25/05/2025
๐๐จ๐ง๐ ๐ซ๐๐ญ๐ฎ๐ฅ๐๐ญ๐ข๐จ๐ง๐ฌ ๐ญ๐จ ๐ฆ๐ฒ ๐๐๐ญ๐๐ก๐ฆ๐๐ญ๐๐ฌ! ๐
As you enter the world of adulthood, let me share the tips that personally helped me get started on the right path. These are simple but powerful โ and I hope they help you too:
#๐ ๐๐ญ๐๐ซ๐ญ ๐๐ฆ๐๐ฅ๐ฅ
I lived in a โฑ3,500 studio unit โ affordable and practical. It taught me how advance deposits and monthly payments work. Even when I could afford something pricier, starting small helped me save more and understand how renting works.
#๐ ๐๐จ๐งโ๐ญ ๐๐ฎ๐ฌ๐ก
I started commuting โ bought a 2nd hand bike โ upgraded to a Rusi โ then a proper motorcycle. If I jumped straight into buying a car, I wouldnโt have been able to save, invest, or afford insurance.
#๐ ๐๐ง๐จ๐ฐ ๐๐จ๐ฎ๐ซ ๐๐๐๐๐ฌ ๐ฏ๐ฌ ๐๐๐ง๐ญ๐ฌ
Learn to say no to things you donโt truly need. Dami kong binili na wala ng kwenta ngayon. Wants can wait โ focus on essentials first. This mindset will save you a lot of money and will teach you money discipline as well.
#๐ ๐๐ฏ๐จ๐ข๐ ๐๐ข๐๐๐ฌ๐ญ๐ฒ๐ฅ๐ ๐๐ง๐๐ฅ๐๐ญ๐ข๐จ๐ง
Just because your income increases doesn't mean your spending should. Upgrade your life slowly and intentionally. Keep your expenses low, then save or invest the difference.
#๐ ๐๐ฎ๐ข๐ฅ๐ ๐๐ง ๐๐ฆ๐๐ซ๐ ๐๐ง๐๐ฒ ๐
๐ฎ๐ง๐
Before investing or spending on luxuries, build at least 3โ6 months' worth of expenses. It will give you peace of mind when you suddenly lose your job or sources of income. You can put it in a digital bank so that you can easily withdraw it anytime, while your money grows.
#๐ ๐๐๐ญ ๐๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐
Before you invest or start a business, protect yourself first. Insurance protects your income, savings, investments, and side hustles from unexpected life or health emergencies.
#๐ ๐๐ญ๐๐ซ๐ญ ๐๐ง๐ฏ๐๐ฌ๐ญ๐ข๐ง๐
Make your money work while you work. You can start investing with just โฑ50 sa GInvest (GCash). Donโt invest everything โ invest small but consistently. Your future self will thank you.
#๐ ๐๐ฎ๐ซ๐ซ๐จ๐ฎ๐ง๐ ๐๐จ๐ฎ๐ซ๐ฌ๐๐ฅ๐ ๐ฐ๐ข๐ญ๐ก ๐ญ๐ก๐ ๐๐ข๐ ๐ก๐ญ ๐๐๐จ๐ฉ๐ฅ๐
Be around people who push you to grow โ those who inspire you to be fit, be financially responsible, start a business, do good, or aim higher. Who you're with shapes who you become.
This is just the beginning of your journey. Choose wisely, move smart, and protect your future. If you need help with insurance or investing, message me โ I got you. ๐ผโจ
