Managing our money (How we budget) - losing 50k/month, getting our first car & other money mistakes

[@jesscielo28]

Pandemic also given a chance to start saving again,be intentional in every purchase and prioritize needs..as always Miss Rica your content are worth watching 🙂.thank you for being one of the content creator that has a great videos and lessons

[@ginaebalan4868]

A much needed content in this time. Save, save, save...Para sa mga ordinaryong nagtatrabaho, a PAG IBIG MP2 would be a good investment, no risk pr mga nagsisimulang gusto mag invest

[@Mimsli0718]

2/3--- na maubusan ng pera many times. One day, I told myself I would never feel this way again (na mawalan ng pera). We all know how hard it it to move without money. So when I got a finer job, I managed my salary well. They said it’s not how much you earn but How much you spend. So talagang ngpaka-wais ako sa pag gastos dahil ayoko na ma experience ang panget na parte ng buhay ko na yon haha. Now that I’m married, I got luckier because my husband is really good in managing our finances, he ttaught me basic budgeting.

[@aecaalcantara8351]

Thank you Ms. Carla & Mr. Randell 🧡 Quality content always 📈💯 Grateful to be part of the church community na ginamit ni Lord to give the reminder na everything that i have: this life (relationships, career & blessings) comes from Him, so kahit talagang mahirap din ngayong pandemic, may assurance lang that God’s gotchu & me 🥰 also grateful for my husband who also loves & honors God & for parents who are in the insurance industry, we grew up na marami din hirap na pinag daanan pero they always remind me na if able, it’s good to start saving&investing early pero just incase na dami talaga din kailangan unahin it’s never too late to start & that we can always start now kahit paunti unti 🧡

[@annajanellezurita4016]

This is really an eyeopener not just to young people like me, but also to the young at heart :) more money habits content please, to enlighten us how to manage the God-given resources we have :) God bless you Ms. Rica!

[@maika9659]

ms. Rica ang galing mo po talaga magexplain. in every aspects or lives ang dami ko natutunan sayo :) I feel so blessed and ramdam ko yung pagiging sobrang blessed ng family nyo and people around you just by listening to you and sir Joe. I just love listening to wise children of God like you. May you continue to be a blessing to others

[@ruviruvss]

Haha. Natawa ako. Pareha rin pala tayo. After ko nawatch itong vlog. Ay tama. Wake up call talaga. Kelangan ko na palang mag invest @24. Huhu. Hindi ap huli ang lahat ☺️

[@hassel412]

I always practice delayed gratification. The only purchases that I do that I don't postpone are necessities. For example, vehicle shutdown kasi need ng bagong transmission, I do it right away because we need our vehicle for our day to day needs kahit mahal sya. But things like my camera, I planned and save for it like 3 years before I decided to buy a camera kasi medyo mahal sya. My main approach about money is that if it is not a need, I take time to decided and observe how I feel towards that item to buy. If my feelings change after 1 month or 2, it means it is not meant to buy but if my feelings hasn't change then it means it is meant to buy in the long run because our desire is mostly motivated with feelings and feelings can change overtime and when that feelings change it means it is pointless to buy that item because you get loathe to that item and after a while you will regret buying the item because then you would say "I should have not buy it and look at now I don't want it anymore and feels like wasting money. I think when we buy something, we have to think the long term value and how does it benefit us in the long run to fully take advantage the value of our purchase item.

[@roseannignacio9543]

Thank you Ms. Rica for this. Just this morning I was praying for a sign from Him if I can and if I am ready to invest into properties. And after watching this episode, I felt like He answered my prayers. Thank you! Your words gave me comfort. ❤️❤️God bless!

[@andiromero7195]

Financial Education dapat talaga tinuturo ng magulang or ng mga teacher sa school para mas maaga matuto ang mga bata sa paghandle ng pera. Pag natuto tayong magpriority ng mga bagay na talagang need natin at magbudget mabilis nlang magipon. Mga pinoy kasi kalimitan pag alam nilang magkakapera sila may binibili na sa utak nila wala nmn masama pero sana kahit half nun maitabi natin para may mahugot tayo sa oras ng kagipitan.

