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Adulting Millennial
General Finance
Budgeting, Personal Finance, Millennial Money, Career
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Blogger Bio

Manila, National Capital Region, Philippines
Life stage:
SINK (Single Income, No Kids)
Plant Breeder
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Latest Blog Posts

Stock market investing used to intimidate me. Before, when people say ‘stock market’ I automatically have a mental image of people yelling at each other while looking at red and green digits in a giant board with big numbers no one really understands. Fortunately, my understanding has come a long way from this. Stock market is a room full of … Keep Reading...The post Investing in the Stock Market for Beginners appeared ...
Posted: Aug 17 2017 @ 10:00 PM
Grocery bills can eat up your monthly budget if you are not careful. The average allocation for a family of four for food expense is about 12 to 20 percent.  This is a wide margin and certainly, there is a wiggle room here. Unlike housing, phone and internet bills, you are not locked in on a monthly amount, so this … Keep Reading... The post 5 ways to cut your grocery bill in ...
Posted: Aug 10 2017 @ 10:00 PM
Delayed gratification sounds as enticing as a dentist appointment. Hungry for burger and fries but don’t want to move a muscle? Call Mcdonalds delivery. You want to see a specific show at 2am? We have Netflix for that. Need to know something? That’s what the internet is for. In a world of instant everything, delayed gratification can be scary, difficult … Keep Reading... The post Millennials guide on Delayed gratification appeared first on Adulting Millennial. ...
Posted: Aug 02 2017 @ 7:25 AM
Few phrases are more indisputable than this: most people in today’s world are busy. I consider myself as a busy person. My top 1 excuse for not exercising or for not pursuing a side hustle is that I have been too busy. I feel it’s a fact that I spend most of my waking moments at work that when I get home I usually feel drained to do anything else, let ...
Posted: Jul 06 2017 @ 12:15 AM
I have always been frugal. It is such an involuntary action that I usually don’t realize doing it. However, I am trying to practice mindfulness more, and why not extend it to my financial life? Being more conscious of the frugal things that I did can make me appreciate it more and inspire to come up with more frugal ideas next time. I also read a lot of personal financial ...
Posted: Jun 04 2017 @ 12:29 AM
Lifestyle inflation is simply put, is increasing spending when income increases. This continues every time income increases making it endlessly difficult to do other things with money like saving, investing or retirement planning. While walking or taking the bus used to be the only acceptable way to get around the city, you suddenly “need” that brand new car, with a sun roof and 800mm water wading capacity even though you ...
Posted: May 28 2017 @ 9:36 AM
I first learned how to write a check when I was 29 years old. Yes, I was THAT old. The first thing I did was to sign the check all wrong that resulted voiding that check. I never learned any money stuff in school, yes we have statistics, algebra, calculus, trigonometry, etc.  but not one subject dedicated to personal finance. Don’t you find it curious  that we are required to learn the ...
Posted: May 20 2017 @ 12:22 PM
Your friend cheats with your boyfriend. You confront your boyfriend but he hits you. Your immediate supervisor verbally abuses you. The big boss made a pass at you. No matter how much your body aches to give them the finger, scream F-you and leave, you don’t. Because your friend loaned you money for that exotic island trip last year. Because your boyfriend gave the down payment for your new shiny car. Because you are wallowing in credit ...
Posted: May 01 2017 @ 12:36 AM
“I think this is the most awesome idea since liquid lipstick!” You think of something awesome, you research on how to start diving into the awesomeness, discover thousands of useful (and not so useful) links on that topic, get lost on the internet for hours (or days), then you get paralyzed with all the information and decides to just binge-watch Netflix instead. Sound familiar? This is me, probably once every quarter. Starting is scary. ...
Posted: Apr 14 2017 @ 11:22 PM
Millennials are often portrayed as entitled, selfish, disloyal bunch. While that may be true in some cases , Millennials also had a fairly difficult time growing up. I joined the job market in the midst of global financial crisis. I consider myself as one of the lucky few who was able to get secure a good-paying job related to my degree. These are the 5 things that I learned so far. Having a ...
Posted: Apr 03 2017 @ 10:12 PM


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