MONEY GOALS for 2022 🤑 | How to ACTUALLY START Managing Money 💰 | Personal Finance for Beginners

[@NicoleAlbaYT]

I'M BACK! First upload of the year and I'm feeling really excited 🌟 Hopefully you guys got some ideas from this video. Let me know in the comments section what money goals you have! I'll share my own goals in another video 😉 HAPPPY NEW YEAR!!! ✨🍞

[@julieannnartates8057]

YEY!!! ❤️ MY MONEY GOAL IS TO ACTUALLY START MANAGING MY MONEY, BUDGET MY MONEY AND TO SAVE MONEY! ❤️ Naniniwala ako sa sinabi mo na "small progress is still progress"

[@maru4135]

Can you make a video about things you should do when turning in to the legal age (18)

[@iamcrisanto]

Being stuck in quarantine is the perfect time to save money for future travels! That's my money goal 💰

[@charishyase5411]

yey new videooooooooo

[@horhelepasana]

I hope you notice this, I've been watching all your videos and I learned a lot from managing personal finances. I'm still in the progress of my money goals. Thank You and God bless You! :)

[@anthonybelmes3065]

Im 15 and current ABM Grade 11 student. I just want to say that your videos are a big help to me. Im really future oriented and I want to be financially independent as young as possible. I still dont get why my friends (same age group) are not as concerned as me abt these topics tho. I hope you grow more and help more Filipinos to become financially literate.

[@hilaryg.3338]

I can somehow relate to "friends" that doesn't really want to connect in regards to this topic. I'm trying to give them some infos inorder for us to get up together, but really think they are not that interested like me. Btw, 16 years old here! :>

[@deniseabigailperez9698]

Hi! I am a grade 11 student and this made me realize that I have to save up for my future. Thank you ate! Continue inspiring us!😚❤️

[@marcelinomundajr4606]

Ako grade 9 Gusto ko talaga Maganda future ko. 😩😩😩😩

[@DearSandyCheeks]

Your sudden presence in my YT recommendations was one of the best discoveries I had last year. Here's to more breaaaaaaaad 🍞🍞🍞🍞🍞🍞🍞🍞🍞 and financial freedom for 2021! Yeeeeeeh! 🌟🌟🌟

[@NicoleAlbaYT]

YEEEHHH WOOHOOO 🌟📊🍞

[@marythereselosaria5614]

Wow im 25 and you understand this better than i do. So thank you for your videos. 😅💖

[@lloydderonbernal2152]

If you want something or you want to but in an ecommerce platform coz it really gets your attention... stare at it for like a week. Higher dopamine level gives you that "shut up and take my money" mind set.

[@skyphantomhive1845]

I'm a first year college student though I'm not taking accountancy but i just discover your video about spreadsheet and money budgeting and I just started one yesterday!😍 Thank you💙

[@maryrosealcover6470]

I used to listen to Spotify while taking a bath or cleaning the house, but now I download your videos and play it while doing stuffs. Hehe thanks for the great videos and lessons. We read the same books. I find it comforting to know someone who has the same ideas and goals like me. I only know a few who works hard in reaching financial freedom and your videos keep me going. Thanks.

[@janlloydguevarra4262]

I actually recommended your channel to my friends to encourage them to start saving as early as possible. So as soon as this video get released, ill share this immediately since this is a good start for them

[@NicoleAlbaYT]

Thanks for sharing my videos! It helps me out a lot 😄❤️🍞

[@rijncruz]

This should be a recommended video on every filipino's YT. Soooo underrated!

[@Bosdaks]

Your voice is so soothing that I can just listen to all of your videos while I'm working from home. There's a particular tone and accent that I like. Don't know if it is just me or other viewers also notice it. lol

[@09danye]

Hey! Same here. Lol

[@Bosdaks]

@@09danye dibaaaaa hindi pala ako nag iisa wahaha. Apirrrrr

[@NicoleAlbaYT]

Thanks for liking my voice wehehe 😆🍞

[@josephcaiga355]

Iba e haha

[@geraldguevarra424]

Samedt! She’s a vibe! Empowering!