[@marylane431]

Thank you for this video Rica. I’m so glad a celebrity has talked about the importance of tithing. Just sharing how we allocate our finances: 10% tithing, 10% savings, 10% giving and 70% for bills and expenses. Delayed gratification is something that I teach my children (especially my girls haha). I tell them we deserve a lot of things, but that doesn’t mean we have to get it when we want it

[@lacrzajejdjd]

Learned so much about this. Hopefully, there’s a next episode about finances. 🙂

[@ThePracticalMomma]

Another 👌🏻👌🏻👌🏻 content. Actually with the pandemic, I was able to save, start my EF.. and now, I’m tracking my expenses and budgeting reveal what are needed and unneccesary expenses.

[@donnaraisatan2793]

Ang ganda ng content mo na to Ms. Rica and yes to side hustle and having an ant mentality!

[@analynsunga4908]

Thank you Ms. Rica! Sobrang amazing nitong video na 'to. I've been struggling with my finances, and yes, desires are strong whisperers! I've always felt bad about how I'm handling my finances, but thanks to you, it shifted my perspective that this is the "economy of the Lord." Salamat po! 💖

[@goldalocks1]

I have learned so much about budgeting during the Pandemic. From investing, saving and prioritizing needs.

[@ederizzaclaudiasupnet1808]

Sa totoo lang mas nakaipon ako this pandemic.. mas naging valuable at natuto ako or marami satin s pera at pag gastos. Salamat pa dn sa panahon na to..💕✨💕✨💕

[@chanhermoso7461]

worth to watch ito yung dapat maraming views na vlog at winawatch specially young people today thanks Ms Rica

[@urmeriendaqueen]

I learned a lot today! And totoo yung side hustle, it helps me a lot! As a 25 y/o living independently, I can say that I am not still good at organizing my finances and this vlog is a wake-up call, haha! I'm also glad to know that I made the right choice to invest at the age of 23! If you can invest now, start now po talaga. :) Thank you, Ms. Rica!

[@Cinderella294]

Omg! Part 2 please 🙏 I loved this kind of vlog! Watching from the US. I’m struggling how to save money po kasi super daming temptation dito but this year I want to make it different. I’m ready to save and sucrifice today for a better future. Also i loved your principle about tithing I’m the same way and super totoo na ibabalik talaga sayo ni Lord yung blessings pag totoo ka sa kanya. And besides kung naniniwala ka sa kayang gawin ng Diyos mo bakit hindi mo sya subukan sabi nya nga sa salita nya test me! Thank you so much, God bless!

[@ellizefunandcraft9929]

As always dami ko na naman natutunan sa vlog mo Rica, We are blessed to be a blessing and we need to be a good steward of Gods blessing to us… Impt talaga ang mag tithes coz everything we have is from God and pag sya ang nag blessed satin liglig at umaapaw. 😍❤️

[@miss.saigon77]

This helps me a lot as someone who doesn't know how to manage properly my finances. As an OFW for more than 10years now i really have to learn how to manage my income now that me and my husband are planning to settle for good in the Philippines 5 years from now by the grace of God

[@KB-oz2xf]

I haven't seen Rica Peralejo in more than a decade. And omg! She still looks the same. Great genes plus great skin care probably.

[@DustinCarbonera]

Hanggang ngayon may physical na pasulat ako sa ledger, pero monthly ako nagttransfer nung data sa isang specific Excel na ginawa ko. :) That way after a month, I have an overview where I used my money. Manual checking also works for me because it slows down the process, and then mas nakakapagruminate ako saan nga ba napunta yung pera. Nag accordion style din ako, and sa loob meron ding envelope per item na may pangalan kasi sa book naman ni Ptr Dennis yung every peso has a name. So that's how I did it, and every year din pala nagccheck ako baka may bagong category akong pinagkakakgastusan. Nakakatuwa na may mga parts na pareho sa process ninyo. :)

[@Kamil-ni3gq]

Thanks for this content! I'm glad to validate 'most' of my practices are wise. Just 3 takeaways: - delete my pending items in my cart 😁 to pursue Storehouse principle instead 😊 - Invest what you can only afford to invest...and lose - Save. Do something your future self will thank you for :)

[@jennylynkaamino854]

Waiting to start. Ganda ng mga content mo Ms. Rica. Excited to watch!🥰

[@Vanessadee154]

Thank you Ms. Rica for this very knowledgeable and inspirational vblog that you made to help others in saving money and also for inspiring us to be a thither for giving back to the Lord a portion of his blessings that will help churches to build and spread the word of the Lord.

[@julzmadrid]

I have been aware of financial management early on sa hirap ng buhay but I still learned so much in this video. Thank you.

