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In this video, I talk about how I manage my finances in my 20s. My personal finance system is divided into two parts: Cash and Investments. For today, I’ll discuss be how my cash system works.
I’ve started seriously managing my personal finances when I turned 18. There’s a lot that I’ve learned since then, so I make videos like these to the things I’ve learned from my experiences.
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Some of you guys have been asking me about how many bank accounts you should have. All in all, I have 13 “cash accounts” 🤯 This is made up of the cash I have on hand (3), my bank accounts (5), and my e-wallets (5). I know this sounds crazy, but hear me out!
I like to have separate accounts to separate my funds according to what I intend to use them for. If you put your funds all in one account, it can get tempting to spend them in one go. By having separate accounts, it makes it a bit harder for me to access some funds. As a result, I’m able to curb my impulse buying urges because it literally takes more effort to spend my money.
I also have a spreadsheet where I track everything! In this video, I’ll be talking about my expense tracking spreadsheet, as well as how I track my general financial standing (net worth).
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Send this video to your homies so you guys can benefit from managing your finances together! SUBSCRIBE for more videos like this! I post one video a week and I talk about personal finance, self-development, or anything I learn or experience throughout my life as a 20-year-old.
00:00 Intro, Featured Comments
01:41 How I Structure My Accounts
02:46 My Accounts: Cash on Hand
04:02 My Accounts: Banks (BDO, Unionbank)
06:32 My Accounts: E-Wallets (GCash, PayMaya, Coins.ph, Grabpay, PayPal)
09:00 My Spreadsheet Setup: Personal Finance Tracker on Google Sheets
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