Money Mistakes You Need to Avoid | How To Save Money | Managing Personal Finance While Living Abroad

[@JenniferEstella]

Let me know your biggest financial mistake below! 🤙🏻

[@lotusseries1988]

Biggest financial mistake would include Getting married (spent so much for the wedding day, then getting a divorce after and paying so much for the proceedings ( incluing the phil court's recognition of foreign divorce) 🤒

[@JenniferEstella]

@@lotusseries1988 oh man! That’s such a bummer! But you can’t blame yourself, the wedding scene in the Philippines I think is too overrated. When I was young, I also dreamed of a big wedding, it’s quite recently I realized I better put it somewhere else - honeymoon or invest! I hope everything goes well for you!

[@robgilbert3395]

Thanks for being candid. Financial literacy is something that should be mandatory in schools.

[@JenniferEstella]

It definitely is! I can see it’s improving, in the younger generations in the Philippines at least 🙂

[@eldonmalubag]

Rewatching cause it’s my 3rd month in Dublin. 😀

[@JenniferEstella]

Congratulations! I hope you are all settled! How are you finding it? 🙂

[@mateiantohi8092]

When i moved to another country I went over budget constantly and I quickly realized it was because i was still pricing everything in my head in another currency!

[@JenniferEstella]

I was also the same at the start! I kept on converting the prices but eventually, spending on the new currency just grew on me.

[@lasheycurls]

I learned alot , I be making alot of mistakes

[@malouarsua4262]

We must really know how to spend our money, before it's all gone.. Thanks for sharing the financial mistakes.

[@1970simplyme]

Loved the 'old and new me' part - i wish i could go back to all the years i spent money on senseless things🥺

[@JenniferEstella]

Thank you ate!! 💕 it’s not too late, pwede pa magstart ngayon! Hehe

[@FiftyFoxynFierce]

Just found your channel & good video. I cut up all my credit cards years ago except 1 that gives points for EVERY purchase. I use it for everything like paying utility bills & property taxes, donations, etc and I earn points every time I use it. I then pay it off every month so I never pay interest. At the end of the year I use all the points for christmas gifts. It's a nice extra money hack so I suggest taking advantage of a card that has a reward system, use it and pay it off every month.

[@markytv3178]

nice tips for saving money

[@marmarpones]

Finances are so important! You made some great points here. They should teach this in school

[@aliaakmal]

Woww thanks for sharing the tips, it is very useful. Love form Malaysiaa

[@JenniferEstella]

Glad you find it useful! ☺️

[@NEWSBYTES.]

Very important advice. Mostly people live pay check to pay check which is wrong. You are right we must save and invest 👍

[@JenniferEstella]

Exactly, people need to change mindset to avoid being caught up with bills / emergency!

[@BalancedLifeLeague]

money mistakes, awesome video topic especially about managing money overseas. TFS

[@jaime1910]

Very engaging video and full of lessons. What we can share is try to pay urself first every sweldo. put aside maybe 10-20% and invest it and wag gagalawin kahit anong mangyari. Try investing in stocks, we've been doing that for 7yrs now. thanks and keep it up

[@katherinereyes7417]

this is very nice content. Most of us having a hard time managing finances

[@liveyourbestlifewithcam1009]

I believe that all of us have had a money accident before, where we are looking for the money and thought where did it go. We can never be too careful with money. Great editing 👌

[@ronaldogeorge6269]

Nothing short of amazing content. Keep it up . Love your videos. So organized and we'll edited. Instant sub and like.

[@MACRecto]

Thank you for sharing this, I will deffinitly try your advice.

[@LifestyleWithNina]

This was amazing, I really enjoyed hearing this, as I am 22 and really enjoyed hearing the advice before I make the same mistakes! Love the scene of u talking to your past self, that was really cool and well done!! 👍🏽❤️

[@JenniferEstella]

I'm so glad you enjoyed this! Good luck in managing your finances! 😉

[@LifestyleWithNina]

@@JenniferEstella thank you!!

[@thevayables2036]

Very clear and simple tips anyone can try. Thank you very much!

[@keisha137]

Such a great content thanks for sharing

[@PassionAsAVerb]

Lol I love how you did this format. Ooh I have to try this.. because it pushes the message even more than if you were just talking to the camera. I agree with many of your tips. I do believe you need a credit card if building your credit but ONLY if you can discipline yourself to not spend over 10-15%.

[@JenniferEstella]

Aw! Thank you so much! 💕 I’m glad you loved it! ☺️

[@JenniferEstella]

I’ll be watching out for the video when you try this format! 💕

[@muthu9041]

Excellent... Brilliant

[@AmberStofel]

Talking to your past self is so creative!

[@mommymechiel5594]

Ohh I just remember one of our biggest money mistakes but sometimes you just need to go through it to learn. This is a nice content.

[@vinnu9467]

This is very important. Much needed during this pandemic. I need to manage my finances. You have edited it so well.

[@JenniferEstella]

Thank you! 💕 and good luck on doing it! ☺️

[@CarmenCee88]

Thank you for your Tips.

