Nung unang years na nagtatrabaho ako, sobrang gastos ko talaga, to think hindi naman ganun kalaki yung sweldo ko dahil call center + entry-level IT person pa lang ako nun. Nagkaron din ako ng credit card at sobrang lulong ko na dumating sa point na minimum lang ang binabayaran ko tapos kelangan ko ipambayad yung buong 13th month pay ko para ma-zero yung balance ko sa credit card. Parang yun yung naging wake up call ko. Simula nun, naging wise na ako kahit papano. Nung nakalipat ako ng work at medyo lumaki na yung sweldo ko, natuto akong maglista ng lahat ng kailangan kong gastusan para sa buong buwan para by the time na dumating yung sweldo ko, alam ko na kung saan sila mapupunta. Sinigurado ko rin na may mapupunta talaga sa savings. Nung nag-asawa na ako, ako ang naging taga-budget sa household namin. Gumawa ako ng Excel sheet para mas madali. Mas malaki na yung combined sweldo namin pero mataas din ang overhead expenses dahil sa home loan at bills to pay kaya kailangan very careful talaga. In our case, ako kasi ang may hawak ng ATM ng asawa ko simula nung nagbabudget pa kami for the wedding kaya siguro mas madali sa akin kahit papano dahil alam ko kung magkano yung income. We have no kids yet pero we have 4 dogs kaya kasama rin sila sa budget namin. Hanggat bata pa kayo, kumuha na kayo ng insurance from a stable company kasi sayang talaga yung rate. Bagong graduate pa lang ako at kakasimula pa lang magwork, pinapakuha na ako ng nanay ko pero di ko sinunod dahil may pinili kong waldasin sa shopping, lakwatsa, etc. Nasa huli talaga pagsisisi. Hahaha! Di ko naman sinasabing wag kayo magpakasaya dahil pinaghirapan nyo rin naman yan pero better start early para mas maaga nyo rin maenjoy yung ininvest nyo, mas magagamit nyo pa yung pera for business or another investment. Currently, meron kaming life insurance with investment pati memorial plan, dahil kung hindi nyo alam, mahal din iburol at ilibing! Eto dapat yung videos na napapanood ng mga kabataan ngayon dahil sabi mo nga hindi to tinuturo sa school. Sabi nila you only live once pero kung matagal kang mabubuhay, kelangan mo ng pera para mabuhay okay. Money can buy happiness. Sobrang nakakastress pag financially challenged ka kaya hanggat maaari, magstart ka na kahit maliit lang muna then work your way up. Good luck!
@sweetinah0214
4 жыл бұрын
Thank you for sharing as well.
@joyjuli-diaz5854
4 жыл бұрын
I agree sana ay nasama din ang budgeting sa School... How I wish n my alam ako sa proper budgeting bago ako ngka work sana ay my na Isave ako... ngayon ko plang napag aaralan ito
@krislumagui
4 жыл бұрын
Totoo how I wish may naturo sa akin ng mga ganito noon
@vanvan0515
4 жыл бұрын
Hi, Ms. Kris! Just want to say I really love your content. It's very informative and relevant to today's situation. I won't think I would need these tips pala until you created a video about it. I'm also referring to your previous videos.. Very helpful! Thank you 😍
@lailanievclutario6302
4 жыл бұрын
Natututo ako lalo sa inyu..thank you po sa mga advice at tips..ang galing nyo po.lahat may sense..morevlogs for tips in life lalo sa mga finances...
