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Charm de Leon: #Ready2Adult in a Time of Uncertainty
Braulio Giron Jr

Braulio Giron Jr

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In as little as a decade or two ago, discussions about money were often met with discomfort. To some, it felt rude asking about another person’s finances, and boastful to discuss their own; while for others, talking about money and investment possibilities seemed moot because of the mindset that there’s not much left to save or invest after bills and taxes anyway.

Fortunately, times have changed, and more Filipinos–particularly the younger generation–have shown a willingness to not only discuss financial matters but learn and share as much as they can about growing wealth and attaining financial independence. Among those leading the way in this online era is Charmaine de Leon who, through Ready 2 Adult PH, shares her experiences and expertise about personal finance, entrepreneurship, and being a young adult.

Publishing content on an official website and channels like Youtube and Facebook, Ready to Adult PH was born mostly out of there not being as many people online talking finance and adulting in a local setting. According to the architect-turned-entrepreneur and finance director:

“Most of the adulting content that I consumed were all in the US context and I wanted to have that go-to creator for all things adulting and so I made one. I think the appeal is that I’m young, we often hear people saying to worry about these things ‘later’ and the fact that I’m talking about how we should think about these things in our 20s is…new?”

Meeting #InvestmentGoals in a pandemic

Like the rest of the world, “Charm” had seen abrupt changes in her life as a result of the ongoing Covid-19 pandemic. Among the immediate lessons she learned and observed with others is how investing has become more important and how our living spaces are as significant as ever.

“Due to the uncertainty of the pandemic, people are valuing the importance of investing more and preserving their hard-earned money.”

“A lot has changed. For one, my career has focused on content creation–which resulted in me moving to and valuing the importance of having my own room/my own space so I can film, work from home, sleep and wake up when I want to. Currently, it’s my desk in the middle of my room (that is my favorite spot in the house). I’ve become more productive and it’s allowing me to produce more content for my YouTube channel.”

Despite the numerous challenges brought on by the health crisis, investment opportunities still presented themselves, which in Charm’s experience led to another significant one to date.

Currently, I still live in our family home. But the property me and my fiancé got, a studio condo, is a property we plan to live in for just a couple of years before renting it out. Some things we considered are the location (of course), the amenities and accessibility to commercial spaces and services, and also it had to be pet friendly. We got it ‘for assume’ or ‘pasalo’ during the pandemic and we got it way below, what was then the market rate.

For those looking to reach their investment goals by way of buying a home under current circumstances, Charm advises that doing the needed research remains important, as well as investing with a purpose.

“The prices vary quite a bit during the pandemic because of a lot of ‘sacrifice sales’, so make sure you do your research well to make sure you’re getting a good deal. And don’t invest in something just because you see others do it. Make sure that you are investing in what’s right for you, your risk appetite, and your goals.”

#ReadyToAdultPH at home

Listening to Charm discuss investing and financial health, anyone would become curious as to what was the defining moment that welcomed her into adulthood and drives her in her current path. While she does exceptionally well in her work, the big realization for her isn’t as unprecedented and is actually one that is quite common among all of us. 

“Bills. Bills. And more bills. That’s when you know you’re ‘adulting’ when you have to pay for yourself already.”

Indeed, financial health is a great reason to ‘adult’, and since it can be overwhelming for both young and older people alike, many can benefit from following Charm’s lead, if at the very least when spending time at home during this era of limited travel.

“I’m super laidback at home, I love to watch YT videos and work.”

When asked about which between a house or condo Charm prefers, her answer, not surprisingly, was quite practical and, well, adult.

“I love both, actually. It depends on your needs like convenience, amenities, security, accessibility, etc, and also your goals like having a family, having to work in the city, having pets, plants, etc.”

“Personally, I would love to live in a condo in my youth and later on transfer to a house.”

To learn more about investments and personal finances from Charm de Leon, visit the Ready to Adult PH website and YouTube account, or like and follow Ready to Adult PH on Facebook and Instagram.

For more information on home investments and access to the best and latest home for sale in the Philippines, visit Ohmyhome online or download the official Ohmyhome app to conveniently access real estate information, tips, services, and property listings from almost anywhere with your smartphone.


