Having fun topping up my Emergency Fund 💰🥳

I didn’t realize that funding my “gap fund”—or emergency fund—could actually be enjoyable 💰.

Especially now that I’m saving my emergency fund in a high-yield savings account 📈. Yes, I finally made the move—carefully, as always, and with the right precautions in place 🛡️.

There’s a small dopamine hit every time I see my fund growing day by day 😄📊. It’s a simple joy, but it feels like a little win added to my day—and I’ll take those wins whenever I can.

A quick note on interest and taxes 🇵🇭🧾

Just sharing this for transparency and awareness:

• Interest earned in the Philippines is subject to a 20% tax

• My high-yield savings account earns around 3.5%–6% interest

• I earn roughly ₱50 per month in interest

• After the 20% tax, that becomes about ₱40

It’s not a huge amount, but watching money grow—no matter how small—still feels rewarding 💸🙂.

Protect your online presence 🔐📱

Using online banking has been incredibly convenient and efficient. That said, it’s also important to stay vigilant. Creative hackers are everywhere, and protecting yourself is non-negotiable.

Here are a few practices I follow to keep my finances safe:

• ❌ Don’t click suspicious links

• 📶 Never connect to public Wi-Fi

• 📞 Be cautious of scam calls asking for personal details

In today’s digital world, we need to be smarter and more proactive about protecting what’s ours. These simple steps go a long way toward reducing financial stress.

Less worry about money is one of my main goals 🧘‍♀️💖. If I can eliminate even one major source of stress from my life, that already feels like a win.

That’s it for now.
Thanks so much for reading all the way through 🤍