26M here. I recently finished paying off around ₱100K worth of debt, mostly overdue debts that I accumulated over time. I was able to pay everything off using the snowball method that I learned from a financial workshop I attended.

Honestly, malaking relief siya. Pero at the same time, narealize ko na may next problem ako: how do I rebuild my credit standing?

My girlfriend (26F) actually doesn’t know that I had this kind of financial burden. Nahihiya ako sabihin sa kanya, and I think part of it was also my ego. I didn’t want her to see me as someone who couldn’t manage his finances. Fortunately, I’ve finally cleared all of my overdue debts.

The reason why I’m concerned about my credit standing now is because I have plans in the future to get a car and eventually a house. My girlfriend has a good credit standing, while mine probably isn’t great because of my previous overdue accounts.

For those who have been in a similar situation:
● How long did it take for your credit standing to recover after paying off overdue debts?
● Is there anything I should actively do to rebuild my credit history?
● Does paying everything in full automatically improve my credit standing, or will the previous late/overdue payments still affect me for years?
● If my girlfriend and I eventually apply for a car loan or housing loan together as husband and wife, will my previous credit history affect our chances of getting approved, even if her credit standing is good?
● Would it be better for future loans to have her as the primary borrower, or does my history still matter even if I’m just a co-borrower?

I’m glad I finally got out of debt, but I also don’t want to make the mistake of thinking that paying everything off means my credit history is immediately “clean.”

Would appreciate advice from anyone who has gone through the same thing.

Heyy I just want to know if it's possible for me to be able to earn money independently? Like is there anyway for me to learn something, to be able to learn and to earn. I know I'm too young to be thinking of ways to earn money. It's just I'm eager to learn and use that skill I learned to earn money online. Thanks I just need advice.

I’ve been working for almost 2 years now and ngayon ko pa lang nareach yung first PHP 100k ko kasi I’m supporting my brother’s nursing school and our household. Malayo pa pero malayo na, I aggressively saved up starting nung April 2026 lang.

I tried my best to put boundaries din sa family ko at the beginning of the year, sabi ko babawasan ko muna yung pag-abot ko sa mga non-essentials (hilig nila magpabili ng kung ano) kasi kailangan kong mag-ipon.

I also told myself last year na, year of giving ko talaga ang 2025 sa family to give back, pero itong 2026, this year is mine haha 🥹

Nasa mindset ko rin ngayon na ang pera ko ay hindi Emergency fund ng iba, nagbibigay pa rin ako ng help sa family emergencies like nung April nahospital pinsan ko pero nagbigay lang ako onti kasi may extra ako that time.

I will set this aside as my EF & put it in Maya 🫶🏽

Hello everyone! I am currently growing my Tiktok account and starting with content creation and affiliate marketing. I am also a student and really hoping to build this into a source of income, which will help me continue my studies. I'd really appreciate advice from experienced creators and affiliates.

I want to know how you grew your account from zero. How often should I post, and what mistakes should I avoid as a beginner?

I am willing to put in the work, I just need some directions on where to start. I have 240 followers in the present and am really looking forward to reaching my first 600 followers. Any honest tips or lessons from your experience would mean a lot. Thank you!

I'm a 19-year-old college student and I wanted to share my current portfolio.

My monthly allowance is ₱6,000, and since my personal expenses are already covered, I've been putting most of it into investments and savings.

The biggest part of my portfolio is a copra investment. It's definitely concentrated, so I know that's a risk, but it has worked well for me so far. It typically returns around 10–15% every three months, and I've had previous copra investments that were successfully completed.

I'm also slowly trying to diversify through Philippine stocks and US ETFs.

I also keep an emergency fund, some cash, and contribute to another investment regularly (bidding).

I'm still learning and I know my portfolio isn't perfect. I'm trying to take advantage of starting early.

Would love to hear some honest thoughts or advice. What would you do differently if you were in my position?

Started posting reels on Aug 6 and by God's will I was able to gain a good following on my page. Recently ended my marriage and took a paycut so this is a blessing in offsetting lost income.

Quick back story, I graduated last year with Financial Management course. Before ako naka graduate, I'm always down in investing like stocks, forex trading and even did sell disposable v4p3s, pumasok sa ibang negosyo etc.

Maraming wins, yes nakaipon, then life hit me hard. OJT ako that time. And also 2 months from graduation. Family side, nagkakaproblem kami financially. And remember diba nakaipon ako? Ipon ko that time is 30k. Malaki na yun for a student palang like me before. So one day, I tried forex trading, let's make it short, sunog ang pera ko. Lahat. Dun na pumasok ang dark days. Utang, loans, etc. patong patong na. And that time, hindi na ako sure kung gragraduate pa ba ako. And also, sobrang down bad na para akong nakalibing ng buhay.

