10 Money Lessons That You Should Learn | Diary ni Gracia

10 Money Lessons that You should Learn… to Save Your Future


Money is essential: And to enjoy everything the world has to offer, even the little things, you have to earn and make money.

Navigating the world of personal finance can be overwhelming, even for an adult who has quite a bit of experience in the working world. With some smart planning, a good strategy and understanding of the basics you should be able to develop the money-management skills you need to get your finances under control. Here are some fundamental truths of personal finance that everyone should be aware of.


Take notes, ladies!  IMAGE Shutterstock

Gone are the days when people would use¬†TikTok¬†for¬†just¬†dance challenges,¬†makeup tutorials, and¬†easy recipes. Lately, instead of using¬†it for pure entertainment, more people have started exploring the platform as a way to educate, too. From the app alone, we’ve learned about¬†reproductive health,¬†relationships,¬†and even¬†proper self-defense. We swear, the app is a gold mine!

Our recent discovery? Videos about money! Meet¬†Yani Moya, a certified life coach and licensed finanial coach who¬†uses¬†TikTok¬†to¬†share her expertise in personal finance. From living independently to knowing more about investing, Yani’s goal is to simplify personal finance for every Filipino so that they can understand it better. (Because let’s face it: Being financially literate can be difficult sometimes!)

Here are a few things we learned about¬†personal finance from watching Yani Mayo’s TikTok videos.

The golden rule of personal finance is to¬†“Pay yourself first.”¬†According to Yani, “The concept of paying yourself first means preparing for your future. It’s not about how much you earn. It’s about how you spend and save your money.”

Fun fact! There are three types of behavior when it comes to spending your money:

  1. Income – Expenses = Savings
  2. Expenses – Income = Debt
  3. Income – Savings = Expenses

Yani says the third one is the best and smartest way to spend your money! “Ibig sabihin,¬†nagtabi ka na para sa sarili mo. Nagtabi ka na para sa¬†future¬†mo bago ka nag-budget¬†para sa mga¬†current expenses¬†mo.”

What’s the difference between digital banks and traditional banks? Here’s a quick comparison.

If you’re planning to have more than one bank account, Yani suggests “Dapat bawat isa may¬†purpose¬†para ‘di lang nakakalat yung pera mo.”

We all have our wants. But before we go on buying them, Yani’s advice is to make sure we’ve set aside a portion of¬†our money for savings and of course, our needs. Allocate a¬†budget every month from¬†your income and consider it your fun money. Use it to treat yourself because you deserve it!

“Investing in a traditional business is high risk.” Before you start a business, make sure your financial foundations are stable and intact.

Have you always wanted a financial plan but didn’t know where to start? Here’s how to create one in three easy steps.

You’ll never know when the next disaster or health crisis will happen, so it’s a good idea to make sure that you’re financially prepared. Consider building an emergency fund.

And like any other relationship, the relationship you have with money is just as important! Try to take action and follow these tips.



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Peace and love to you.

Gracia Amor
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