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 healthrelationships, and even proper self-defense. We swear, the app is a gold mine! 

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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!)  

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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."

@coachyanimoya

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
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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."

@coachyanimoya

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.

@coachyanimoya

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

? original sound - Yani Moya - Yani Moya on IG

@coachyanimoya

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

? original sound - Yani Moya - Yani Moya on IG

@coachyanimoya

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." 

@coachyanimoya

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! 

@coachyanimoya

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. 

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@coachyanimoya

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.

@coachyanimoya

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.

@coachyanimoya

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.

@coachyanimoya

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

? Swaggy - Fluorescent Canyon

***

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