r/financialwinsPH

I am an employee for nearly 4 years now after graduating in 2022. I work in a BPO company having a decent salary (bilingual nonvoice).

I had around 400k savings, then went on a trip to Japan, Korea, Hong Kong, and Thailand in a span of 18 months. That cut my savings down to 200k, and I entered into the worst financial decision of my life.

I started gifting Tiktok streamers and fell into a never-ending spiral of swiping and paying but no matter how much I paid, lumobo lang nang lumobo.

My 200k became 100k, and that became 50k and such. I quit in January 2026. At that time, I had 90k in credit card debt and was really struggling but I had made my mind fully about getting back. I literally zeroed out my savings and started from scratch.

I went to Thailand again for a much-needed breather and had to change my dying phone for a new one.

It is August 2026, and I am projected to reach 200k again by the end of the year. Thank God for enlightening me and for giving me the most expensive lesson of my life so far. I only have 4k left on my cc debt after having 50k-100k debt last year.

Any tips or sidelines I can do to augment my saving a little bit?

This is my updated portfolio, what would be the best next move? Is my EF enough? Do i need to time deposit my funds(100k)? Or do i need to try gotrading? I kinda hesitant to do mp2 because of liquidity restrictions.

I’m a breadwinner and working as a Virtual Assistant. Malaking percent ng nasa debts jan ay yung payable para sa binabayaran kong dalwang lote. Expected matatapos ang lahat ng utang by December 2027 🙏 As in sabay sabay lahat matatapos. After 5yrs in debt, unti unti ko nang nakikita yung light sa end of tunnel 🥹 Hindi naging madali ang lahat, pero ang dami kong natutunan. Basta ang pinanghahawakan ko lang sa ngayon. Makakaalis din tayo sa negative days at makakaipon ng malaki soon. KaFaith lang. Walang isang taon na bagyo 💪🙏

Goal ko lang po makasave ng 100k sa savings ko and nakasave na ako pero I still plan na magsave ng 6k every month pero sa maya kasi up to 100k lang yung may 10% interest and beyond that, 3% nalang. Kaya plano ko lang na hayaan dyan yung 100k. Gusto ko i-invest yung 6k sana and i’ve done some research pero gusto ko pa rin makarinig ng mga advice from someone na may actual exp na. Salamat po.

Finally reached this milestone after more than a year of working at minimum wage. It really took a lot of discipline and patience and although i'm well aware na mababawasan pa rin ito at some point, i'm still quite proud of myself 💕

Posting here to ask for advice on how to maintain the money that I have and/or help my money grow? Where should I store my money and how/where to invest?

Debit cards are no longer just for ATM withdrawals or another payment method. Some debit cards now offer cashback, rewards, and even 0% forex fees.✨💳

Here are the 𝐦𝐨𝐬𝐭 𝐫𝐞𝐰𝐚𝐫𝐝𝐢𝐧𝐠 𝐚𝐧𝐝 𝐮𝐬𝐞𝐟𝐮𝐥 𝐝𝐞𝐛𝐢𝐭 𝐜𝐚𝐫𝐝𝐬 you can use here and abroad:

𝟏. 𝐌𝐚𝐫𝐢𝐁𝐚𝐧𝐤
💸 Earn 1% cashback when you pay in-store or online in the Philippines using your MariBank Card.

🌎 Enjoy 0% forex fees and free ATM withdrawals abroad.

💵 Sign up using referral code 𝐋𝐄𝐌𝐎𝐍𝐄𝐘𝐃𝐏𝐇 and receive ₱𝟏𝟕𝟓 𝐜𝐚𝐬𝐡 𝐫𝐞𝐰𝐚𝐫𝐝.

𝟐. 𝐆𝐨𝐓𝐲𝐦𝐞
🌟 Earn Go Rewards Points every time you pay in-store or online using your GoTyme card or app.

Earn 1 point for every ₱100 spent at Robinsons Retail brands and 1 point for every ₱500 spent everywhere else.

🌎 Enjoy a 1% forex fee.

💵 Sign up using referral code 𝐆𝐓𝐋𝐄𝐌𝐎𝐍𝐄𝐘𝐃 and receive 𝟏𝟎𝟎 𝐆𝐨 𝐑𝐞𝐰𝐚𝐫𝐝𝐬 𝐏𝐨𝐢𝐧𝐭𝐬.

𝟑. 𝐌𝐚𝐲𝐚
💸 Get 1% cashback when you pay in-store or online in the Philippines using your Maya Card.

💵 Sign up using referral code 𝐌𝐀𝐘𝐀𝐋𝐄𝐌𝐎𝐍𝐄𝐘𝐃 and receive a ₱𝟓𝟎 𝐰𝐞𝐥𝐜𝐨𝐦𝐞 𝐛𝐨𝐧𝐮𝐬.