[@giever4099]

Im 37 and im.watching and liking her videos. This is the kind of videos that the new generation needs to watch! Hats off! More power! New fan here. 😊🥰

[@yuujinbak3568]

Been watching your videos since October last year. And it made me realize to quit my TOXIC job and focus on starting my own business. I know that its risky but as you always said "You have to know how to manage a risk". So yeah I'm inspired and dedicated now. Fighting!! #2021Business

[@seuji]

Because of your videos I started to monitor my expenses and even stop myself for buying stuffs since the start of the year 2021. Thank you.

[@robertdemgas5332]

You're gifted kiddo you talked very confident and almost expert about your financial subject. Very comfortable and easily understand thanks for all the information.

[@JonellaVasquezPaulmanal]

I can't imagine what would happen to me in the future if I haven't discovered your channel. I'm 19 and my future self would be so thankful that I took the time and effort to watch your videos, apply what I've learned (keeping track of expenses, investing, saving money, etc), and most importantly, to TAKE ACTION. Thank you so much for inspiring me! You don't know how much you've helped me.

[@marinelcabalang7907]

WOW I WATCHED YOUR FIRST VID LAST YEAR WITH 15.3K SUBS AND NOW YOU'RE ALMOST AT 100K!!! SO PROUD OF YOU!!!

[@hannahbanana7451]

YASSSSS! Been digging your videos for the past few days. Learning so much!

[@NicoleAlbaYT]

YAY THANKS FOR WATCHING!!!! 😄🍌🍞

[@hannahbanana7451]

@@NicoleAlbaYT Drive the busss! Here we gooo!

[@ohgnues23ahsirt]

I only discovered you 3 days ago (thanks to sdm) but you already saved my life. I almost invested all my money to stocks!! Thanks to u i realized there are other more options that im more comfortable with. ☺

[@brigetteannduerme9768]

Grabe ka, thank you! I am 29 but learning so much from you 😍 it's not too late for me though 😝

[@joshuabroqueza8186]

Cheers to financial breakthrough and independence! 🥂 Thanks for this, Nicole! 💛

[@nicolasfaith6691]

Thanks for the comment

[@nicolasfaith6691]

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

[@kkamae]

i started my personal finance spreadsheet last dec 15 and it has definitely helped me a lot. thanks nicole!

[@NicoleAlbaYT]

THATS'S AWESOME!! Keep it up 😁🍞🌟

[@hannaraineurbano176]

Happy New Year, ate Nicole! If possible, can you please make a video about possible side hustles for teens below 18? 🥺

[@PJResusMedia]

Don't forget it's called "New Year's Resolution" not a "New Year's Wish". Hope for the best to everyone 😊

[@janinevillarino5535]

Hi Nicole! I hope magkaron ka ng podcast sa spotify para I can always listen to you anytime anywhere. 💖

[@nicolasfaith6691]

Send a message for assistance on how to invest

[@nicolasfaith6691]

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

[@maxcalizo5753]

because of the recommended video of yours 2 months ago...now im more motivated to earn🥺♥️moneeey moneeey moneeeey!! and bread🤣

[@NicoleAlbaYT]

BREAD!!! I have captured you. Welcome to the BreadFam 😄❤️🍞

[@christianphillipampoloquio6484]

KZbin recommendations killed it today! Watched one of your vids and now I cant stop. Gives me chills when I hear you talk about financials omg

[@mr.m7002]

I just shared your videos and channel to my cousins ages 13 to 21. Keep on creating those financial literacy videos.

[@chyntiaafria]

i'm 19 and i'm really struggling with my financial plan, arghhh still stick to my goal! cheers everyone! just watch nicole i'm feel fresh to set my goal again and action! thankyouuu

[@grantfaelden66]

Yess naman 2021 is the year to get this bread!

[@michaelivanpilapil8709]

Nicole's videos are underrated, she deserves million viewers. YT recommended one of her video yesterday and it encourage me to invest na. I started investing in MP2, KOMO & SeedIn today 🥺. wishing everyone's luck this 2021 & more power to nicole 💙💙💙💙

[@olbetterlife9113]

Great tips! I’m also exploring my money goals this year, Financially this year will be good no matter what. I’m hoping to get monetized on my personal finance KZbin 🙌🏾

[@rimmarafosala4010]

I use a spreadsheet as well and I has really helped my bf and I track down our expenses, savings and sales/profits from our business ❤

[@dayeonii1040]

THIS IS SO HELPFUL!!! really really helpful! i started watching your video: how to manage finances and how to track finances using spreadsheet and now i’m doing it! and i can say it is so helpful because i can see where my money goes and what it is for. i thought when i was a kid that not counting my money will make it bigger, but then i realized having that mindset only results me to spend more money. A BIG THANKFUL TO YOU PO AND I AM REALLY INSPIRED AND MOTIVATED IN YOUR VIDEOS THAT I WATCHED. 🤗

[@justabirdcat7114]

You helped me start and organize my financial planning and investment. And I'm really thankful for that.

