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I agree with everything you said except for the travel part. I believe travelling is ALWAYS worth it to spend money on as long as you're saving up for it and of course not getting into debt para lang makasabay sa iba. I feel kinda sad that your family isn't making a lot of effort to travel outside of Sask more. I love seeing and experiencing new places and things for the first time with my loved ones and friends. One tip I would give is to always plan activities sa mga lugar na pupuntahan niyo. I see most Filipinos literally go to a place, take lotsssss of pictures, stay for a bit, and leave. Sayang yung perang ginastos kung tatambay lang. I really hope you would take your son out of the province more and make travel memories with him. There is so much to explore in the world and I think it's worth every penny to experience what it has to offer :) Thank you for sharing!!

Thank you for sharing this kind of information.god bless

These are really helpful advice especially to those who just arrived here or are planning on coming here. These are the mistakes my parents made and I'm working very hard to avoid them.. thank you so much for sharing!!!!

Salamat sa pagshare madam, ganyan din kami sa Singapore but without the kakayahan to own our own Car pero hindi naman cya necessity dito becoz of the awesome transportation system here (at dahil maliit ang SG) pero on expenses, cost of living and utilities sobra ako nakarelate sa mga tinackle mo na topics on Spending Habits of OFWs, thank you at napaisip ako..tigil na sa sapatos at sa bike hehe.

What if lumagpas k ng 30 percent sa CC bal mo, what will happen?

Too much nga po utility bills nyo. But I think you’re still young and you can make some corrections and adjustments on your way of living. Especially now that you realize your priorities.

Informative!! Thanks for sharing!

Bakit Hindi na po kayo nagawa ng videos, every week ko chinecheck kung meron na po new video

Totoo ang sinasabi mo, dumating ako sa Canada under live in caregiver program 2004. Hindi talaga ako mahilig gumamit ng Credit card dahil takot ako na hindi ko kayang bayaran. Nakuha ko pamilya ko 2009 husband, 5 daughters and 2 grandchildren, unang car namin luma bigay ng ka Brother sa church kasi naaawa daw na nakikita kami snow nag commute going to church may problema sa car naayos lng ng husband ko dahil handyman sya nagamit namin for 3 years. Mula noon bumibili kami used car pinakamataas $6k kasi ayaw namin ng utang meron pa nga kaming used car 1k lang nagamit ng husband ko 5 years. Ang huling car ko may problema sa pinto tinalian ng husband ko para mabuksan at magamit sa work pinagtyagaan ko kasi ayaw ko ng utang pero last October natanggal na ang handle paalis pa naman ang husband ko ng November to Pinas for 2 months. Dahil wala sya gusto nya medyo maayos naman ang car dahil ako ang gagamit so sa dealer kami nagpunta maayos naman year 2015 pero yon nga gamit ko Line of Credit at dahil kulang ang limit ko ginamit ko ang credit card at umabot ng 3k hirap na akong bayaran work ko Nanny at kailangan ko talaga car. Hopefully mabayaran ko ang mga utang ko kasi first time kong mag loan para sa car. God bless you more, thanks for sharing your experience to help others.

Save for emergency fund.. Financial literacy is key ..

Thank you ma'am for sharing. Malaking help po. God bless! ❤

Nasa Tao Lang Yan. Kung dka marunong, talo ka. Happy kami d2 Canada. Walang ganito sa Pinas.

This makes total sense. This is the perfect message to many Filipinos abroad who constantly complain about life struggle without realizing it is their money ignorance that got them into this whole mess. Filipinos are excellent at spending more than what they are making, most of the time on things they don't need. You are absolutely right when you said they don't listen to what is right; it's almost like some kind of illness inflicted to Filipinos. Lol. Financially broke Pinoys are everywhere, Canada, USA, Europe, and other places; and they will continue to be where they are until they learn to be frugal and know how to live below their means. Period.

good share

Wag makipagsabayan kung d mo kaya kc mababa on lng sa utang pg nd k marunong magbujet. Nganga ka tlga

Para may maipon sa pinaghirapan na trabaho Income minus savings equals expenses

We have same reasons and your not alone. Stay strong ❤

Hello mam, lagi ako nag aabang ng videos po, thank you sa mga advice Dami ko natutunan about sa pang pinansyal. 😊

Ma share ko lang ang panahon na akoy nasa Europe UK,France,Spain. Isang manga gawa na minsan ay kumita nang malaki at namuhay na sağana sa loob nang humigit na 25-years bago ako tuluyan nang mag retirement dito sa Pilipinas.Masarap mamuhay dito sa pinas kapag may pera kang naipon mula diyan sa abroad.Ang pag ipon nang pera ay depende sayo na kumikita ka tandaan ninyo na ang pag kita nang pera ay may panahon lang kita in kaya habang kumikita ipon nang ipon

Napakahalaga po na na i share mo yun ganyan na experience Mam...so that other Pilipinos there in Canada will learn about How is the importance of Living every.kung paano pahalagahan yun kinikita nila kung ano ang purpose nila bakit cla jan namuhay.salute you Mam😊 God Bless.not only there in Canada also to all Country na mataas ang Cost of Living.

nako agree talaga ako nyang consumerism, guilty din ako, pro I try to limit na these days, para hopefully ma stop na din.l

Mali. Wag mong convert sa piso ang kita mo sa Canada. Pag nag give up sa Canada at bumalik ka sa pilipinas, Ikaw ang may problema. It all depends on you your failure & success

Just to add on what you stated when getting an increase on salary, if the previous budget works dont change it, you can bump up your wants to 35% or even 40% just make sure that whatever is the excess is put it to savings/investment. having a new budget will have a difficult transition and will make you spend more.

