OK, that all sounds good. You can include a brief letter of explanation from you or your parents about them giving you some "backup" for your funds. In general, you should be able to show that you can afford the trip on your own (100k isn't enough) to be approved for a TRV, but also, I think Manila VO officers are a bit more lenient because they know these kinds of scenarios are common in Filipino culture. Good luck.
PS: I'd also suggest preparing a daily budget of your expenses of your travel, and the shares of where they will come from (e.g. food from your sis, pocket money from you, etc.).