[@spider996]

Nicole talk about the skill to develop to avoid losing money, specially for the beginner investor.

[@gelr6848]

"I don't want money to stress me out." Nice statement 💛 You and Charm De Leon are such amazing humans here on yt.

[@soundson2751]

I'm working into paying all my debt as of now and pandemic make it so much hard. I made really bad decisions with my money last 2019 and 2020. Thanks for your contents I learned so much. God bless us all.

[@nicolasfaith6691]

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

[@igtugs7811]

Randomly saw your channel. ❤❤❤ Been needing to get back to the basics since the pandemic happened. Thaaaaaaankk you

[@micahpenas6043]

HARDCORE MONEY HOARDER 🔥😎

[@KevinThePengWIN]

Lets goooo for 2022 and 2023!

[@peppapig5610]

After watching 2 vids from Nicole,I started a side hustle, I opened MP2, started SeedIn, moved my savings to ING Save and started learning Stocks using Etoro, sabi kasi Just start and I think that's the only push I needed after years and years of planning haha you wont really get anywhere unless you take that leap! 😊

[@maryvelcustodio1346]

I also love tracking my expenses like I have my notebook to monitor my cash flow cause. The consistency really come if you have a goal.

[@equilezstealth460]

Thank God I've found you. I'm lost, lost.. Without you.

[@carlserafin3257]

I didn't skip a single ad because u helped me sm >.

[@alvonjay4053]

Swerte naman ng mapapangasawa nito hehehe..practical na, tapos maganda pa..🥰

[@maevisperas6436]

You inspire me a lot! Thank youuu :))

[@marybernadettecaranza9924]

I really need this since I'm already 18 and I need to be more responsible in managing my money (kung meron man😂).

[@NicoleAlbaYT]

Nice you're doing it early!! Lots of time 😄❤️🍞

[@kiaracasinero1526]

yeeeeey! it's never too late. ACTION!!!! 💥

[@mheylinkristeltanhueco8494]

YOUR VIDOES ARE FFFGREATTT!!! THE WORLD NEEDS PEOPLE LIKE U LALO NA WITH THE KABATAANS NOW HEHEHHE THANKS! LEARNED SO MUCH FROM YOU 🤍

[@mariarochellebalina9410]

Hey! You back 🤗 I just finished watching Netflix's Start-Up, sobrang ganda at ang dami ko natutunan talaga. Di rin ako mahilig manuod ng K-drama pero salamat at ni recommend mo di ako nagsisi hehe at sobrang kilig pa 😍😂

[@nadine1049]

Your videos gave me a motivation to know more about financial literacy and now I'm learning to investments! More videos and money to come!

[@riopaolasantiago176]

Last year, I'm just randomly searching a video on YT that can make me sleep. 😂 "Pampatulog." Saw your vid, got curious and voila! I got addicted to your vids, shared it with friends and now proud to say I have two digital banking accounts, two traditional bank accounts, MP2 and an emergency fund! You can explain things in a way na nakakagising ng diwa at madali intindihin! 🍞🍞🍞

[@gedeonvergelvaliente5046]

My last 2 quarters of 2020 were greatly influenced by you and I still look forward to be influenced by you on the following years. Thanks again, Nicole!

[@e-kids3750]

wow.. solid.. before i subs its only 1k. now 90k+. the best

[@chenejoipesebre1329]

I started opening an account in a digital bank, seedin, and mp2 because of you! Thanks a lot for teaching us!

[@aimeegarces2508]

another video that inspires me to do better work every day and start managing my finances :3

[@eugeneu5646]

I always watched your videos. A 29yrs old here learning from you.

