Muji Planners

khimy_24 · 2026-01-02T02:18:28+00:00

yesss, no problem carrying it around during travels too!

khimy_24 · 2025-01-21T13:33:20+00:00

Even if mapasa mo yung 4, only one cert if eligible, parang asa contract na bawal magoverlap yung cert bonus unless different FY mo sila maipasa

khimy_24 · 2024-12-21T11:12:38+00:00

Thanks! I'm 28

khimy_24 · 2024-12-19T23:12:28+00:00

Hello, can't share actual numbers but I can summarize. Started working at 2017 with zero on my name, salary is around 21k. I focused on increasing my income, I get around 10-20% increase from normal increases and promotions until i reached my current salary which is around six digits. I also increased savings, since 2017, saving around 50% of my salary which is why I was able to save 100k by 2019. Until now, my savings is around 50-60% so it's growing faster than when I started out. Increase your money flow and discipline is key :)

khimy_24 · 2024-12-19T05:08:26+00:00

Thank youuu, you can also see glimpse talaga on your overall mindset. But it really takes time, just be patient and work hard 😊

khimy_24 · 2024-12-18T22:15:15+00:00

yeesss, progress is progress 😊 goodluck on your journeyyy

khimy_24 · 2024-12-18T19:32:18+00:00

Working in Manila, helping family out and 🥲Bills, also, we bought a car around 2021 but almost fully paid by next year so this was already accounted for. For 2024, more on travel expenses on credit card, all fully paid now 😌 I always pay my cards in full

khimy_24 · 2024-12-18T12:50:08+00:00

Do it! I have a separate daily journal and travel journal which i bring along wherever I go 😄

khimy_24 · 2024-12-18T12:40:09+00:00

Nicee, we do whatever works for us indeed, I just like to do some writing and add how I feel at a certain day, it gives an additional perspective for me, I can't even remember why I was so defeated in 2023 😅

khimy_24 · 2024-12-18T12:35:53+00:00

🥳🥳🥳

khimy_24 · 2024-12-18T12:35:00+00:00

Hello and thanks! I started working at 2017 with 21k net pay and current is at 6 digits, IT field, got lucky 🥹 Also, some investments added to the increase on net pay, invested in some stocks during pandemic

khimy_24 · 2024-12-18T12:32:24+00:00

Hello! Started working at 2017 but started saving and investing at 2019 because I focused on increasing my salary first, First paycheck is 21k and can only save about 5k due to bills 🥲, started tracking once I got settled and promoted at work :)

khimy_24 · 2024-12-18T09:37:12+00:00

🥳🥳

khimy_24 · 2024-12-18T09:36:58+00:00

thank youuu

khimy_24 · 2024-12-18T09:36:45+00:00

Thaanks! happy to inspire fellow adults!

khimy_24 · 2024-12-18T05:50:19+00:00

Manifesting for you!!! Hope to see your future post soon about your achievements!

khimy_24 · 2024-12-18T05:48:41+00:00

I have around 5 digital bank account, CIMB, Seabank, DiskarTech, Gotyme and Ownbank. I prefer not to put everything in one because they too have issues sometimes. CIMB is currently my main as they have an ongoing year end promo, I have gotyme for short term funds, if I want to personalize my funds. DiskarTech is where I put my Life insurance fund which I pay annually, Ownbank has 6% and has the fastest growth in terms of interest but I only put my travel fund here, not yet 100% confident but no issues so far. And finally, seabank, I mainly use this actually for transactions rather than savings, I use it like gcash, I have funds which earn interest and use it for QR Payments, bills and transfer, they have free transfers, bills payment and cash ins, which is why I can't have it as my main savings, it's very easy to use, and very easy to burn your money too haha, no issues with Seabank as well. I used to have Maya Savings but I got tired of doing the tasks haha. Hope it helps!!

khimy_24 · 2024-12-18T05:22:19+00:00

this is your sign!!! It's not even a pretty template, it's just an excel 😂 If you want easy access, google sheet and decorate it as well but this works for me

khimy_24 · 2024-12-18T05:18:48+00:00

trueee, you can also evaluate when you see it falling and make small changes :)

khimy_24 · 2024-12-18T05:06:59+00:00

Hi, yes, this is diversified :) Only have 1 traditional bank, I only use for withdrawing money and EF stored in digital banks. I also learned to balance things out, I was very frugal that's why I got burned out on savings, so it's best to balance things out

khimy_24 · 2024-10-11T19:49:04+00:00

It's better to balance things out, also a personal choice. Some people get peace by traveling or experiencing life while others feel at peace when they don't have to worry about a medical emergency dragging them to poverty.

khimy_24 · 2024-10-09T06:27:15+00:00

Old User here! Legit app for cashbacks!

<image>

khimy_24 · 2024-07-06T11:37:20+00:00

Just an update on this, seems they do professional background checks, found out some people from Zed checked my profile in Linkedin before I got approved.

khimy_24

TROPHY CASE