Pag wala ka, sabihij mo talagang wala kasi nkabigay ka nga inutang mo lng..ikaw din kawawa magbayad..

I hope many OFW's can watch your videos.

Ipon is the key talaga hindi puro luxury kc mababaon talaga sa utang.Thank u for sharing po

Thank u for sharing sissy its really helpful po talaga.At totoo talaga dapat alamain ang dapat alamin.

Hi....i like how you speak and the infos you share... Btw, unsa imung handmade shop?❤

Tama po ang payo nyo maam, nararanasan ko na nga pro huli ko na napanood tong vdeo nyo 😅… well,tingin ko na 1-3yrs is mahirap tlga pra sa new commers dhil ngsisimula at wlang guide. Pro matututo nlng kpag nlampasan na 😊

Totoo yung lifestyle creep dahil 'I feel like I deserve to spend more when I earn more'. Di na namalayan halos pareho lang yung natitira whether malaki or maliit ang income.

Taga Canada Pl C maam madami n cguro umahon s hirap n kabayan sa canada

I agree with you kabayan ..kahit dito sa Europe mas gusto nila ang mga pinoy kc masisipag tayo , malinis at very hardworking ❤..keep uploading videos like this kavayan ...

❤❤❤❤❤

i do agree mam...financial education..money management is so important

I'm enjoying watching your video's kabayan..it's educational about financial & realtalk lalo na sa ating mga pinoy ..god bless

I am not broke for $245k/year. Applicable yan kahit saan bansa.

Kailangan talaga ang financial education pero maraming mga pinoy ang hindi interesado sa topic na ito.

this is actually what I am experiencing at work, canadian colleagues are hating me so much because of jealousy and insecurity. They noticed that the way how I’m working is different from the way they work. I’ve already been in this industry for 6 years with correct standards while they are working here in Canada is out of standards and they are trying to copy what I am doing. 😂😂😂

Thank you for sharing at reminder to lalo bago ako magiging OFW hindi man sa canda pero applicable talaga to. God bless maam

Thank you, just like you. I have family of 3 too..we live decently but I am also trying to get my mom and sister dito to join us, mahirap pala, my bro is here na pero to shoulder everyone is really tough... may extended family Karin ba dito sis?.. di nmn ako maluho pero minsan gusto ko tlgng mag travel and pamper ng self pero sometimes parang selfish n tingin ko sa self ko kapag pag dating n sa sarili ko.. kapit lng tau,dasal palagi and dpt pala dito positive Outlook din,Tamang galing at hardworking and Tamang pili ng friends.. tnx sis.

Ate, saan ka nag attend ng course para sa taxation

As for me balance lang I invest sa pag save at the same time sa travel kasi ayoko ma achieve ung goal ko na travel pag retired nko mahirap magtravel pag matanda na ung iba nka wheelchair na naglalakad inde na maeenjoy so for me kung kaya ko ibalance why not.

Salamat dto medyo natetempt aq mgbuy ung sa pop mart buti nawatch ko to😂

Your husband is very lucky to have you.👌

Sana mag collab kayo ni sir @fredz TV

Pareho tayo ng situation dati, ngayon empty nester na kami dahil nasa EU na daughter namin for university. Noong nasa Pinas kami, I resigned para matutukan ko mag-alaga and tutor sa anak namin. Nagpunta kami dito sa UAE when she was 10. Hindi rin ako nagwork kasi di namin kaya na wala siyang madatnan from school. Katulad mo rin na I try whatever I can na maka-contibute sa finances by doing some online business. No regrets at all, kasi na-guide namin siya ng maayos--nakapasok to a good university and she's doing well being independent.

Hi, Rowena. I'm a stay-at-home mom like you dito naman sa UAE. Wala din akong barkada or social life dito, and I'm enjoying it. Sabi ko nga sa husband ko na ang tahimik ng buhay ko dito. Typical na ugali ng pinoy na feasting about others' lives, or worst misfortunes ng iba--napakababaw at nakakainis lang makinig.

It's all about the mindset. It's what separates the rich and the poor. Building wealth through delayed gratification involves consistently saving and investing a portion of your income, sticking to a budget, and focusing on long-term goals over short-term pleasures. Avoid lifestyle inflation by living below your means and delaying major purchases. Invest in yourself by gaining skills and taking care of your health, which can increase earning potential and reduce future costs. Reinvest returns to let your money compound and grow. Regularly set and review financial milestones to stay motivated. By developing habits that prioritize future rewards, you set yourself up for financial independence and lasting wealth over time.

Same haha 4years na ako dto sa US wala akong friends bestfriend ko mga anak ko😊, meron akong kapit bahay tinuturing kong ate pero malaman laman ko mas marami pa syang alam na tsismis sa trabaho ko😂😅

I really like this YT channel. Eto dapat un pinanood ng mga kababayan natn sa Canada esp un mga new immigrants dyan. May sense and d kagaya ng ibang vloggers na puro daily vlogs, puro kalokohan lang, and nakikisakay lang sa mga issue and news sa Canada. Oh well madami kasi sa atin gusto lang entertainment kaysa manuod g mga informative videos kagaya nito