TikTok Videos to Watch From This Financial Coach if You Want to Be Better at Handling Money

Take notes, you guys!
by Louise Ferrer for Cosmo.ph   |  May 13, 2021
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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 also found out that apparently, dentists know if you've given a blow job before, thanks to a *certain* spot in your mouth!) We swear, the app is a *gold mine*, lol.

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 in your 20s 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."

Featured Video

you can use this for early retirement ???? #moneytok #financetok #learnontiktokph #tiktokskwela #yourfinancialcoach

? Buttercup - Jack Stauber

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 your current money behavior? ???? ##moneytok ##financetok ##tiktokskwela ##money ##financetips ##yourfinancialcoach

? Skate - Trees and Lucy

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


Reply to @user085239204 digital bank vs trad bank. ???? ##moneytok ##financetok ##learnontiktokph ##tiktokskwela ##banks

? original sound - Yani Moya - Yani Moya on IG


Convenience, accessibility and interest rates ???? ##moneytok ##financetok ##learnontiktokph ##tiktokskwela ##yourfinancialcoach

? original sound - Yani Moya - Yani Moya on IG


Which one do you like better? ???????? ##moneytok ##financetok ##learnontiktokph ##tiktokskwela ##yourfinancialcoach

? original sound - Yani Moya - Yani Moya on IG

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."


Reply to @nikkijison my thoughts on this ???? ##moneytok ##financetok ##finance101 ##tiktokskwela ##learnontiktokph ##banks ##yourfinancialcoach

? Up Beat (Married Life) - Kenyi

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!


reposting ? #moneytok #financetok #finance101 #yourfinancialcoach #tiktokskwela #learnontiktokph

? original sound - Your Financial Coach Yani Moya - Yani Moya on IG

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


Answer to @pasabuyjp goodluck w your decision :) #yourfinancialcoach

? Story Time - 11 Acorn Lane

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


easy right? comment your questions ???? ##YourFinancialCoach ##financetok ##moneytok ##learnontiktokph ##tiktokskwela

? original sound - YourFinancialCoach: Yani Moya - Yani Moya on IG

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.


Emergency fund 101 #YourFinancialCoach #financetok #moneytok #learnontiktokph #tiktokskwela

? original sound - YourFinancialCoach: Yani Moya - Yani Moya on IG

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


wag puro romantic relationship. fix your relationship w money too ???? ##YourFinancialCoach ##financetok ##moneytok ##learnontiktokph ##tiktokskwela

? Swaggy - Fluorescent Canyon


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This story originally appeared on Cosmo.ph.

* Minor edits have been made by the Candymag.com editors.

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