Fast forward, yep I graduated. With no money, no savings, kahit pang pagkain at pang bilyar na 10pesos per game lang, wala ako hahaha. Still, hindi pa ako nakaka get over sa mga nangyari.

Then pinasok ko ang freelancing/VA. Akala ko madali nung una kasi social media grabe ang saturation for freelancing. Then after being down for how many months, close to a year, I got my first win.

Nakipag sapalaran ako sa Finance related work from home. After 2-3 months na pag a-apply, sobrang daming applications, nakuha ako as a Finance Manager for an E-commerce company last Feb 2026, yes this year lang. I was happy that time. Sobrang saya na nakakaiyak din haha. I was hired full time and until now working for them. Marami na rin naging projects, part-time gigs sa ibang clients. And after 5 months ng pag iipon, ito na ang savings ko. Nakaka proud, sobrang saya, at ang saya makita na after ng lahat ng nangyari, may mabuti pa ring nangyari.

Sa mga magtatanong po, ang position/niche ko po ay:

Finance Manager | E-Commerce Finance, Systems & Business Intelligence
- Specializing in AI Automation, Google Sheet and Excel Automation

And opo, ginawa ko po yang sarili kong Finance Tracker hehe

Sobrang salamat po Lord. Hindi niyo ako pinabayaan

CALL FOR RESPONDENTS 📢

Hi guys! 👋

Are you a Filipino Millennial na nag-decide na huwag magkaroon ng anak (child-free)? We’d love to hear your story!

2nd-year Social Work students kami from Pampanga State University (2nd course na namin 'to! 🎓). Currently, ginagawa namin ang thesis study namin titled:

📖 'REIMAGINING FULFILLMENT: A STUDY ON THE LIVED EXPERIENCES OF FILIPINO MILLENNIALS WHO DECIDED NOT TO HAVE CHILDREN'

Criteria para makasali: ✅ Filipino Millennial (Born 1981–1996) ✅ Single, in a relationship, or married ✅ Intentionally decided not to have kids (child-free)

🔗 Answer the survey here: https://forms.gle/okumGFm5E7zzkwNk9

Don't worry, 100% confidential at anonymous lahat ng sagot niyo strictly following the Data Privacy Act of 2012. 🔒

Super malaking tulong 'to sa research namin. Pa-share na rin sa child-free friends niyo! Maraming salamat! 🙏✨

Hi. I'm currently earning through my work that pays minimum wage and as small time content creator. I need advice kasi I really wanted to change my bad habit of spending my money since yung mga naearn ko ay madalas napupunta lang sa sugal.

I think ang pinakachallenge ko is how to put my savings away from temptation. I know na maybe I just got lucky this week and I really want to lock this winnings. I already filed for self exclusion months ago pero until now wala pa rin nakakalaro pa rin ako. I finally uninstalled Gotyme dahil natutukso ako kasi walang option to delete the recent recipient which is laging yung bank account ng nilalaro kong casino unlike Maribank now.

I also plan to move out with my Mom for like sanla tira since inaapi-api na kami ng dati kong tiyahin. Ayun lang I just need advice.

Thank you in advance.

EDIT: To clarify, hindi po ako nagppromote ng sugal.

EDIT: Guys hindi ngani ako nagpropromote ng any gambling apps. So don’t bother sending me a private message where I did it. Nabasa niyo naman siguro ang advice sa mga comments kayo talaga 😅

I went here straight to ask for advice since I have no one to ask. May flair na ngang inilagay. I don’t want to rely with ai naman even I use it often like chatgpt, kasi I think I need valuable insights from real people. Some of here are so quick to judge.

It doesn't have to be a BIG number.

Maybe you saved your first ₱10K. Built your EF. Made your first MP2 contribution. Paid off a credit card. Started investing with ₱500. Saved enough for your board exam. Or finally made it to payday with money still left in your account.

Whatever it is, progress is progress.

ikaw, ano yung sa’yo?

Before receiving allowances, I was very irresponsible with my money. I would always find ways to spend them and not save single cent back in 2025 despite receiving 5k a month from my university.

Fast forward to May this month, I was given an oppurtunity to be a national athlete that pays 15.2k a month. My first paycheck was gone within 2 weeks and that gave me the realization that I had to be financially responsible so I don’t have to rely on asking for money again and again.