[@gracegranil743]

thank you Ms. Rica! totoo na budgeting is a corny thing pero ginagawa ko siya ngayon and super nahelp niyako sa sa limitations and priorities naming mag asawa.

[@learnwithrainne3576]

Thank you for this Ms. Rica. Actually, the content of my vlog rin po is how to be a good steward of resources and kasisimula ko lang po last July. Inumpisahan ko sa series entitled Financial Matters. I believe it is not late for us to change, be accountable and responsible to all the resources that God has given us including money. Let us strive na marinig rin yung narinig ng two servants sa parable of talents na "Well done good and faithful servant." God bless you po.

[@rhizzadeguzman3742]

Thanks Ms. Rica! Young people here. I learned a lot. God bless you! Hope to see more of this type of vlog.

[@melaniemanguera9469]

napakaganda, ang daming learnings.. so true.. una dapat natin itabi ang ating tithes and offering... then your savings and expenses.salamat sa mga ganda ng insights nyo ni Sir..

[@yseandjumie2579]

This vlog is definitely of big help in managing our finances...money per se always comes w a responsibility...save first before spending...God bless you more, ms Rica...💕🙏🏻💕🙏🏻💕🙏🏻

[@solmonic2234]

So thankful for all the learnings! if there’s one thing i would like to impart, if i may, is the importance of being debt free..

[@RicaPeralejoBonifacio]

Depends what debt. I believe in loans especially if u take into account inflation and value of property!

[@sahleeargamosa4727]

I'm 100% agree with you Ms. Sol Monic. I, for one is also "takot sa utang" So during my younger years when I was still working, I started investing on buying a property, build a house which where we are living up to now, buy a car and got my daughter an educational plan which she's enjoying now that she's in senior high school and going to college soon. But if there is one thing that I'm not so lucky is I think putting a business of my own. I tried many times but many times I failed.

[@maym479]

Meron good debt and bad debt Pero debt mag bigay cash flow that’s good.Pero Mas maganda Wla utang dahil Laki interest or Kung mang utang man Dpat bayadan mabilis para less interest

[@IanUntalanVlogs]

Proud Gen Z Na nagsiside hustlingggg ... Slmt Ms. Rica.

[@lykaclairebriones6561]

Miss Rica appreciation post :) its always nostalgic to see you po :) ang ganda at galing nyo kasing artista noon then now, ngshushine parin kayo sa ginagawa nyo :) and marami talagang nakukuhang good reminders for adulting lalo na sa episode na to. Thank you do much , Godbless po

[@esalbuera3832]

Thank you ms. Rica andami ko po natutunan kabibili ko lang po ng condo lastweek and as a probinsyana medyo close minded pa po ako in investing condo.. Negative thoughts pa rin but when i watched your vlog.. Sobrang na enlighten po ako and naencourage how to save more money for my new investment. Thank you po ❤️

[@rosemariesarmiento7130]

Thank you Carla and Sir Randell for helping us Financial Consultants spread the mission of financial awareness to your audience. We should be good stewards of the money God has entrusted us with. He gave us the ability to produce wealth and with it comes the responsibilty to manage it wisely. #1 in our budgetting should be tithing as God commands us to do with a promise Malachi 3:10

[@rhodaalegre313]

Grabe Rica, you are so bright! You have so much to offer your community!

[@angeloscofield1384]

Nakakatuwa vlog ni Rica kasi it's very relatable and down to earth, it's refreshing to see a successful/famous personality living just like normal people like us. More power Rica! ❤️

[@KleyrSant]

Dahil sa pagtitipid mula nung single pa ako, natupad ko ang isa sa mga pangarap ko - simpleng buhay dito sa NZ. Matipid pa rin para di mahirapan sa future pero kuntento na sa anumang bigay ni Lord ngayon. Maraming salamat po Miss Rica. Keep sharing po. Miss ko na pag attend ng mga workshops niyo nun Sir Randell. Salamat po sa mga turo niyo. 😀

[@ruphalumanlan999]

Thank you for this content. I’m Licensed SunLife Financial Advisor, sobrang relate ako sa convo nyo ni Sir Randell. I just want to share din po Ms. Rica that, ngayon Pandemic mas nakkapag tithes po ako ng maayos kesa before na nasa Corporate World ako. So much inputs. ❤️ I appreciate this vlog.

