Kung kumikita ka na ng ₱50,000+ kada buwan sa YouTube, congrats—pero dito madalas nadadapa ang creators: malakas pumasok ang pera, pero mabilis din lumabas.
Ang key ay gawing stable at predictable ang cashflow mo. Dahil creator income is variable (may buwan na mataas, may buwan na mababa), kailangan ng sistema na pang-long term—hindi lang “bahala na”.
Sa post na ’to, ituturo ko ang simple at praktikal na budgeting plan para sa YouTube income: may allocations, step-by-step setup, sample budget, at common mistakes.
1) Unahin ang “baseline” income (conservative budgeting)
Dahil hindi consistent ang YouTube (RPM changes, seasonality, demonetization risk), huwag mong i-budget ang buong 50k as “sure”.
Rule: gamitin ang lowest/average na kaya mong i-sustain.
Paano:
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I-check ang last 6 months income mo.
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Kunin ang average at lowest month.
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Piliin ang baseline: usually lowest month or 80% ng average.
Example:
Kung average mo ₱55k pero lowest mo ₱40k, gawin mong baseline ₱40k.
Yung extra (₱10k–₱15k) = bonus/surplus na ilalagay sa savings/investment.
[Screenshot: YouTube Studio → Analytics → Revenue (last 6 months)]
2) Hatiin ang pera sa 4 buckets
Ito ang pinaka-simple na system para sa creators:
A) Taxes & Gov/Compliance Bucket
Kung PH-based ka, malaking sakit ng ulo kapag walang tax fund.
Target: 10%–20% (depende sa setup mo)
Kung wala ka pang idea, safe starter: 15%.
B) Needs / Bills Bucket
Ito ang gastos na kailangan talaga: rent, kuryente, pagkain, internet, pamasahe, family support.
Target: 40%–55%
C) Savings & Safety Bucket
Emergency fund + future goals (travel fund, house fund, buffer months).
Target: 20%–30%
D) YouTube Business / Reinvestment Bucket
Equipment, software, editor, thumbnail, ads, music licenses, internet upgrade.
Target: 10%–20%
3) Sample budget breakdown for ₱50,000
Option 1: Balanced (recommended)
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Taxes/Compliance: 15% = ₱7,500
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Needs/Bills: 45% = ₱22,500
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Savings/Safety: 25% = ₱12,500
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Reinvestment: 15% = ₱7,500
Total: ₱50,000
Option 2: Aggressive growth (kung goal mo mabilis lumaki channel)
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Taxes: 15% = ₱7,500
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Needs: 40% = ₱20,000
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Savings: 20% = ₱10,000
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Reinvestment: 25% = ₱12,500
Option 3: Safety-first (kung breadwinner / unstable income)
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Taxes: 15% = ₱7,500
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Needs: 50% = ₱25,000
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Savings: 30% = ₱15,000
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Reinvestment: 5% = ₱2,500
Tip: Piliin ang option base sa situation mo, hindi base sa “uso”.
4) Step-by-step: Paano i-setup bawat buwan
Step 1: Gumawa ng 4 separate wallets/accounts (kahit digital)
Pwede:
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4 bank accounts
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4 e-wallet “goals”
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or envelope system (kung cash)
Label:
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TAX
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NEEDS
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SAVINGS
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YT BIZ
[Screenshot: Sample bank accounts / e-wallet categories]
Step 2: Pagpasok ng YouTube payout, auto-split agad
Same day na pumasok ang payout:
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lipat mo agad yung 15% tax
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set aside yung savings
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set aside yung YT budget
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remaining = pang-bills/needs
Bakit immediate?
Kapag “mamaya na”, nagiging “wala na”.
Step 3: Gumawa ng spending cap weekly
Halimbawa, Needs mo ₱22,500/month.
Weekly cap = ₱22,500 ÷ 4 = ₱5,625/week.
Mas madaling kontrolin weekly kaysa monthly.
Step 4: Surplus rule (extra income)
Kung may extra (e.g., ₱60k this month), huwag biglaang upgrade.
Surplus split suggestion:
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50% to Savings (buffer/emergency/investment)
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30% to Reinvestment
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20% to “Wants/Reward” (para di ka maburnout)
5) Reinvestment plan para lumaki ang channel
Hindi porket kumikita na, bibili agad ng camera. Dapat may ROI thinking.
Priority list (pinaka-sulit madalas)
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Audio (mic upgrade) – pinaka noticeable sa viewers
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Lighting (basic softbox/ring light)
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Editing workflow (templates, presets, storage)
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Thumbnail system (Canva Pro / designer)
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Editor (part-time) kapag consistent ka na
Rule: Mag-invest lang kung:
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makakatipid ng oras, or
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makaka-angat ng quality, or
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makakadagdag ng uploads.
6) Common mistakes / troubleshooting
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Walang tax fund → biglang utang pag filing season
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Halo-halo personal at YouTube money → di mo alam kung kumikita ka talaga
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Over-reinvest (lahat sa gear) pero wala namang consistent uploads
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Lifestyle inflation (biglang upgrade ng gastos dahil lang tumaas kita)
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No emergency fund → isang demonetization lang, bagsak
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Di mino-monitor ang subscriptions (apps, tools) → silent leak
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Inconsistent tracking → “feeling” lang ang budget, hindi data
7) FAQ
Q1: Kailangan ba talagang 4 accounts?
Hindi required, pero sobrang helpful. Kahit “virtual envelopes” lang sa notes/spreadsheet, ok na.
Q2: Magkano dapat emergency fund ko?
Target 3–6 months ng monthly needs. Kung needs mo ₱22,500/month, goal mo ₱67,500–₱135,000.
Q3: Paano kung pabago-bago kita ko (30k–80k)?
Gamitin ang baseline (lowest/80% average). Yung taas = surplus rule.
Q4: Kailan ako dapat mag-hire ng editor?
Kapag kaya mong i-allocate 10%–20% ng income at sure kang madadagdagan uploads/quality.
Q5: Ilang percent ang “wants” or reward?
Kung disciplined ka na sa buckets, pwede 5%–10% para di ka ma-burnout.
Q6: Paano kung breadwinner ako?
Choose “Safety-first” allocation: mataas needs at savings, maliit reinvestment muna.
Q7: Ano pinakaunang gawin ko ngayong buwan?
Mag-set up ng TAX bucket + SAVINGS bucket agad. Kahit yun lang, malaking improvement na.
Kung ₱50K+ ang YouTube income mo, ang goal ay hindi lang kumita—kundi tumagal. Gamitin ang 4-bucket system (Tax, Needs, Savings, Reinvest), conservative baseline, at surplus rule para stable ka kahit may off-months.