@imeerosemaullon8180
4 жыл бұрын
Love this content buti nlang npanuod kita ms. Kris sacto lapit nko mgstart sa work i can follow your finances pra mabilis ako mkabayd sa mga lending app ko. Nabaon kc ako sa utang dahil sa lockdown and ndi rin naging ok yng dogbreeding business ko because of our situation ngayon. Sna by following your finances step by step maovercome or mabayaran kna yng mga utang ko. Keep safe po and God Bless
@yipyip2024
3 жыл бұрын
Ms. Kris…. Isa lang ang masasabi ko sa video mo: “MARAMING SALAMAT” Sobrang informative nito madami akong natutunan…
@ellaineheart5766
3 жыл бұрын
Thank you po sa mga tips Ms. Kris
@ellebudgetsph
4 жыл бұрын
Mommy Kris ikaw dapat ang kunin ng Deped na speaker for this topiccccc 💖💖💖💖
@rhemiesaroca1963
4 жыл бұрын
Super happy ako.kapag nanunuod ako sayo ate kris. Lalo ito content na to nakakatulong siya talaga.❤️
Pag mommy kn tlg mag interesting pra satin ang mga gantong topics 💛💛 more of this vlogs plsss more detailed per topics plss
@krislumagui
4 жыл бұрын
Glad you like it! Salamat po sa pag subaybay ❤️
@jellyt8767
4 жыл бұрын
Ang natutunan ko is live BELOW your means, hindi WITHIN, dapat BELOW. Choose your partner wisely. Kami ng husband ko, we decided na hangang isang anak lang kami. Some people do not understand that ang gastos magpalaki ng bata and they need time and affection, hindi pwedeng anak lang ng anak. Admittedly, puro swipe kami this pandemic kasi we avoid cash but we pay in FULL every month.
@maridainedemesa
4 жыл бұрын
Grabeee relate much dun sa "gastador nung may sariling pera" hahaha badly need this. Thank you Ate Kris! (feeling close lang hahaha)
@MajoAncheta
4 жыл бұрын
Been looking for vlog about adulting, and this video really helped and motivating to do so!! Thank you so much!!
@ellamariepacquiao7268
4 жыл бұрын
Salamat mommy kris ! napa isip tuloy ako,oo nga no sa mga pinag gagawa ko ang gastos ko pala lalo na sa online2 na yan 😅
@krislumagui
4 жыл бұрын
nyahaha totoo
@todaywiththeteama5861
4 жыл бұрын
Isa sa pinaka matalinong vlogger na kilalanko, beauty vlogger, mystery and now financing! Sana all ganito kagaganda mga content! Love you so much!
@krislumagui
4 жыл бұрын
Maraming salamat po sa pag subaybay ❤️
@bigjoy0122
4 жыл бұрын
Ganda ng topic, keep on uploading ng gantong klaseng video :-)
@heyheyheys_
4 жыл бұрын
Thank you for this Mommy kris! Very helpful lalo na ngayon na may pandemic, dapat wais sa mga kinikita. Papasok/palabas man yung pera 💕
@hey.its.carmina
4 жыл бұрын
Favorite ko talaga tong topic na to. Lately nag ayos aq ng finances, nagsimplify na aq. Dati kasi daily monitoring aq nastress aq hahahahaha. Nag sstart ulit aq dahil bumagsak finaces ko dahil sa pandemic. Hihihihi but its OK life must go on.
@jackiegarcialoyola4985
4 жыл бұрын
Thanks po Mommy Kris. Sobrang nakakatulong yung ganitong vlogs. 💕 💕 💕 God bless po.
@kaylamonicasaquez3012
4 жыл бұрын
More of this kind of videos, Mama Kris! Please! I love you! 😘😍
@wifeylife1084
4 жыл бұрын
Thankyou thankyou thankyou very very realistic..loveyou po
@angelcometre
4 жыл бұрын
Thanks for this ate kris. Super informative talaga ng mga vlogs mo lalo na ngayong pandemic super makakatulong sa pagbubudget. 👍❤️
@iishinaakou
4 жыл бұрын
Supeerr helpful po ng tips niyo Ate Kris. Thank you! 😊
@karensanjuan6282
4 жыл бұрын
I love this! Relate! Newly married here. Wala pang one yr. 😊 Samin ng husband ko, mas ako ang humahawak ng finances. We have a digital money management template that I created para nakikita namin lahat ng pumapasok at lumalabas. Hehehe. Mahirap talaga sa simula but I'm thankful na while I was single talagang strict ako sa pag-gastos 😂 I'm also a financial advisor and I agree to your points 💯 esp. Sa life and health insurance. Sa panahon ngayon, kailangan talaga natin ng protection coverage. 😊 Thanks for this Ms. Kris! More!