Ohmyhome was launched in the Philippines in September 2020, following the company’s establishment of a tech team in the country in 2017. Ohmyhome was originally founded in 2016, and subsequently rose in Singapore as a leading PropTech solution and licensed real estate agency.

Ohmyhome expanded into the Philippines so that Filipino home seekers can have a real estate partner that they can trust to have their best interests at heart and can be relied upon to provide exceptional services throughout the entire property journey.

Featuring thousands of properties across many of the Philippines’ major real estate brands, Ohmyhome differs from other local platforms by going the extra mile and extensively helping buyers narrow down their choices and find the property that best suits their budgets, home needs, and lifestyle preferences.

The company’s Real Estate Agents not only help in the shortlisting of options but also provide professional services through the entire purchasing process. These include assistance in property inspections, negotiations, the finalization of the Conditions of Sale, deposit collection, the submission of property documents, as well as providing buyers regular updates.

Ohmyhome helps Filipinos find their dream homes, all while making sure each real estate transaction is complete and is an efficient and enjoyable experience.

Stay connected with Ohmyhome Philippines by following our official Facebook, Instagram, and LinkedIn accounts.

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Buy

get an agent

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FOR OFWS

Buy a Property in the Philippines

Come home to the property of your dreams.

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While you’re away, we take care of your property investment.

Buying for Home Ownership

We help OFWs find their forever home.

DO IT YOURSELF​

Prefer to do-it-yourself?

Check out how our platform can help

Browse Resale Listings

Connect with sellers through our app

ARTICLES​

Steps for First Time Buyers

Like any new experience, buying a home for the first time is daunting.

Home Buying for Your Family

Make sure you’ve thought about these things before you decide to buy a house.

Get The E-Book

Sell

get an agent

Sell with an Agent

Dedicated experts at your service

do it yourself

Prefer to do-it-yourself?

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Post a Listing for Free

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Articles

Factors Affecting Home Value

Know the factors that affect property value before you buy a home.

Mistakes to Avoid in Selling

Make sure you’re not committing any of these fairly small, common mistakes.

Passive Income from Real Estate?

Real estate generally appreciates in value and can also be rented out.

Sell Your Property Fast

This is how you can attract more homebuyers.

Get The E-Book

For Tenants

get an agent

Rent with an Agent

Dedicated experts at ayour service

ARTICLES

Renting vs. Owning

Either way, it’s much easier outside Manila.

House or Condo?

Both have advantages and limitations. Everyone has different preferences.

Do it yourself

Prefer to do-it-yourself?

Check out how our platform can help

Search or Post your home

Connect with landlords through the app

For Landlords

get an agent

Lease with an Agent

Dedicated experts at your service

ARTICLES​

Assessing Property Value

Of course, knowing your property’s true value is key to any great investment.

Home Staging Tips

With this checklist, you get a better chance of finding a long-term tenant.

Do it yourself

Prefer to do-it-yourself?

Check out how our platform can help

Search or Post your home

Connect with tenants through the app

Our Properties

By Developer

SMDC

Properties from the good guys.

Robinsons Land

Raise, live, and connect.

Moldex Realty

The gateway to ideal community living.

PIK

Russia and Europe's largest homebuilder

For Ofws

What we do for OFWs

Safely secure your dream home from overseas.

Buying for Homeownership

Connecting you with the top developers nationwide.

Buying for Investment

For a seamless and stress-free property investment.

LOCATION GUIDES​

Life in SYNC is a Life Well Balanced

A good home gives good shelter, but a...

Quezon City Community Guide: Why Invest in Property in ‘QC

Quezon City is the Philippines’ second...

Break from the Metro: Why Buy a 
Home in Antipolo

While some seek their faith in Antipolo...

Buy a Home in Lipa for a Break from the Big City

Lipa continues to emerge as a good...

Finance & Investments

Your Starter Guide for Investing in Homes for Sale

Buying a home is a major expense but...

Why Employers Must Invest in Employees’ Homeownership

Employees sign-up and stay with the...

How to Successfully Save for Your Dream Home

With how high property prices are, ho...

Rent or Own? Either Way, It’s Easier Outside Manila

Manila has always been one of the co...

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