[@cjaguilaa]

Happy that I’m doing it correctly, the problem is my discipline hahaha thanks for your videos!! Been watching your old videos since I subscribed yesterday hahaha parang ayoko na tuloy maglabas ng piso 😂

[@all4k4]

Whahhahahahha same

[@cathy52]

I was actually looking for a sign for me to start my financial plans (investing in stocks, business, or just anything to get that bread) cause I'm kinda scared of the risks, and nothing can be more direct than discovering your channel. Love your content

[@PhilippinesUpdate]

Love the bloopers at the end haha Thank you Nicole for inspiring us :)

[@JOHNWlNK]

hahaha I can relate to that shirt thing. you're really fun to watch. I do the same i save 50 - 70% of my income. i have no idea about investing. I'm so glad i found this channel.

[@bjaylabramonte8281]

Please make a video about the best side hustles for students🥺

[@allad7n]

Hi Nicole, Happy New Year to you! What are your thoughts about having loans?

[@snowflakesinthedesert5123]

Hi Nicole! Thank you! I'm really learning a loooot from you. Most importantly, you inspire me to take ACTION and start NOW. As a 20-year old, I feel that I should be more responsible with my life specifically my finances. I liked how you mentioned that your goal is to not let money stress you out or affect your decisions. I can resonate with that on a deeper level. I manifest that this year is a year of abundance for all of us. #RoadToFinancialIndependence

[@amelodyfrancisco2818]

You are finally here. I miss you Nicole. Happy new year.. 😭😭😭

[@NicoleAlbaYT]

Yes hehe I'm back!!! Happy new year 😄🌟🍞

[@amelodyfrancisco2818]

♥️♥️♥️

[@danielleruthhipolito5781]

I already did the first 5 (except the debt one since I don't have any) and this year, I'm planning to start a side hustle by selling some tote bags and doing some animated videos. I hope I'll be able to apply for a credit card in the future. Thank you for this amazing vid again, Nicole!

[@edelestranero9590]

I love love love love this vid!🔥🔥🔥

[@markcongayao1756]

First upload for this year!! More power ❤️

[@NicoleAlbaYT]

LEZGEDDIT 2021 WOOHOOO!! 🌟🍞

[@chemendoza1551]

Learning from a 20 year old...thank you iha...late na yta ako para dito...I'am 40yo now my husband will be retiring this year and still we don't have an extra income or investment...

[@fr_legendz_]

I recommended your videos to my students in one of our lessons in MMW. 😁

[@chaviste9417]

Stumbled upon your channel when I was trying to create my cashflow spreadsheet and I'm thankful that happened. Out of the goals you've mentioned, I'm currently doing 5/8 (financial plan, cashflow, emergency fund, budgeting & paying off debt). Here's to better financial management this year! 💛✨

[@nicolasfaith6691]

Thanks for your comment. You are welcome

[@nicolasfaith6691]

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

[@allyzamaegumayagay7260]

Hi miss Nicole! Idol po talaga kita and you are one of the people that inspires me about financial things. I'm just 16 years old. I hope you can teach me and others how to invest for people below 18. Thank you po Idol!!

[@markcalma4635]

I am claiming that this year will be my year. Thank you for sharing your expertise and wisdom. I am ready for 2021. Thank you, Nicole. Proud freshly baked bread here. 🍞🍞🍞

[@lanzcordero2132]

"Hardcore money hoarder" Love the term 😆

[@joannarose8940]

You're growing so much!! Been here since 2k! Learned a lot from you, thank you so much!

[@osipmaestro8823]

thank you very much! more income,more money hehehe,i like the way you talk money!hehehe

[@raemarygracelavares4873]

So glad to see your about to reach 100K subs, Cheers 🍻

[@doreenoladive]

New subcriber here!!! Can't wait for this vid huhuhuhu. January 1 ko nadiscover yung channel mo Ms. Nicole and ang saya lang sa feeling haha!!! Grabe yung timing kase nagpromise nakoo sarili ko na this year gusto ko na seryosohin ang pagsasave, after watching 1 of your videos naaddict nako and mas namotivate mag save!!! May spreadsheet na rin ako!!!! Thank you, Ms. Nicole! ❤️

[@NicoleAlbaYT]

New year new channel! Haha welcome to the BreadFam 😄❤️🍞 Awesome how you have a spreadsheet na. WOOHOOO Thank you for watching my videos!! 😁

[@g-07jhemariecastillo62]

THANK YOU SO MUCH FOR UR TIPS AND INSIPIRING ME ATE NICOLE! finally open my acct!!