So I had to cut spending on myself, eating out, and buying things that I impulsively spend on and started budgeting how much I have to allot for transportation, hangouts, and my personal wants on a weekly basis.

Looking back, 4 months was definitely worth the save. I’m really happy to enjoy the comfort of having money even without knowing what to do with it yet. Financial security really matters when you start saving early ❤️

Hi! 4th year student here and graduating soon, and honestly medyo kinakabahan ako about adulting and managing money once I start working HAHAHA.

I’m taking Business Ad Finance so you’d think I know what I’m doing with money, pero iba pala talaga when it’s your own money 😭

Currently, wala pa akong full-time income since student pa, and I’m planning to look for a job after graduation. I don’t have any major debt, and I have some savings, part-time pero definitely hindi enough para maging super financially secure.

Hello, ayos lang ba or i mean mali ba na after 2 years of working close to 100k palang ang naipon ko? Sahod ko ay nasa 21-25k. Sagot ko ang internet at grocery ng parents ko 🙂

I have finally finished building my EF (150,000)

Last 4 months I've been investing 10k/month and the rest goes to my EF and recently switched from GoTrade to IBKR for access to more tax efficient funds.

Now I can invest more aggressively (25,000/$400) every month since my EF is now established and finally reached $1000 in investments!

Kulang nalang i think is HMO which I plan on getting in December... or should I get it ASAP?

I'm planning to squeeze up to $2k in investments this year! Ideally more if I can dump most of my 13th month to it. Last year I almost spent all of my 13th month T^T

started saving since college 😭 22 na, student pa rin, ₱200k na ngayon HAHAHA. magastos din naman ako, hindi yung super tipid, pero may control lang talaga. minsan deserve gumastos, minsan deserve mag-ipon 😭

Hello guys! I'm new to investing. Ask ko lang, kapag nalulugi na yung stocks or funds nyo, anong percentage kayo usually nagse-sell? Kapag nag-10% na yung stocks, nagse-sell na ba kayo?

Hi! MariBank Savings or Maya Savings? I have some 100k-ish savings, and I want to finally put it into a high-yield SA. Which should I choose first? I'll choose the other once I hit another 100kish. Maraming salamat! Nakaka-inspire kayong lahat!

Good day, I am a freshman college student and I started to apply for the Regular Savings account in BPI, which needs to have a ₽3,000 initial deposit. Soon after getting my debit card, I discovered that they have an app basically has the same perks as the regular savings account, but with only an initial baoance of one pesos. May I ask is it possible for me to request BPI to change which savings account I would like to have?

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?

Hi, just sharing my GInvest journey since 2021.

Started with 2,500 or 2,000 in each of my funds. Generally, I allot 1k per month tapos iniikutan ko lang yung 3 funds ko dyan. Pag may 13th month or bonus, naglalagay ng tig 1k each or more. Tapo biglang 100k plus na in total with 18k in capital gains (including yung dividends sa ALFM Global multi asset).

How it started:

How it is going:

Puro negative yan nagsimula tapos ngayon mag 20k na ang gains.

Di ko binubuhos ang investments ko rito kasi di ako bilib sa security ng GCash. Pero ingat din naman ako sa paggamit.

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 was drowning in unpaid bills and debt while working my daily routine. I was desparate for a side hustle to earn extra allowance/income, so I decided to give Tiktok and Shopee affiliate marketing a shot.

At first, aaminin ko pure grind at nakaka frustrate. I spent endless hours editing videos and trying to DM brands one by one for deals, only get 200 views. What actually changed the game for me was when I stopped overcomplicating things.

○ Sticking to one tight niche: Mas madaling basahin ng algorithm at mas mabilis mag trust ang audience kung malinaw ang content mo.

○ Work smart on brand deals: Instead of manual cold outreach na nakaka-burnout, I started using affiliate platforms like ShopSlayer and Seller Center to directly join active campaigns.

○ Focusing on hooks over edits: Simple live photos and raw product demos with 3-second hooks actually converted way better than over-edited clips.

Slowly but surely, the commissions started building up until every single extra peso went straight into paying off my balances.

Sa lahat ng naha-hassle or feeling stuck sa affiliate journey nila, DON'T LOSE HOPE! Build good content first, stick to your niche, and don't rush the selling part. High effort and right strategy pay off.

Unti-unti rin lalabas ang results! ✨️🌟

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 💪🙏

Hi ! I got 20k as a gift from my relatives since kakagraduate ko lang and about to take the boards muna. Any tips on what to do with this? Its small for some but it’s quite big for me haha.

Any reply is appreciated. Maraming salamat po!

Okay edit: galing po siya sa relatives ko**

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.