𝟒. 𝐆𝐂𝐚𝐬𝐡
🌎 Enjoy 0% forex fees when using your GCash Card abroad.

🔎 Compare high-interest digital savings accounts at www.lemoneyd.com

May ganito pala na sub. Medyo late post na 'to pero wala kasi ako masabihan.

I started with PSE then moved to IBKR gradually since Aug 2022. Finally, settled with VWRA.

Consistency is really the key.

I’m 27 and currently working as a VA.

After a year of working, nakapag-save ako ng ganitong amount, and right now, feeling ko this is the best time for me to start investing. The problem is, hindi talaga ako financially literate, so honestly, I don’t know where to start.

Could you guys please guide me on what I should prioritize first, what I should invest in, how much of my monthly salary should I save or spend, and ano pa yung ibang things na kailangan kong malaman?

I’d really appreciate advice from people who have been in a similar situation. Hindi naman ako naghahanap ng get-rich-quick scheme. I just want to learn how to manage my money properly, build my finances, and eventually make my savings work for me.

I do not have a job. I do not come from a wealthy family. Kaya it is hard for me to save money, considering na I barely have any to begin with. Kaya I am very proud of my first 25k. Whenever I see those posts na may 100k+ savings sila at my age, I feel envious. Pero narerealize ko rin na they have a better starting point to begin with.

I had an SPayLater addiction. Umabot ng 12K ang bill ko for 3 months. I deleted Shopee na to save money. I also lost 4k sa online gambling 🙂. Lesson learned na po ako haha. I stopped doing those, and from June to August, savings ko went from 6k to 25k. I hope mapatuloy ko ito ❤️

I was very irresponsible when I was in my 20's. YOLO pa nga, na every pay day, break even. Puro swipe ng credit card.

Now I am in my 30's, I try to be more responsible but also enjoy life! I get to travel every month and I also get to save. My goal by the end of the year is to achieve 90K.

Tip for those who are in their 20's, be consistent in investing! Kahit tig-1K pa yan, okay lang yan, basta every month mong tyagain. It will grow eventually.

It took years of hard work and patience, but I’m finally starting to see the progress I’ve been hoping for. 🥹🙏

Still a long way to go, but this feels like a huge step forward.

Legit kapag mababa sahod mo (prefer mababang sahod na di masakit sa ulo work) at ikaw lang talaga sa lahat gagapang talaga ang ipon mo. Kumportable namang buhay namin at wala kaming mga utang at sobrang chill lang. Graduate nako sa pangarap na yumaman, contentment at peace of mind goods na. BPI app to ngayon ko lang nadiscover na pwede palang iconnect dun passbook na nakalock at pwede lang sa bank magwithdraw.

Sharing my earnings from January-June of this year. Working 12 shifts a month as a travel nurse/ Filipino mafia here in Southern Cali. As an immigrant, this is life changing money that will let me live and build the life I want.

From having 0 savings this time 2 years ago to reaching my first 100k this month! I do believe that staying disciplined and mindful of how I spend my money really was the key.

Heads up, I didn’t include Pagibig and Stocks to my net worth. I also didn’t include the 12k credit card debt that I’m about to pay this month. But still, this is a huge milestone for someone like me who didn’t come from a rich family and would not ask for stuff from my mom when I was a kid as I was shy and didn’t want my mom to spend money on non-essential stuff.

I am a registered healthcare professional but I didn’t work as one as I only treat it as my fallback due to low salary and high workload. I also don’t have plans yet on working abroad.

For context, I have 2 jobs right now, I work in an LGU and I have a sideline of being a product photographer and videographer of a certain restaurant. Work is super chill, I only work for about 10 hours per week and I earn around 33k per month (Including LGU benefits). Monthly expenses include transportation (gas), internet, dog food, electricity, and monthly personal allowance. I still live with my mom since it’s just the two of us. My mom works as a Regional Head for a bank right now so I can say she played a huge part of this achievement as she handles most of the expenses in the household without pressuring me to contribute.

My financial roadmap includes building my stocks account in a few months after finalizing my emergency funds and continue building my savings accounts. I’m also planning to open a separate MP2 savings account.

I’m also starting a construction business which I’m not shelling out any capital yet until I gather more connections and opportunities.

Lastly, with my current setup and financial planning, I’m projecting to reach 250k by December this year (Major contributor is my work in the LGU).

Even with this milestone, I’m still a long way from achieving what I want. Any advice would be appreciated and I look forward to hearing your stories as well! Feel free to ask any questions and I’d be glad to answer them.

After a year of doing youtube shorts. Walang savings pero maraming naprovide sa family haha. I know sakit ito ng karamihan, tumaas ng konte earnings, tataas din gastos pero no regrets. Walang utang, buhay, nakakatulong sa bahay. Pero wag nyoko gayahin. Mag ipon kayo para may bubunutin pag alanganin. And pinaka importante wag magsugal kung hindi afford. Cheers 🥂