[@suloybatangas2874]

I love how you present this. Super galing! And talagang on point 🥰

[@JenniferEstella]

Thanks so much! Totally appreciate it! 💕

[@julieannemercader1624]

Start saving na ako thanks ate....

[@earnextrawithem1385]

This is such a great video and really clever how you filmed it!! Thanks for being honest.

[@ynewviews]

Love the editing! Great ideas and well said girl..

[@elizabethpenaloza7]

I definitely need to start saving up more it’s not easy but I’m trying I will follow your great tips 😊

[@JenniferEstella]

Good luck on your saving journey! 💕💕

[@leandromedrano3862]

Amazing worth watching thanks for sharing

[@JenniferEstella]

Thank you! 💕

[@nenethpoldiak1960]

And now I realized a lot of mistakes about money thanks for sharing this sis i love this one! Watched some of your vids and I can say youre truly a vlogger!

[@JenniferEstella]

Thank you! This means a lot to me 💕💕

[@annmcgowan8417]

I think the main advantage of working overseas, is to take the money and invest it in your home country where it will buy you more. Example: I was working away and saved money, I waited for the property crash in Ireland and bought property in Dublin. You need to work your compitive advantage. Buying stock you are on the same level as everyone else, but if you have knowlage of your home country you can take advantage of that and find opportunities to leverage your money.

[@JenniferEstella]

You're so lucky you got your property before the crash in 2008. I know someone who's timing was just the opposite of perfect - got a property just before 2007 ended. 😣 I was investing my money in the Philippine market initially but the time difference makes it impossible for me to trade there. I am asleep when the market is open! 😅 So, now I am investing in the US and EU market.

[@annmcgowan8417]

@@JenniferEstella I did some calculation on the Dublin property. I took some property prices from 1990 and added 6% per year componded and this gave me the real price of the house, so I knew that the property market was in a bubble. So I waited 5 years for the crash to happen. Every year my family said you should have bought last year and every year I said I am waiting for the crash. After the crash I paid 30% of the price. The house has not yet returned to the peak price, it might not happen for a few years. When I say invest in your home country, I mean land or property.

[@sarahann530]

@@annmcgowan8417 So you took advantage of the misery of others losing their home in the crash . Well done you !

[@annmcgowan8417]

@@sarahann530 I bought a house with a very short lease, for cash as the banks would not lend on short lease. Because I researched and knew the area, I found out I could buy the freehold. Because of the property crash this brought this house into my cash price range. It had been empty for some time, so I offered 50k less that it was advertised. I usually buy empty houses in bad condition, so I can add value to the property, so even when prices go down I am still ok.

[@sarahann530]

@@annmcgowan8417 So you are a property developer that buys up houses for cash . . You'll be making some money now in rent !

[@ajlifesolutions7072]

I’m happy I grew up to save my money and spend less. It seems very easy to spend outside of your earnings.

[@michellepalma1323]

Good advice! 👍🏻✌🏼

[@lotusseries1988]

Thank you for sharing this very informative vlog. This is something that i really need to know now. 🥰

[@JenniferEstella]

I really think people should start looking at their finances more ☺️

[@AshleySuttonOfficial]

This was such a creative video. I loved that you were talking with your past self. I'm trying my best to get all my finances in order right now. I wish it was something that they taught in school.

[@JenniferEstella]

I so agree with that! The schools never taught us how to manage our finance. I had a lot of business subjects but none of them mentioned about these. I hope you get yours sorted soon!

[@thylacine1004]

My biggest financial mistake was not travelling more and investing in travel......i have the greatest memories travelling,things i will never forget.....now im over fifty im running out of time as its better to do when your young.......travel is not a waste of money,its an adventurous education....

[@Thelisteningbar]

i loved everything about this video your editing skills are amazing but my favorite part is when you traveled back to 2018 to give yourself advice i wish we could do that lol but everything was spot on especially making financial goals and save up for your retirement

[@JenniferEstella]

Thank you so much! This means the world to me! 💕💕💕

[@krisreyes2327]

Hi Jen 👋 I've watched some of your videos (You're first two video and tour in Trulee & Dublin) and it's all brilliant. 👍 This one too.. 👍👍👍 Good advice.. Ang galing nung ginawa mo time traveled to 2018. 😉 I hope you still remember me :-) You Take Care Always :-)

[@JenniferEstella]

Hi Ate Kris! Of course I remember you Ate and our dorm days!! Thank you for watching the vids! 🥰🥰 Let’s connect on instagram ate, or facebook! jenestxx is my instagram, there are a lot to catch up!! ❤️❤️❤️

[@christalynb]

I hope I can also move to Ireland 🙏🏼

[@JenniferEstella]

You can! Good luck! :)

[@shanangslife3759]

Thank you for sharing these tips.. it will helps a lot now a days.. but anyway, great editing skills..

[@LetsTalkTea]

Great tips and I love how you did this video. Kept my interest....and you have a sense of humor. Awesome advice.

[@JenniferEstella]

Thank you! That’s what I’m going for - informative but still fun ☺️

[@fififinance7469]

Thumbs up! Well done! 😍

[@WanderlustBeautyDreams]

These are amazing tips! I'm trying to organize my finances more this year.