[@g-07jhemariecastillo62]

@@user-ju1ji6vw5c sure po ate Nicole!! I will research for more info's abt that. Thanks for suggesting

[@lifebehindbar]

thanks for making finace management fun

[@NicoleAlbaYT]

Personal finance is fun naman talaga! 😄❤️🍞

[@lifebehindbar]

before I found your youtube channel all I do to track my finances was by tracking it in my head believe me all it does is stress me out , but now that I stated putting it in spreadsheet like wow the difference was like heaven and hell 😂 it makes me really wana save money cause I hate seeing red all I want is to see is green, my goal each month is to see green at the bottom sorry its gone too long, I just want you know how much of a difference it did to me, thank you for teaching this to me 🍞

[@MariaGracia-ut6sc]

OMGGGGGG!!!! Malapit na mag 100k ang BreadFam Nicoleee!!! ang bilis pero well deserved naman kasi talaga!!! kakaexcite shocks feeling ko ako yung may yt channel haha congrats in advance!! :)

[@christianpaguio]

Since i started subscribing to your channel, i opened a CIMB bank account, invested in UITF, built my emergency fund, and read rich dad, poor dad. This year is now a year for me to have concrete goals towards financial independence. Yo!

[@ArlyveeBoyoreLibra]

Same 😄

[@MoneySmartPinoy]

Wonderful vlog. Always looking forward to your latest videos. God bless Nicole!

[@juliabunsoy9896]

Hi im a new bread! hehe i love your content and it leads me to open my mp2 account to my pag-ibig even though im still a student! I start saving my money since i watched your videos, u deserve a million subscribers!!! :))

[@MariaAndersenCrypto]

GREAT TIPS ✅✅✅Let’s go 2021🚀

[@ambifall7053]

ayos talaga to, yung mga mahirap intindihin sa ibang channel dito parang walang kahirap hirap mong pinaliwanag. financial gods hahahahaha

[@gamerRN112]

Because of you im now doing a lot of spreadsheet this 2021. All expenses i do from cents too. . Which in the 1st place i hate using excel but now it okay a with..

[@alaskabank613]

Trade with a company if you don’t want stress yourself

[@beatrixtumulak4744]

Ayyyyyiiiiieeee. Padami na ng padami yung ads ng channel mo. I'm a fan!😻

[@mayoralykah]

Hi Nicole! Your spreadsheet helped a lot in tracking my expenditures especially last Christmas! I was able to enjoy giving gifts without spending too much! This year, I also opened an account at ING for my emergency funds because I don’t want to keep deducting money from my personal savings account for emergency purposes.

[@nowiburgos]

The "Just start" advice was the one push I needed to hear which motivated me to put some of my saved money from last year in a high-yielding savings account (ehem! digital bank hehehe). And the hoarding part from your video is such a mood-lifter! HAHAHA! Thanks, Nicole! Can't wait for your next video.

[@kalderetacurryginilingspicy-99]

True, I'm incoming 3rd year student, saving as Early today; so that I won't stress myself when I already graduated. 💛💛💛💛

[@nicolasfaith6691]

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

[@jennysanchez822]

Nicole! You are amazing! and because of you I am able to understand and feel comfortable to look into my finances! I don't feel intimated and I actually look forward to do my finances! Thank you for being you!

[@beverlypasaporte6753]

Yo Nicole, I've been watching your videos my entire rest day! I opened 3 bank accounts in less than 24 hours. You know what it is. 😉 Thanks yo! Hahahahahahahaha

[@kristelabonal1955]

Hey Nicole, thanks for this informative content again. Intently watching your vids from 12 am till now. HAHA, more breads to you; to us!

[@Solomonskie]

Okay. New content is coming from our financial lodi. Hehe. Patiently waiting po here. 😊😊😊

[@NicoleAlbaYT]

Thanks for watiting!!! Here's some digital bread for you hehe 😁🍞

[@danajamilletolosa721]

Great video!

[@iashh4078]

napaka galingg!! Hahahaha mag 100k subs na! Congrattss!! 🎉🎉🎉

[@iashh4078]

lmao.. report dummy acc. ka 👎😡

[@rezekielynvillareno9486]

New fan here just wanna say how gorgeous you are and inspiring , lovely human 🥺😍♥️

[@altagraciabagasbas-damaler6836]

Not skipping ads. ;)