner and shouldering/paying their fam's debts as well. How would deal with that as part of one's own finance management and goals? :)

[@armytea2701]

im turning 20 and wanna be financially independent, thanks for sharing your knowledge with us

[@darylco4349]

I'm really fortunate to have come across this YT channel at 17 years old. Thanks for inspiring me to take action, ate! I'm definitely going to try investing when I turn 18. For the meantime, imma watch all your vids, do a bit of research, and LEARNNN SOME MORE hehe.. LET'S GET RICH TOGETHER GUYSSUEE!

[@darylco4349]

@Nicole Alba scam!

[@matthewfrancoachmatt8246]

Interesting summary , this is a nice way to frame the idea of personal finance =) Keep up the content

[@maekrish6974]

Hi,15 years old school girl here learning from you❤️

[@angelavalencia706]

Omygod finally another sign HAHAHA!!! I've been saving money since I was young. I know how to keep money but I don't how to grow money that I've kept that's why I literally spend it na lang for the things that I want since my mindset has been " always YOLO". But thank you for the tips. You help me to get right on the track again. I love your videos!!! You are so helpful.

[@alliebaldemor614]

I wish someone told me this when I was younger. Hahahaha. I just turned 30, but I still think I can catch up. Been sharing these vids to my niece/nephews. Hahaha. Im that kind of tita.

[@abigailarreola8305]

Ikaw yung mga tipong gusto kong kausap. Hahahaha! I wanna meet more people like you :)

[@filmsbynala]

I just love your videos Ate Nics! The way you explain things is so on point that I can go with smoothly and grasp things just perfectly. Thank you for making videos like this. : )

[@kenxinhxc1635]

I'm 25 but ang dami ko natutunan sayo thanks

[@realmango9230]

Cant wait for next week! Been reading a lot of books and tutorials. Pero still cant start :(. Looking forward to your next vid!

[@NicoleAlbaYT]

Kaya mo yan! Baby steps and you'll get there ❤

[@uchihayunito715]

Thank you for sharing this!!!

[@denisegesilva3082]

I earned 35,000php already by investing 200,000php during the pandemic, since 2020. In BDO UITF funds. I plan to just keep the money there for 20 years. At this rate maybe it will more than double!

[@egosunsense3420]

Cheers! Watching this just now. very articulate and on point.

[@sunshine6352]

Finally! I'm waiting for this. Dapat talaga spend less at more on emergency funds tayo dahil di natin alam kung kailan mangangailangan. Loved this! Next thursday ulit! Haha

[@NicoleAlbaYT]

Yes, especially during times like now. Best to be prepared than to be sorry. Thanks for watching this week's video, Sunshine ❤ Next week ulit hehe 🙌

[@LoveIsNotits]

Such a young lady full of financial acumen. God bless you.

[@KenzouSamaMCgaming]

thank you soo much for all idea ate I'll appreciate ❤️

[@ms.g.614]

Let's claim: YOU'LL HAVE A MILLION SUBSCRIBERS IN NO TIME!!! Business and money-related terms intimidates me a lot, but you managed to explain it in such a way that its sooooo easy for us to understand. Thank you for that...Anyway, i'm a 30 year old who did A LOT OF BAD DECISIONS, do you have any message to those who are just like me who thinks its too late to save and invest...

[@jamarquiza2223]

Napakalinaw ng explenasyon , salamat dito ;)

[@erikhaolivarez9498]

I really love this episode!!!! Kudos on this one, makes me want to manage my money even more! Thank you

[@pinkprincess7161]

I love listening to you! You make budgeting and planning money fun. I wished they taught these in HS and hire you as one of our teachers. haha

[@JOHNWlNK]

wow, you are very smart! I hope everyone has a mindset like yours. People always forget to not go beyond what you earn. 1-time big-time mindset lol.

[@joakimhyland9494]

Thanks for commenting. Feel free to write a professionel

[@joakimhyland9494]

I can't give out her personal information here without consulting her first.

[@micaeladenisemorato6228]

Wished I watched something like this nung student pa ako. Hahaha. Great content!!

[@NicoleAlbaYT]

Never too late diba. At least you're watching this meme-filled video now 😉😂

[@micaeladenisemorato6228]

@@NicoleAlbaYT can wait for the next video!!! 💜

[@acedee765]

So much brilliant information. I'm so thankful she's speaking in language that I can understand. Math is so difficult for me much more the finance jargon. I love listening to her balanced ideas. Amazing wisdom for such a young woman.👏

[@pinedby.producermichael6588]

Appreciate your comment for future guidance in crypto (Bitcoin) trading *+1=√9=√5=√6=√6=√0=√8=√7=√1=√6=√7✓✓✓✓======*.