[@jansellpunsalan]

Hi Ms. Rica, sobrang naenjoy ko po itong vlog na to at share ko lang po na sa inyo ko po talaga natutunan ang tithing principle from reading Better Than Jewels devo book a few years ago at mula po doon mas naenjoy ko na po ang tithing.😊

[@Chinxolivagant]

Tithing is something that we owe to God and if we're faithful, we will surely be blessed in ways we never imagine.🙏

[@janiceyamada4297]

Ginising ng vlog na to ang spending habits ko. Salamat sa reminders

[@janinealiswag3857]

It's an eye opener on how I should value my monthly income. Thanks Ms. Rica for a very nice content. ☺️

[@ihaveadreamformykids4400]

Investing in real estate ang maganda talaga. Pwede rin makisosyo sa business or become a shareholder in a business. When it comes to investing, kailangan balanced para when one loses money, you have another one that’s making money. Good luck every one

[@softlifestudio]

The first time I watched this, I committed to God and myself to save and when I opened lastnight my piggy back(ililipat ko ang laman only), Im surprised I've thousand plus in less than a month. Im happy to have my storehouse! Thanksss ate Carla! Now Im watching this with an ate friend who visited me and we did had a grea fun! God bless!

[@maryannsy5267]

Ant mentality🔥🔥 Tithing + generous giving.. ❤

[@marrievyneshakya5784]

Been off from the “accounting” of my finances (since I became a Mum). Thanks for the reminder!! Now to my next purchase....ledger notebook!!

[@jandenzelvicta9724]

Very informative. I'd really like to venture into investing pero minsan ang hirap magdecide where to.

[@Mimsli0718]

3/3--- So nadadala nya ko. I wish I learned financing way earlier para di na ko nahirapan nong mid 20s ko. So I really try to tell my younger friends so spend their money wisely. Isipin muna bago mag add to cart. Haha in fairness when online stores are on sale, I really just buy the “needs”. ❤Almost 2 years na ang pandemic, I guess when everything goes back to the real normal, marami na mag iipon dahil lahat nagulat sa pangyayari. True na this will just really pass😇. My mom just always told us before na “Huwag Mangutang.” 👍Takot sa utang. So naiisip ko lagi yan and now I have no “utang” at all. 👌Hehe but I know may tinatawag na man na good credit diba? By the way, It’s really wonderful how we all could learn so many things her in YT for free. Salamat Rica👌 at Kay sir Randell👌. Na refresh ang isip ko hehe. Nakakatuwa na man ang condo-purchase story mo. Thanks to your mom. 😉❤

[@cycp3266]

Hi Ms. Rica, just came across your channel and have been watching a lot of your videos. I'm 24 yrs. old and the breadwinner of my family.. I'm currently in the path of building financial stability so this particular video is really helpful! Thank you for all your tips and please continue to create these kinds of content!

[@princessnazaire1501]

Seaman papa ko so pag wala siyang work walang wala din kami. Late ko na din narealized mga bagay bagay.. pero now happy ako. ngayon pandemic natake advantage ko yung pag invest sa lot. instead na ibili ko ng kung ano ano.. hindi nga ako nakakabili ng mga gusto ko. pero your vid made me realized na tama yung decision ko. need ko nga lang i work on yung savings... nag accounting na din ako prior so sabi ko sa sarili ko while wfh pa kami. magsave din ako ng money.. thank you ms. rica!

[@estellaniepaguia7077]

Very helpful vlog! Great content. Thank you Ms. Rica! ❤

[@joanjochannel5643]

Super relate and ang dami kong natutunan sa vlog na 'to. Thank you Ms. Rica 🙏🏽

[@Boyloy3880]

Grabe, nakapa galing niyo po talaga mag explain. Lagi talaga ako nag aabang sa mga vlog niyo miss Rica, dahil ang dami dami kung natutunan sayo. Thank you miss Rica! ❤️

[@TharaLetzISLANDER]

Thank you so much for recommending this Yt, I had a decision to make of buying a piece of land or not but I need to wait on paying other debts…as far as tidings…I prefer to give directly to the less fortunate that I see where the money goes versus giving to the church, and no I don’t go to church anymore because I ran across so many hypocrites…

[@emmarieserencio47]

Thank you for sharing Sis, it make sense a lot.. from kow on I will take this as my guidelines in terms of financial decisions. Thanks

[@daracruz7004]