[@caseystout3698]

These are some great tips. I use almost all of these. A few new ones I'm totally gonna have to try.

[@rajtri28]

You are right about accountant 😆

[@johnmoloney5296]

Problem is being kind with people like that, doesn't often pay you back

[@RoadtoFIRE]

This video was everything!! Love it.

[@JenniferEstella]

Thank you! ☺️

[@theawazitv]

Your videos are so dope, lol. I loved that old me, new me part

[@JenniferEstella]

Thank you! This means a lot to me! 💕💕

[@hoolyuuh]

Took notes of those tips! Will research more about stocks and bitcoins hahahaha love you ate!

[@JenniferEstella]

Yesss!!! 👏🏻👏🏻👏🏻

[@chynnamariesantos6139]

I love the acting.... Way to go, pot! Always proud of you! 😘😘😘😘

[@JenniferEstella]

Ate Chynna!!! Thank you soooo much!! 💕😘😘

[@princessmarielacebedo85]

Looking forward to Part 2! :) :*

[@JenniferEstella]

Yaay! Thanks nak!! 💕💕

[@SimplyRhi]

My biggest financial mistake was not seeing this video before I moved overseas !! This is such a good video! Super helpful and easy to follow along :)

[@JenniferEstella]

Ah! Thank you! Hope you’re doing well with finances now ☺️

[@litoestella6240]

Well..after all,..it has been charge to experience.. and I can say making us happy is priceless..luv u nak! We are very proud of u.

[@JenniferEstella]

Ang taray! May pa-well!! Hehe! Love you daddy! I’ll do the travelling all over again! 😘😘

[@shairamorales9685]

This are some great tips! My husband and I are actually looking to do stocks share 😉

[@JenniferEstella]

Well done! Good luck on investing! ☺️

[@ReeceCaruso]

These are fantastic tips! and this is such an important topic to be discussing at the moment, I really enjoyed the video!

[@JenniferEstella]

Thank you! Definitely a topic that needs more attention 🙂

[@CarlaCarreon]

My biggest money mistake was I invested a huge sum of money that turned out to be a scam!😒 I’d definitely love to have that opportunity to talk myself out of that wrong decision I made in the past. 😅

[@JenniferEstella]

Oh my! I hope you’re getting back up now! We really need to be careful where we put our money.

[@derekdempsey8506]

Ah Carla you got greedy

[@JohnStormAdventure]

salamat po sa tips, sana makaipon

[@lavdosdos7012]

Galing the edit jen! Nakinig kami ni Mike! :)

[@JenniferEstella]

Yaaay! Thanks Lav!! 💕💕💕💕

[@nichinichi9434]

Good videos very creative 👍

[@vhanravishing1498]

Sharawt pretty girl im here to support to all your up coming vids

[@JenniferEstella]

Thanks so much! 💕

[@jet.est23]

To think that online shopping was not really a thing yet back then! Hahaha! Waaah you the best! ♥️ Financial tips to live by!! 🤑🤑

[@JenniferEstella]

Truth!!

[@alvinomondi6411]

Love it 😅

[@MayDango]

okay lang yun sa travel Jen hihi :) memories with family are the best :)

[@JenniferEstella]

Agreed! I’ll do the travelling all over again!! 💕💕💕

[@itzkeithnicole]

Oh my gosh I love the intro!! Your editing dang! Thanks for the money budgeting advices 😉 have a great day ♡

[@JenniferEstella]

Ahh! Thank you Nicole!! Means the world to me!! 💕💕

[@perrylane]

Good videos very creative, shout out from Tralee.

[@JenniferEstella]

Thank you! Glad you liked them ☺️

[@reselieestella7390]

Bec of this video pina cut ko na ang credit card ko.hahaha.Thank you for sharing this nak.madami ang matututo😊

[@JenniferEstella]

Love it!

[@arbymacapanas2369]

“With my partner at that time...” hhahahhaa shoutout!! Lol Money lost, experience and memories gained. :)

[@JenniferEstella]

Hahahaha!! Hoooy!!

[@maraflores785]

Hindi na ako mag papautang kasi may mga tao na hindi marunong magbayad. That's my biggest mistake. I lost money.

[@stopusinaar]

Travelling is never a waste of money. Its something everyone should do. Lifelong menir3

[@stopusinaar]

Memories

[@JenniferEstella]

Totally! I love travelling too! I never regret them. ❤️

[@shiorenkae]

💯💯💯

[@princesskylieramirez1064]

About lovelife nmn 😁

[@JenniferEstella]

Soon!! Pagnaka 1k subs na daw ako tsaka lang papayag yung jowabells! Hahaha! 😂😂

[@arbymacapanas2369]

Putamnida!! Tawang tawa ako sa padrama skit... hhahahahahhaha

[@JenniferEstella]

Yaaay! That’s the goal - entertain and inform!! 😘

[@MayDango]

Super benta ng may pa old self hhahahhh

[@JenniferEstella]

Haha! Parang group work lang nung High school ano!