r/financialwinsPH

Question for all seafarers how do you diversify your investment? What kinds of investment you take, especially sa stocks. Planning to test the water on us stocks. What strategy gingawa nyo cause hindi naten nabababtayan palagi. Ty in advance help yo brother out (Wala ko mapag tanungan dito, most of them have no idea what I'm talking about )

My current status

-Building E.F

-Dividend stocks

I’m 28 years old, unemployed, and still living with my parents. However, I do have a side hustle, and I’ve managed to save ₱1.7 million. Honestly, I’m fortunate because I’m not a breadwinner, and my parents have never asked me for money. I’m very thankful for that because they really instilled in me the value of saving.

Sometimes, though, I feel like I’m saving too much and not enjoying my money enough. Whenever I think about spending or buying something, seeing my bank account balance go down breaks my heart.

Is there anyone else here who’s overly focused on saving, or is it just me? My dream is to save at least ₱5 million for retirement, emergencies, and my future, so that I won’t have to rely on or burden my relatives if something unexpected happens. And i don’t care if hindi bago yung mga gamit or i dont have the latest gadget just as long as i know i have this amount in my bank account I don’t envy them.

For context, my parents give me ₱6,000 a month for everything. I live alone in a dorm and honestly I don’t know if I’m bad at managing money or if my allowance is just not enough.

These are my fixed expenses every month:
₱400 — mobile data (no Wi-Fi sa dorm and I need it for school purposes din)
₱1,760 — tric fare from dorm to campus and vice versa (22 school days)
₱800 — bus and tric fare from dorm to our house and vice versa (4 weekends)
Total: ₱2,960

₱6,000 - ₱2,960 = ₱3,040 left
₱3,040 ÷ 30 days = ₱101.33 per day

How am I supposed to eat breakfast, lunch, and dinner with ₱101 a day? 😭
Most mornings I’m already on campus so I usually end up buying lunch at school. I can’t really meal prep because I don’t have a refrigerator in my dorm. Even if I cook at night and bring food the next day, it could easily spoil because of the heat.

The worst part is that I’m an architecture student. I buy my own materials, printing, plates, model supplies, and other requirements. None of those are included in the computation above.

It feels like my allowance barely covers transportation and leaves almost nothing for food. Academic expenses make it even harder.

And I know this might sound super kapal ng mukha, but if anyone wants to donate spare art materials, papers, or even a little financial help, I would be incredibly grateful. I know there are people in much harder situations than mine and I’m not claiming to have it the worst. I just hope someone understands where I’m coming from when it feels like even my basic needs and school expenses are hard to cover.

Either way, thank you for reading and for any advice you can give. 🥹

Hi! Im a fresh graduate and got my first ever job here in my city. I suck at handling money so im hoping for an advice on how i should divide(?) my salary. Im basically earning php 550 per day and i work 5x/week. Im not renting but I still have financial obligations at home (i.e. internet bills). Im also planning on opening a savings account (do you have any bank recommendations). Anyways, I just want to ask, how many % do you guys separate for your savings, your everyday money, your emergency fund, financial obligations, etc? Do you also set goals, for example, on how much you should save in a year? Pls pls help me

I just want to ask for advice on how can I save money. I just graduated last year and nag-work na rin ako a month before ng graduation ko. Nasa 2nd job ko na ako now, my monthly income is 35k. WFH ako and siguro pumapasok lang me mga 1-2x a month. Ang pamasahe ko lang is 150 balikan na. Ang gastos ko sa bahay namin ay internet (1,350), allowance ni mama (2k), allowance ng kapatid ko (2k), grocery (2,500), tapos mga luho na lang pero grabe parang wala akong naiipon. I think me problem na ‘to. Any tips/advice on how and where can I save money?

I'm Kelvin 28[M], I earn a provincial rate wage only, roughly yung net ko is around 12,400 monthly. Mayroon akong loan dati na pinagawa ng bahay namin. I will list down everything na lang po para hindi draining basahin.

Loan balance: 141,307 with 1% diminishing interest every month na binabayaran ko ng 8k monthly.

I have a savings amounting to around 152k
Also, I have some little holdings sa crypto around 14k

Kailangan ko po ng advice if dapat ko bang bawasan yung savings ko pangbayad sa loan ko? the lower the balance kasi, the lower the interest na babayaran ko. Yung catch lang is i don't have any safety net incase of emergency, such as insurance, hmo's, etc. Ang meron lang ako is Philhealth and St. Peter XD

Please enlighten me with your financial knowledge. 😄

Hi! I’m new in tiktok affiliate, anyone here na may experiences na makakapag give ng advice for me na bago pa lang here? Also for those beginner like me, let’s help each other grow 💗

hi reddit! need help haha from the title pa lang lungkot na. i invest 30k to a trading app. nung una nabawi ko yung puhunan. i have decided to let my bf join gamit don sa tinubo. so from 30k naging 60k yung kalahati, ayun yung puhunan nya. ngayon nakafroze lahat ng asset ko don sa app so hindi sya mawithdraw pati sa bf ko.

sobrang stress ko na kagabi pa. ngayon lang nagsisink in sakin na yung 30k kong puhunan wala na ata. sana hindi pa. sana mabawi pa pero parang malabo na

masakit sakin kasi months pa lang ako nagwowork and yung ipon ko konti pa. halos lahat ng ipon ko ininvest ko don

kung may same kayong experience, pano kayo nakabounce back? salamat.

Hello, im Denise [25F]. Working student at nangangarap na mag-post din ng success sa finances one day. About me, I am a Part-time Violin teacher and a College student. I receive my paycheck weekly. Gusto ko po sana makakuha ng advice from you, ates and kuyas, kung paano po mag-strategize ng budget weekly na hindi ko nasasacrifice ang Emergency Fund, meron pa rin akong nagagastos sa needs ko (kahit wala ng wants! Ok lang yun), nakakapag hulog ako sa sinking funds ko.

Here's my system:

1. Maribank = weekly payroll
2. Union Bank = Emergency Fund (personal savings account na walang maintaining balance)
3. GoTyme = for my sinking funds and expenses (kasi pwedeng mag multiple savings account)
4. BPI account = planning for Insurance Policy or investing

Current Sinking Funds (according to prio):

1. Puppy vaccines (will rehome them soon)
2. My 2 Shih Tzu's Yearly Vaccines
3. Female Shih Tzu Spay Next year Preparation
4. New Violin (kasi sumusuko na yung violin ko)

Current Weekly Needs na binibili ko:

1. Dog Food
2. Weekly allowance ko lang for work (kasi wala na akong pasok sa school)

Emergency Fund (6 months worth of my expenses = ₱150 and dapat ko daw siya mabuo for 4 years):
Ideally ₱3000/month

Hello po! Gusto ko lang po sana makahingi ng ideas pano po mapunta sa VA na job, like ano po yung starting job nyo and kung saan po kayo nag hanap.

Currently po kasi madalas ng nakikita ko ay for 25 yrs old and above.

For context: 23 yrs old po ako, continuing college. I have to pay for my tuition next sem, kaya badly kailangan ko po sana ng job 🥲