I just hit my first 500k.❤️ As someone who is having a hard time saving on banks, MP2 has been my savior.

I will continue saving up using my credit card wisely.

Deposit 50k every quarter thru bayad online using RCBC CC, then changing it to installment for 3 months (unli-zero installment).

At least, I pay for my savings❤️

2023 ko pa ginawa yung account. Pero this year talaga pinush ko umabot ng 100K. Kaya nmn pala. Disiplina lng 😁 kala ko end of the year ko sya ma achieve. Keri pala half of the month. Despite sa mga Bills to pay. :D

hello! sharing my tiny win this year— passing the comprehensive exams for my master's degree! still over the moon actually because the results just came in yesterday (!!!!) 🥹🌻

i honestly never thought i would because it was a test in more ways than one.

~ the 30+ unit requirement was stressful as hell... four consecutive academic terms (around 1.2 to 1.5 years) with no breaks 🤣

~ the comprehensive exam itself was my personal hell— handwritten siya, kaso maliit ako magsulat, tapos lalong lumiliit kapag pressed na sa oras. kainis ahahahaha

~ i experienced both exam jitters and "pamamahay" (like, being unable to rest due to being in a different place/lodging from home) during the two-day exam, so think of a sleep deprived chipmunk bouncing off the walls from stress 🐿️

~ i also had a lot of WTF IS THIS??? WTF IS THAT??? WTF AM I??? moments, because what the hell were these questions??? ma nag-aral naman ako??? nabobo ata ako??? 😭😭😭

anyway, sharing this moment because it still feels so surreal... passing the compre means i'm halfway through!! thesis writing naman!! then colloquium and defense!! hopefully makatapos na this year hehehehe :3

As you age dun mo maaapreciate yung maliliit na bagay. Its nice to sleep knowing na hindi mo kailangang gumising sa alarm, na hindi mo kailangang bilangin yung magiging oras ng tulog mo bago ka gisingin ng alarm mo. Yung tipong pwede mong gamitin sa totoong rest yung "Rest day" mo.

Good night.💤😴

Hello!

28M, I'm happy to share na after 8 months of hard work na reach ko na yung first goal ko.

Last year November 2025, medyo stressed kase wala ako halos personal savings lahat napupunta sa family (parents / siblings) at pang sustain sa personal expenses ko (rent, food, etc.) kase nakabukod / independent ako sa kanila.

Last November rin nag all in ako at nag start ng freelancing. Pagod at puyat. Day job sa umaga, freelance sa gabi. Minsan 4 hours tulog, swerte na pag 6 hours. Thankfully di naman ako tumagos sa pinto kaka overtime.

Lagi ako may self-doubt at for the longest time ngayon ko lang naramdaman na kaya ko naman pala.

Next step ko dito ay diversification, right now nakatambak sa digitalbank ko pero ililipat ko ito at i-invest (Multiple MP2 account, Intl. Stocks, little bit of crypto) tapos optimization ng expenses.

edit: don't worry guys, nag cacatch up naman ako sa sleep. I take a break rin pag sundays. tapos I do have healthcard and insurance.

Hi everyone! I finally got my non pro license. Nagpost ako dito before about my driving school and now here I am posting my non pro! Here's the steps I did in case anyone wanna ask.
I enrolled to driving school muna. Naka-avail ako ng promo which is 4,300 TDC 15hrs & PDC 8hrs.
Nung nakuha ko na TDC ko, nagpa-medical na ako for 400 pesos since promo din sha if dun ka sa school na yun kumuha ng TDC. The next day kumuha na akong student permit and I paid 250 pesos.

Once I have my student permit nag pasched na ako ng PDC, and I completed it after 4 days (2hrs per day). I got my Student last May 15, 2026.
Total expenses: 4,950

I went to LTO last June 29 to get my non pro kaso hindi ako nakapasa sa written exam 😂 46/60 and passing is 48.
I paid 100.

Bumalik ako July 3, and I passed 55/60!!! Sa driving test din naka pasa ako.
Expenses break down,
100 first attempt sa exam, 100 2nd attempt + 500 sa pag rent ng car (bawal na daw pala magdala ng sariling car so nagrent ako) 585 sa non pro. Total is: 1,285

So lahat lahat 6,235 nagastos ko.

Nagpractice din muna ako maigi magdrive since hindi enough yung driving course na 8hrs. Yung jowa ko naka non pro na sha so he's the one guiding me pag nagpapractice ako. Big advantage sguro yung ilang taon na pagiging passenger princess (motor & car) lol kase may basic knowledge na ako sa traffic rules. So ayun sorry napahaba and hopefully this is helpful!

Driving school: EZ Auto Motorcycle Driving School

Started with 200k in debt due to poor financial decisions. I already paid off spay and sloan last year and now I’m tackling the remaining loans!

For July, i got half of my 13th month which paid off my EW card then the rest i got it sa pay ko. I am currently on survival mode, only 200 per day allowance (incl transpo). I pack all my food (meal prep ng chicken breast + kamote). No eat outs, no luho, no gala (except for november)

Excited ako matapos by December and to start building my savings by 2027. 😭

For me, this is a huge win.

Finally hit ₱500k net worth earlier this year after 5+ years of working. I started tracking my finances two months ago and glad to see it in charts like this. Tracking every peso really helps see areas that needs improvement.

This year, I also started investing more aggressively. I’m still building my portfolio, but the plan is to keep increasing my investments as my income grows over the next few years.

I’m hoping to reach around ₱800k net worth by the end of the year. Still a long way to go, but I’m happy with the progress so far. Thanks!