[@randomguy6515]

great vids! this is the best suggested video so far by yt. i dont usually comment on videos but your spread sheet caught my interest. im nearing in my 30's and i want to learn the basics of how you monitor your finances, savings & investments. hope you make a guide or vid about it soon! good luck!

[@miklewej]

I love watching her videos.. why? 1. I learn so much about finance, budgeting, etc. 2. PARA AKONG TINUTURUAN NI DONGHAE 😍 being a Super Junior ELF, ang saya sa mata lasi hawig nya talaga si Donghae kaya lalo akong nakakafocus haha

[@dalemcbroomn]

I appreciate your comment, you can text my business number for trading tips

[@dalemcbroomn]

+. 4. (4 7 4). (4. 1. 4). (5. 2. 5. 7. 4) WHTS//APP...

[@davidarving.8803]

lovee this channel. dami ko po natutunan sayo ate Nicole❤️❤️❤️ thanksss

[@mangomonkeylearnsmoney1081]

Your channel is so good.. so different from the other personal finance KZbinrs haha.. so natural

[@ChieMoy1111]

Im 27 now but this video makes me feel unknowledgeable about my finances 😂 and at the same time sobrang helpful . Apakahusay 🥰 right vlog to invest my time 😘 keep vlogging po. Madami kang natutulungan when it comes to finances. Basic pero malupet 🥳 plus the humor 😘 Lurve it 😁

[@NicoleAlbaYT]

AW THANK YOU!! It means a lot to hear na you're enjoying my videos 😄 Finance doesn't need to be complicated talaga haha. Thanks for watching!! 😄❤🍞

[@christianpalis9850]

I love the opening clip, so cute HAHAHAHA

[@jmcortez7656]

Loving those ghibli memes🤣always makes it easier for me to understand those difficult terms though memes hahaha. thus the true power of memes.

[@angelaenteria2952]

I've been wathching yt for a long time and this is the first time i'll comment on a video hahahaha Just wanna say I love your contents!! been watching vids about personal finance and investments and so far your vids are on my top list (enjoyed while learning). would def recommend this sa mga kakilala ko. KUDOS!!!

[@enorilynmelchor217]

Imma binge-watch this more than netflix men✊❤️

[@dave121594]

Just subscribed to make myself accountable in budgeting my money :)

[@jessamoratalla8412]

i didnt even know im doing budgeting wrong till I stumble upo this content. love love looooooove the memes😂youre amazing

[@imjoshtayawa]

Let's all be rich!!!!! That's the goal 🤑🤑🤑

[@marianavidad9037]

Whoa, there are really like me who’s obsessed with tracking flow of money, income and expenses. We have the same approach in most things esp the want lists (and will buy on a later date). But to share, I haven’t read RDPD book, will do soon!!! Thanks for ur insights :)

[@user-hs7lk3ho5e]

i really love your videos it's easy to understand, thank you so much!!

[@notyourmasterboi7597]

Yo nicole! Im a seafarer and this helps me a lot ! Thankyou for this!

[@dianarosebutuhan6095]

After my very stressful work I am heading right away in your YT channel yo! So it is like my bedtime story (a very meaningful story) Soooooo inspiring! ❤️❤️ Let us all be rich yo! Ps: I am actually always checking how many subscribers you have every single day and I am soooo happy to see na mabilis na dumadami subscribers mo. GOOOO FOR 100K AND SILVER PLAY BUTTON!

[@yuwelgalang9393]

Ate Nicole Alba BTS of this video *nanaginip about managing personal finance *Just got wake up, Ate nics: I need to share my dream to my youtube followers! *grab phone and shoot a video! (atlis maganda paren!) hahaha kidding aside, ate nics! I'm a fan of yours naaaa! I've been following you and your financial advices, na nag lead sa sakin na panoorin itong playlist mo.

[@alexei.prepelita]

Great Nicole! Love your style and the you explain is very clear and easy to act on :). Carry on please!

[@JemTangonan]

I'm already 19 . I want to earn money and invest something then, I saw you video. Hope it will help.

[@arthuralice7404]

Mrs Jessica is legit and her method works like magic I keep on earning every single week with her new strategy

[@arthuralice7404]

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[@arthuralice7404]

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[@hour2midnight]

Glad I found your channel! Keep going, Nicole! I love your vids!