@jhezica25
4 жыл бұрын
very helpful 💞💞
@melissagonzales2525
4 жыл бұрын
Sobrang helpful po. Thank u so much 😍
@janemikeemallari4902
4 жыл бұрын
Thank you Mommy Kris marami po akong natutunan
@carmscreationph
3 жыл бұрын
Very helpful information & advices.. Thank you for this Ate Kris.❤️
@maricelalmonicar8666
4 жыл бұрын
More of this Ms. Kris. Every young adult struggles on handling finances. Thank youuuu ❤️❤️❤️
@preybeltran5943
4 жыл бұрын
Mommy Kris, i've been following since 2017 simula nung napanuod ko ung episode mo about Life Insurance na curious ako kaya pinasok ko maging Financial Consultant kay Pru Life and I started to love this job. Why? I have a client na nagka-cancer ayaw niya pa nuon ito dahil akala niya another expenses ulit ito but then she's very thankful she had Insurance. Kaya isa ako sa mga fan mo lalo na sa mga ganitong bagay ikaw lang yung kilala kong vlogger na pinag-uusapan ang Finances, Insurance, Savings sa vlog. More vlogs po na ganito Mommy Kris!! :)
@rachelleestose9141
4 жыл бұрын
I was a nurse in the Ph for quite some time & as we all know.. di ganun kalaki ang income for nurses that’s why nakakahiya man but I was dependent on my parents’ allowance for us every week. I can only afford my daughter’s tuition fee back then. When I came here in America, everything’s a different story. I became so conscious about my spending and I always make sure I budget everything every single pay day. Now, I have a good amount of savings and we were able to buy things for our apartment on our own, pay bills and all adulting stuff. It felt so liberating that you can live a comfortable life with your own family without spending too much. Every time I open our pantry, I always feel proud that I am able to afford all the things that we need. There’s always a right timing for everything! Hope my life lessons would be inspiring to you guys too! Have a good day! 💕
@raqueldoronila6757
4 жыл бұрын
May natutunan nanaman akong bago. Thanks for this informative video Mommy Kris 😊
@lhetgeneralaosiangco5836
4 жыл бұрын
Thank you 😊 very informative ❤️
@dyanbautista8299
4 жыл бұрын
Mommy Kris!!! Daming learnings sa content na ‘to. Thank you so much for doing this video. Talagang maraming matututo when it comes to finances lalo na sa Momshies na tulad ko. Pak na pak maging life coach! God bless to your family, looking forward on your next vlog 😊❤️
@eileenlee1867
4 жыл бұрын
Being in the travel industry we are among if not the most affected in this pandemic with no immediate future in sight. I am thankful i have an emergency fund for a year but still- with our very bleak future it still creates a tremendous fear within me. I suffered hair loss and insomnia. For i have 10cats 3dogs stray cats n dogs too that i need to support. My lifestyle made a sudden 360deg turn. This pandemic is life changing and made me realized so many things. No more daily milk teas commercial coffees n ordering food online. No more monthly retail shopping. I lost a lot of weight and i can fit in my hardly worn only used once old clothes. Really a drastic change on my way of life before. I can live without these pala. Even next year if travel eases up. I will continue to manage my earnings and save again what i used up this yr. Truly this unforseen setback in my life has been a big eye opener.
@ceciliamatunan2488
4 жыл бұрын
Very helpful for us thanks Ate Kris ❤️😊
@krislumagui
4 жыл бұрын
Salamat po sa panunuod ❤️
@GenYan
4 жыл бұрын
BREADWINNER FEELS 🙋♀️☺️💪 Thanks for this Ms Kris! ❤️
@ranalynmanuel3134
4 жыл бұрын
Ideal ka talaga mommy kris thank you... agree ako.
@Anjeeelikaaa
4 жыл бұрын
i really needed to hear this advice. Been having/experiencing financial issues lately but we're starting to save up and spend wisely for future purposes. Thanks mami kris ❤️❤️
@Hotmomathet
4 жыл бұрын
So inspiring, a great reminder for me na living here in abroad with family na mag ipon ... more adulting content like this . Keep it up and God Bless us!