Finally this year, nakabukod na kame and this week we bought our own washing machine and fridge.

di madali bumukod kase may nasabi pa rin ang in-laws ko nung pinilit ko husband ko bumukod, ganun pala talaga noh?, siguro kase wala ng magbabayad ng bills nila at bibili ng groceries, pinalipat din kase namen ang internet dahil WFH kame pareho ng husband ko. 🥹🥹 kame nagbabayad ng lahat ng utilities, nag-aabono kapag nashort, nagpapahiram kapag kapos ang budget ng kapatid, nagbabayad ng utang ng MIL, lahat ng occasion, birthday, xmas, new year pati pagkaen sa labas kame gumagastos, kame pa nagmamalengke, nagluluto ng handa, but at the end and may nasabi pa rin na baket kailangan pa namen lumipat, di nila maintidihan kailangan din namen ng sariling space at privacy..gusto ng MIL ko ipagawa namen yung bahay nila tapos dun din kame titira, which is di naman talaga ako pumayag from the very beginning kase gusto ko ng sariling property nakapangalan samen. but anyways, mas may peace of mind ako ngayon, ❤️💕 pinagdasal ko din to, after years nagawa na namen.

Thank you Lord💕

the first picture is my portfolio, while the second is my daughter’s.

i started collecting pokémon cards back in 1999 when i was a kid and never really stopped. over the years it became something more than just cards it’s memories, childhood, and a little piece of who i am.

this year, my daughter asked me if she could start collecting pokémon cards with me. since then, we’ve shared something really special. on weekends, we go to card shows in the philippines, we even traveled to a card show in the us this year, and we also went to japan together.

watching her get excited choosing cards she likes and slowly building her own little collection has been one of the most meaningful parts of my life. for me it feels like i’m reliving my childhood, but in a more meaningful way.

now it’s not just my hobby anymore it’s our father-daughter bonding time. two generations, one love for pokemon, and memories i’ll always be grateful for.

Reward System

report card grade (96+ final average): 15 points

reading (20 minutes per day, 5–6 days per week): 3 points

discipline and consistency (excellent behavior, no reminders): 2 points

extracurricular activities (violin, golf, kumon): 1 point

exam, quiz, or practical test (96+): 1 point

1 point = ₱1,000

this system is for my daughter while she’s still in grade school, and it will naturally evolve as she grows. as she matures, i’ll adjust the expectations, difficulty, and rewards to match her age, responsibilities, and the person she’s becoming. she can spend the rewards however she wants, with my guidance of course. and at the end of the day, i just want her to grow up happy, grounded, and always know i’m proud of her.

P.S. i don’t let my daughter rip open pokémon card packs because i don’t want her getting used to gambling-like habits, where you spend money for a random chance at a reward. i’d rather she learn to value collecting, patience, and making intentional choices instead of relying on luck.

if anyone is selling vintage pokémon PSA 10 cards. i’m actively buying at around 80% of current market value. feel free to send me a DM.

My first all expenses paid by me na Bukidnon 2 days and 1 night roadtrip with my parents and brother. Maliit lang naman but it’s a start. Super happy I can do it this year when I started a good paying job last January. Really thankful for the Lord sa provision ❤️

Hopefully I could do more trips with them in the future and more iponing hehehe.

Fresh from the mail 🤭 after x years of waiting I finally got to hold my US passport and take a side by side photo of it with my ph passport hehe

Sobrang challenging na ayaw mo sa sitwasyon mo pero eto lang ang mag bibigay ng opportunity sayo na kahit paano maka bwelo; puyat, stress at personal mong gusto lahat wala na. Andito ko sa work ko for 2 yrs na at halos daily ko isuka at sumpa, sakripisyo talaga. Kahit paano nasimulan ko na yung Emergency Savings at isang random pa para sa kung ano man. Tutuloy ko pa hanggang ma hit ko yung target kong ipon tsaka ko na lang i treat sarili ko. Nag bubunga na rin pala. 🙏

23F, breadwinner. Been working my ass off since I was 18.

Unexpectedly got a lil bonus from my client which helped me finally hit my goal halfway through the year 🥹

Mga bagay na pinag hirapan mo. Mag bubunga din balang araw. 37yo late bloomer but! Finally we are here. Praying for more. Striving for more. Never stop. Even when tired we go on.

Hindi ko alam ano pumasok sa isip ko bakit mahal na washing machine yung binili ko. Wala sana kaming balak since dinidisiplina pa namin ng partner ko yung isat isa na bawasan ang gastos, at ang luho, kaya kahit nung 1 week after lumipat ng house nanakaw yung twin tub washer namin sa labas (oo anlaki laki nanakaw hahaha) hindi kami bumili agad. Mag tu-2 months na kami dito sa new house ngayun lang nakabili. Kase nakita kong tahimik na umiiyak yung partner ko sa cr dahil ayaw matanggal ng mantsa sa damit na kinukusot nya. Parang tinapakan yung puso ko sa kirot. Na pakiramdam ko nasobrahan ako sa pagtitipid. After researching for days, Pinili ko yung pinaka matibay, pinaka mabigat (para di na manakaw ulit), tyaka puti kase gusto nya puti. Sobrang saya nya tyaka 4 hours syang naglalaba nang nakangiti na, 4 loads ata dahil naipon yung laundry.

Sulit sya. Sobrang laki ng pinagkaiba sa twin tub lol. Pagsa-sampay ang ambag ko hahaha

I know everyone experiences life differently but 14 year old me would have never thought that my curiosity into creating exploits or cheats for games would grow into something bigger years later.

For context, I was an avid player of this one gaming platform and was inclined into looking at how the cheats and exploits work and how I could make them by myself. So I taught myself the inner workings and found myself being more attracted towards the game development aspect of the platform.

Now, I have a stable monthly income and just got my first car at 19 years old. Of course, this would not have been possible without Him who watches from above 🙏

Yun lang, hope this can inspire those who are trying their best every day!