This is awakening for me especially right now na I worry about ano bang need kong gawin as to help me grow as a person, magbusiness ba? since wala pading maayos na work... kaya okey !! I will try to really push my self na makapagsidehustle and use my talent :) yung last purchase ko sa shopee ayun magagamit ko for small business :) I like your topic thank you Ms Rica and God bless you more

[@lucillepiodos103]

Great topic. Informative. Can relate with the accordion wallet though 😄. More of these please , makes young viewers to realize not to oversee the difference between wants and needs. Thanks Ms. Rica and Sir Randel. 👍😁

[@jesslas630]

Ms.Rica, one of your best Content...more of this pls...financial managemnt...God bless u more🙏

[@micab5496]

Dami kong natutunan Ms. Rica! I just want to share that budgeting is REALLY VITAL!!!!! mapa pisong halaga man yan ng ating pera, need sya i allocate ng maigi :) I am currently doing the "Accordion Book/ Saving" and super helpful po talaga siya lalo na kapag nandoon rin yung pang tithes!!!

[@olgaholgado]

Thank you for this vlog ate beshie! Madami ako narealize at natutunan regarding finances. Thank you din po Sir Randel!

[@jennifertongio1060]

Very informative @Rica-more vlogs on saving and investing pls.

[@magielenecandelaria5428]

I've beeng watching your vlogs palagi. And hindi pwedeng wala akong matutunan sayo😊. Keep on sharing your experiences po. Pati si Ptr.pinapanood ko din vlogs nya😊 God bless po!

[@vivianrdf8076]

I highly promote this vlog! I really think a lot of people should see this!! Especially now in the age of shoppee, lazada and all kinds of online shopping. I’ve learned how to save money since I was young. The money i saved from my allowance would all be bundled in rubber bands back then lolz 😂 In college, my classmates would laugh at me calling me “kuripot”. Now, im in my 40s with 3 kids, by God’s grace, i never had past due accounts, never had to loan money out of emergency, and always have savings in the bank. I may not be wealthy, but we have more than enough for our family’s basic needs, R nR , and most all for TITHES AND OFFERING .

[@kayamistad3295]

I had to get my journal and take down notes! Love this so much. Thank you for this vlog!

[@pannacotta6017]

Very informative ang topic sana po mag upload ka madalas ty mam rica :)

[@ruviruvss]

Thank you, Ate Rica. I really learned a lot from you and Sir Randell ... Now i have idea why investments are important for us, young professionals. 🙂 God bless you and to everyone who's reading this. Let's invest now!!tara tara 😁

[@janmarinitrinidad6171]

Buy listing your money na pumapasok at lumalabas nagiging concious ka talaga sa pag gastos. Naging habit ko na sya at nagbenefit talaga. Nakabili na kami ng 3 lupa. May bahay na din at nakapagpakasal at the age of 25. Pero sa lahat na yun ay Gods grace talaga laging magpray lang din. ❤️

[@ernabenedicto2168]

Wow, i learned so much from this vlogsssss, mag save,save,save na akooo

[@nicarmaeestanol]

True to life po ang budgeting. Lalo na po nung nagka pandemic i did not expect na at my age 25 saka ko marerealize na savings and budgeting is real kaya nagkaron ako ng insurance at natuto mag budget, lalong namove yung financial namin/ko because of being a breadwinner natutunan ko na needs are more necessary than wants. Working in progress parin po ako on how to handle my wants kasi mas focus ngayon sa family. This video also thought and remind me about the "economy of God" that if we believe, God is really our provider and source of everything. Thank u always miss/pstra. Rica ❤

[@mishaaustral44]

Thank you for this content po..I'm still a student but I have learned a lot about how we handle money even in a small amount we have..God bless you more po! ^^

[@threemusketarts7395]

Wow.... great vlog rica🥰🥰🥰🥰🥰I’ve learned so much....

[@lykaalonsabe6318]

I just finished reading. The money make over by dave ramsey. Maganda sya I'm now starting to build my Emergency Fund and Paying my debts . I love momshie Rica's content. Very helpful for me as new mom. God bless po. 💕

[@boyextravlog2476]

Ms,rica sobra akong naiinspire sa mga tips ninyo susundin ko lahat ng yan😊

[@imeldawong604]

making money and saving is two different things. maraming marunong gumawa ng pera but dont know how to save it

[@melaniedelvalle1327]

Thanks Ms. Rica!! Lagi ako naka abang sa vlog mo, ang gaganda ng content 😍 I love budgeting. Since nagkawork ako, meron ako notebook for budgeting and same sayo, meron din po ako money wallet organizer from shopee. Importante din po talaga na mag allocate tayo for an Emergency fund 😍

[@mayvilyncabs3845]

This video is so inspiring and a really good eye-opener for younger generations!