@abbywallace5643
4 жыл бұрын
Very informative 👍❤️
@tiffany28amber
4 жыл бұрын
I love this content of vlog of yours keep it up i need this in my life ty ms. Kris!
@nanayjoy
4 жыл бұрын
Sa panahon ngayon, pagkakataon talaga Ang makapag ipon. Thanks!
Ms. Kris, thank you for this content. Napakainformative 💕
@sujinovilla
4 жыл бұрын
My fave influencer ❤️❤️ I became a fan since your video about Bianca Umali no makeup look haha! Love you mommy Kris! ❤️
@krislumagui
4 жыл бұрын
Thank you po sa pag subaybay! ❤️
@hjsaguire849
4 жыл бұрын
Kailngan po namin to Thank you!
@buhayofw6525
4 жыл бұрын
Thanks for sharing budgeting 💞
@rafbardon
4 жыл бұрын
very helpful 😀 thank u Kris!
@charinaco2798
4 жыл бұрын
Sna madami pang ganitong advices♡
@FAJENN54
4 жыл бұрын
Very imspiring Ate cris! Im a full time mommy! I love budgeting ,may vudeo din po ako☺️thank you
@psychemori5457
4 жыл бұрын
thanks for this mommy kris. helpful tlga mga ganito mong vlogs lalo na sa panahon ngayon. stay safe and God bless jkl fam! 😊🙏
@krislumagui
4 жыл бұрын
Salamat po nagustuhan ninyo! Stay safe din po! :)
@adrianibanez6467
4 жыл бұрын
Mommy kris, can you do some videos for budgetting for students naman po salamt po
@adrianibanez6467
3 жыл бұрын
Sure po!
@adalalusis3147
4 жыл бұрын
So love this topic Mama Kris! Super helpful for someone like me na young adult. Super struggle sa budgeting. More vlogs like these po. Stay safe. ❤
@razeddulnuan997
2 ай бұрын
Thanks for sharing your thoughts ❤
@artsylabph
4 жыл бұрын
Thanks for sharing this :) Ganda ng earrings mo mommy kris :)
@MsCzes
4 жыл бұрын
Lately napapansin ko mga jewelries na sinusuot mo Ms. Kris, ang gaganda. Next time baka pwede content mo po ay about gold jewelries. Your thoughts about it po. Thank you.
@krislumagui
4 жыл бұрын
pwede din hehe salamat sa suggestion!
@MsCzes
4 жыл бұрын
@@krislumagui ay! wait ko yan Ms.Kris. Thank u. 😉
@FrankChouFinance
4 жыл бұрын
Galing!
@ronalyndasig7646
4 жыл бұрын
thank u mommy kris.... sana mgising nko kkagastos 😀😁
@SimplyMitchie
4 жыл бұрын
Ang galing talaga mommy kris ang linaw ng explanation 😍 next naman sana sample computation hihihi
@krislumagui
4 жыл бұрын
Hindi ako magaling sa math hahaha
@SimplyMitchie
4 жыл бұрын
@@krislumagui awwww kaya yan ikaw pa hehehe malinaw ka po mag explain talaga po hehehe
@christinesantiago2951
4 жыл бұрын
Mommy kris. 😊 More of this pls.. more on adulting finance budgeting and lazada titafinds and skincare. Thank u and more power to your channel 😍
@ljnailcare9877
3 жыл бұрын
Agree ako sa Tithing,..Yan Ang dapat mauna sa lahat💓💓💓☝️☝️☝️Malachi 3:10
@arwinandkaye
4 жыл бұрын
I've been working for 5 to 6 years now and still ended up having NO SAVINGS 😣. Sobrang I don't know how to handle my money/salary. Gastos dito gastos duon. Now na pandemic ngayon ko lang talaga na realize kung gaano kahalaga yung SAVINGS. Thank you ate kris for the tips. I aapply ko to sa akin.
@theregaspi9412
4 жыл бұрын
Badly need this since i do have a family now thank you mommy kris!
@krislumagui
4 жыл бұрын
Salamat po sa panunuod ❤️
@theregaspi9412
4 жыл бұрын
Oh my!!! 💖💖💖
@angelinebucado5628
4 жыл бұрын
Thank you for sharing 😊❤️
@gayanncruz2134
4 жыл бұрын
very interesting topic 🥰
@bellepepper3424
4 жыл бұрын
Nag pplano ko gumastos,pero mas inuna ko manuod muna nito ng maliwanagan ako 😊
@jesseannsalvador9129
4 жыл бұрын
I love the content! As always very informative, Mommy Kris yan eh. ♥ Ako po, I learned money matters the hard way din just like you. I'm still taking care of the financial mess I made during my early twenties. Sarap kaya magswipe ng CC. HAHA. But now, I'm working on managing finances na po. THANK YOU sa mga advice Mommy Kris. More contents about money and life in general, mga topics na di naman msyado itinuro sa school. HAHA.
@mjanedmelody9265
4 жыл бұрын
Thank you po. More of this vids po.
@krislumagui
4 жыл бұрын
More to come! ❤️
@amantecalica2188
4 жыл бұрын
So far gaganda po ng content niyo👌
@liriennecarmona6024
4 жыл бұрын
Hi po excited na po ako sa series ng sa gabing ito huhuhu
@arleneasilo2508
4 жыл бұрын
I remember 3 yrs ago, winish ko talaga kay Lord na turuan at e guide nya ako in terms of pag iipon. Nagsimula ako sa 60k and now malapit na ako sa 100k. I must say na ang galing galing ko na mag budget at hindi na ako ganun ma ttempt sa mga ibang wants. More on needs na talaga and 2 months nalang matutupad na ang aking wish na makapag ipon ng my very first 6 digits.
@aykulith
4 жыл бұрын
Thank you po Mommy Kris!
@lotteicamen8399
4 жыл бұрын
Naka abang na..,
@krislumagui
4 жыл бұрын
Dito na ako. Chat tayo :D
@lotteicamen8399
4 жыл бұрын
Nakaka inspired ..
@zhelflores9098
4 жыл бұрын
Yung mga ganitong content 😍😍
@jenicayambao8222
4 жыл бұрын
I really miss you po ms kris😙😍im so sad na dna ako madalas mkapanood ng inyong vlog coz im busy of being mom..i really love you po and i really support po ung channel nyo ❤❤ Haba na po na hair nyo ms kris.😙
@krislumagui
4 жыл бұрын
Thank you sa pagsubaybay hehe balik balik no problemo hihi ❤️
@jackeloucepedoza8606
4 жыл бұрын
more finances vlogs mommy kris please😍😍
@krislumagui
4 жыл бұрын
more to come ❤️
@happygoracquee
4 жыл бұрын
Mejo na ba other po ko sa pag blink ng eyes ms Kris hehe. But nonetheless na enlighten ako sa pag save mommy hmm hehe Sana may maipon before Christmas.. Yes I'm not also a fan of loan. And before live in gusto ko mag karoon ng self growth before committing. Thanks for reminding po, so early here hehe
@MzsDiomii05
4 жыл бұрын
Kung pwede lang bumalik sa nakaraan, nagstart na ako maginvest at magsave bata palang. Mid 20s na ako pero feeling ko napakaliit pa ng portfolio ko. Btw, I love money talk lol
@marlyn8128
4 жыл бұрын
Thank you te kris❤
@jjmoto00
4 жыл бұрын
I need this! Thank you po for the quality content. 💯
@reylyngeramys.catipay1057
4 жыл бұрын
Wow thanks po for this!
@krislumagui
4 жыл бұрын
Thank you watching po ❤️
@nicoleandmghin9683
4 жыл бұрын
Mommy Krish baka po sa susunod ng content pwede po yung san pwede mag invest ang mga student na gaya ko. Thank you po
@missymacairan3164
4 жыл бұрын
More money related vidsss Mommy Kris please! Super informative talaga. 🧡
@krislumagui
4 жыл бұрын
Salamat po sa pagsubaybay! I'm glad nagustuhan po ninyo :)
@missymacairan3164
4 жыл бұрын
Syempre po simula pa nong hindi pa pinanganak si baby liam sinubaybayan ko yung mga make up tutorials mo po 🧡 kaya na inganyo din ako mag YT. Isa ka sa "Go To" Influencers ko eh 💛☀ Very light ang aura and syempre very informative ang mga vids!