[@betweenbituinUS]

Solid!! Simple approach.

[@angelieangwani1644]

Super love this! Ngayon ko pa nawatch na may sweldo na. HAHAHAHA will definitely budget the sahod as in now na! Thank you, Miss Rica. I also opened an account para dun ilagay yung makuha galing sa side-hustle. That'll serve as an emergency fund na. Yiieeee ang sarap po magbudget, parang nakakaproud na good steward ka sa gift ni Lord.

[@sherylbartolo996]

grabe sobrang inspiring.. and dami ko natutunan.. sana ma apply

[@yengozon2496]

I learned a lot from this vlog..thank you Ms.Rica 💖😊

[@benildabauto786]

Hi ms.rica,ingats & God bless u all🙏🏻🙏🏻🙏🏻😇😇😇

[@arlenetablo708]

Ang ganda ng topic mo ms Rica thnk u so much for sharing your wisdom God bless u more❤️❤️❤️

[@Jaha_Ba]

I also believe in tithing because the Lord commanded it to us through His Word in Malachi 3:10. 🤍 This is so helpful Ms Carla..

[@leighann7360]

Same here! I always set aside 10% tithing. And buying condo is a good investment for me. After a year my condo priced 1 more million from its original price. 🥰

[@jovethbulijuan3498]

Very well said Maam.Rica..Godbless you Maam..God loveth a cheerful giver.

[@rafaelaflancia5608]

Your mom sounds so full of wisdom! Baka pwede i guest in one of your episodes. 😁

[@michellevillamor2576]

Really inspiring po..thank you for this kind of vlog Ms. Rica.❤️After watching this,pinag iisipan ko na po i delete ang shoppe at lazada apps ko..🙄

[@Teaching2012]

Hi Rica. I'm a viewer from Australia, now a subscriber of yours after watching this video. Thank you so much. Very helpful and I like the idea of savings. At the end of the day, it's called accountability with what God has given us hey, time and abilities. We owe to use them both wisely, and hopefully produce enough money using both, with enough to save for the rainy day. God bless you always.

[@golddiamond7117]

I just watch ur interview with Toni G,u really inspires me New follower here😘 Watching from Cyprus God bless u Miss Rica and ur family.

[@dreamerlover2011]

Hey Rica! Salamat, very insightful :) God bless always!

[@marielleserrano6568]

Tithing priority tlga! I agree with you Ms Rica. Nice content

[@mcsuyat7834]

Thank you for this. This is an enlightenment for me as a Christian. I am back to tithing because I believe that it is God who provides all this provisions and blessings. But true talaga na and hirap i-resist ng temptations of "wants" and "desires" na nauubos savings ko. But thank God He slowly teaches me to handle my finances properly so that I will save money a lot and at the same time spend to what is just important and needed. I believe that those wants and desires we have can come to us as gifts or prizes if we really wanted it. and if it's not for us and we don't really need it, God will not make a way for us to get it, sometimes He will remove that desire if it would mean us loving or adoring it too much than Him.

[@fatimareyes6384]

Amen! God is good, God is great...thank you Carla for sharing that very important input.

[@jessadevilla9641]

Thank you for this Rica! ❤️ I've got more learnings!!! More blessings to your fam ✨

[@princessjaimeegaliza]

At first ayoko sana ito panuorin. Pero cge na nga. And thankfully i did. Im a mom of 3 and a homemaker. Anyway, my husband is a saver. Puro ipon ipon ipon. Kapag may pumasok na pera ipon ipon. Ako nman may budget, i try to stay on the budget pero sometimes madami tukso or maybe kulang na din tlga ung budget sa taas ng expenses. Thankful for this vlog kasi it reminded me about my wants and needs and priorities.

[@izzavillareal6007]

Thank you, Ms. Rica! ❤️ You’re such a blessing to everyone. 🥰

[@magielenecandelaria5428]

I learned a lot ate Rica. Actually nag struggle ako on how I manage my finances e. Your vlog is very helpful for me now. Thank you! And God bless you more.

[@ivyroseabila4399]

very insightful content as always 😍 keep going Miss Carla 💕 God bless the works of your hands