@prettytin28
4 жыл бұрын
The last one is 100% true. Ang mahal mgka anak.... kya lagi ko cnsv n "mdling gumawang bata, pro mhirap at mahal mag palaki" u need to be mentally,emotionally,financially prepared or else pre prehas kayong kawawa... me and hubby been married for 4 yrs bgo ako ng decide n mg baby n kmi. When she born thats the time that we do budgeting, 40%,20,20,10,5,5 (40 savings, 20 retirement, 20 investment, 10 emergency fund, the 2 5%is for our daughters...) this is for my salary. The salary of hubby we using it to our expenses and wants. Every year we set a goal. And we making extra effort n mareach to. Like this year our goal is buy a land. And we got the title of our land just yesterday. Now we are planning already our goal for next is to build our own home ( coz now we are renting).
@mamaloucansancio3273
4 жыл бұрын
Nag aabang😊
@krislumagui
4 жыл бұрын
Dito na ako. Chat tayo :D
@NoNo-fh4vb
4 жыл бұрын
mommy kris budgeting tips for teens/students at the same time nag wowork thankyou.
@krislumagui
4 жыл бұрын
pwede din! Salamat sa suggestion! ❤️
@JDsVLOG
4 жыл бұрын
Thank you mommy kris for this content.. i got an idea😍😇
@jmoa27
4 жыл бұрын
Thank you for educating your viewers, Mommy Kris! Same age tayo and tama ka, this was not taught in school, and since we have a culture of Consumerism kaya hindi na rin ito itinuturo. I also learned from my early years as an employee and I also wish I had a mentor when it comes to Personal Finance. Having this type of content is a blessing for early 20s for them to properly manage their finances 😊
@krislumagui
4 жыл бұрын
Totoo sana natutunan ko to noon palang hehe. Salamat sa pag subaybay! ❤️
@donnalonga2914
4 жыл бұрын
Hi ms kris..paano po kung weekly ang sahod? Suggestion nmn po dyan oh..salamat😊
@marandie3509
4 жыл бұрын
Naku! I NEEDED THIS momsh 💗 thank you ✨
@yettezkiedoodle
4 жыл бұрын
Thank you for this. Really loving your content as always 🥰
@Ms.Mimi1987
4 жыл бұрын
because of this video, i am really considering to save... maybe we could try the 50,30 and 20 .. maybe..maybe..
@krislumagui
4 жыл бұрын
Simulan na hehe
@quennierosecanindo1409
4 жыл бұрын
Inspiring and informative content ,i learn a lot from this vlog☺️
@camillesampang5299
4 жыл бұрын
Thanks for this quality content. This is the reason why I choose to be a Financial advisor, since alam ko gano kahirap ung mangailangan ng pera pampagamot noon ng lolo ko.. Now, I want to help people na mas maging maayos ung paghawak sa pera ☺️ and imaximize ang maliit kita.. thanks mommy kris sa pagshare neto! Love u
@krislumagui
4 жыл бұрын
Thank you din sa pag share ng iyong experience! Super salamat sa panunuod!
@joanbelarmino5734
4 жыл бұрын
Thanks po very insightful. I hope you could also discuss other ways to generate income. Passive din po sana for someone na meron na fulltime job sa pinas and other side husstle like me (online job) na still looking for other passive income. Thanks po. ❤️
@krislumagui
4 жыл бұрын
pwede din! Salamat sa suggestion ❤️
@happarianne27
4 жыл бұрын
Gastador ako basta pagkain. Ayaw ko nawawalan ng laman ang aming ref 😂 pero advice lang sa mga single out there.. save for your future. di masamang magbigay sa parents, but make sure nagse-save ka din for yourself 😉
Пікірлер: 188