Love this. She saves up for her future but also living comfortably in the present. Para san pa at kumakayod ka kung di mo rin maenjoy. Her expenses are reasonable, since around 65% na sisave up parin niya from her income.💞🤸
I don't see anything wrong with this content. actually, this is eye-opening for me lalo na I am about to graduate, and sooner and later I have to make a decision for myself. This is indeed the reality when you actually move out so we have to work hard for every penny. That's why habang maaga pa we have to forecast everything (invest lol) and decide depends on our capacity and needs. Thank you so much for this video, Ms. Thea. You deserve more than that and you work hard for it ❤
Ito na ata ang pinaka swerte sa younger gen. Ang daming information na naglalabasan about this, kapag nakapag simula kna ng work you can take full advantage of your income.
I really don't get the negative comments about this video. Watched this already when it was freshly uploaded and thought I love how well-detailed everything was. Lahat recorded. Why are people here so nega and comparing their monthly expenses, as if magastos si Thea and wala na syang karapatan magbigay ng financial tips? People have different priorities, lifestyle and financial situations. Just because you just spend X amount monthly, doesn't mean others have to live the same. Sobrang tipid na nga ni Thea sa lagay na yan for someone in her lifestyle eh.
Don't wanna sound mean pero I feel like yung iba dito financially insecure lang kaya nagpo-project. If they even watched the video, they'd know na madami-dami siyang binayaran using vouchers and yung iba ay one time expenses lang din. Lalo ding liliit yung gastos if inalis ni Thea yung love fund niya.
@@leaf3001 Naiinggit lang ang iba dito na nega. Halata namang may kaya tong si Ate so ganyan talaga ang budget nya. Gusto yata ng mga insecure dito sa comment section na kaparehas nila na minimum wage din na budget ang budget ng iba. Mga inggitera.
Hi! I’ve been receiving comments/DMs about how I spend too much in a month. I agree that a lot of people spend less than what I consider my base spending. I would also like to share my perspective on the matter. I am willing to spend money to enjoy a comfortable life-pay the bills, work in a comfortable environment, share a portion of my income, have fun every once in a while and still have room for savings and investment (please don’t confuse with luxurious lifestyle). These are my non-negotiables; I’m okay with not spending on clothes, shoes and luxury bags. As mentioned in the video, my full year outlook is 60-65% of active income goes to savings and investment. This does not yet include returns on my investment portfolio. Essentially, it is a lifestyle that I can afford. I do not recommend everyone to spend as much as I can, though. It should depend on your financial situation, capacity and needs. What I suggest is to make sure you live within your means AND set aside money for savings/investment. If possible, diversify your sources of income. You can only reduce your expenses by so much, but the potential income streams are endless. Also for easy reference, I’m sharing the breakdown of my May 2021 Budget - total is 50.9K. Kindly note that Love Fund is completely discretionary, and my Business Expense may not be applicable on your end (about 11k in total).
Hi Ms Thea, thank you for sharing the detailed breakdown . The numbers seem high for others but considering that you still save 60-65% that makes you a wise spender and good in budgeting. I started watching your videos since you have small following. Continue to be an inspiration for everyone who wants to be financially literate and independent. Love lots!
Ms Thea thank you for giving us numbers malaking tulong po lalo na sa mga gusto din mag condo living in the future atleast ngayon pa lang maliliwanagan na kami ☺
If you can afford to live comfortably, why not? Kaya ka nga nagtatrabaho para mabuhay mo ang sarili mo at mabili mo ang gusto mo. Magkakaiba tayo ng priorities kaya wag makialam sa gastos ng iba lalo na kung di naman ikaw ang nagbibigay ng panggastos sa kanya. 🙂
“As individuals we only have one obligation to society: To make sure we, and our children, are not a burden to others. The rest is your personal choice. Make your own and make the world a far more interesting place. JL Collins” So much respect for Thea for being so transparent. I only save 30-40% of my income dahil ang laki tlga ng housing costs at cost of living dito sa US. Up to 65% is a feat. not everything needs to be a financial choice, some are lifestyle choices. My dog is big drain in my bank account but I love her to bits so it doesn’t matter. 😍
Iba lifestyle mo samin na regular salary employees, but I salute you po. Sobrang insightful. Kahit naman na marami kang gastos po, kita naman po na every peso has a designated place s budget po at hindi wasted sa walang kwentang spending. Ngttrack din po ako ng spending and budget, hopefully one day I'll reach this level as well. Thank you po s pag share.
Grabe Ms Thea you so kind! Giving this tips for free during this pandemic,nakaka tanggal ng stress. Atleast ppl like me will understand the how demanding & hard the world of an independent ppl like you. Ipon now bukod soon!! Haha
Hi Thea, Video idea suggestion. Reaction dun sa 37k 1st job starting pay issue ng Atenista. Atenista ako at CS pa pero dahil di naman ako nagperform well sa school nahiya akong "ibenta" yung sarili ko. Napressure din ako na sa batch ko April na wala pa akong job offer samantalang yung mga batch mate ko Feb may job offers na. So yung unang job na naghire sa akin pinatos ko na. People said I sold myself short at di ko tinake advantage yung pangalan ng university ko. Pero the fact na 3wks after graduation may work na ako feeling ko advantage na agad yun. 10yrs na naman ako nagwowork. Pero gusto ko lang ng objective opinion on how you should sell yourself as a fresh grad.
Same here. BS Org from the same school and didn’t really excel academically. After grad, tinanggap ko yung pinakaunang nag-offer sa’kin lol di ko rin alam kung paano ibenta sarili ko at that time. Ang inisip ko na lang nun is, I need to join the workforce ASAP. Itong topic na ‘to will be beneficial to both fresh graduates and those jumping ship looking for better opportunities :)
I am a professional too (CPA), pero my sole source of income is only my salary. Tips po sana on other work or services that could help me earn more? And on selling yourself din sa mismong corporate jobs? Wala rin kasi akong masyadong exposure sa mga ganito kaya i really love your channel. I think you are few years senior to me or same age lang, pero you are really successful on what you are doing, and I am inspired by that. Thank you Thea
Gusto ko sanang magcomment na marami kang gasto then I realized oo nga pala sobrang taas na ng cost of living sa pinas. Nung umuwi ako last yr from SG yung expenses ko for 2 wks regular expense ko sa SG for 2wks. Btw thanks for the breakdown nakaka inspire magreview ng expenses
I like this breakdown of monthly expenses. Medyo malaki nga kahit separated pa yung one-time and advance expenses, but true din na you're not as extravagant in spending as others. Mahal lang talaga expenses. Lalo pa siguro pag may family na.
Also your sharing is so good, I really love how comprehensive your report is. I learned a lot, and I agree not to scrimp on love funds!! Hope your aunt is ok. I guess another realization I learned is that living with another income-generating person would also help a lot.
I enjoyed watching this as well as reading the comments. Grabe yung breakdown ng expenses, down to every bit of small expenses. Kaniya-kaniya lang - some may live comfortably spending quite a lot, some may not have to spend this much, but this teaches us to be mindful of every single expense we make each day, every month.
Hi, I've been binge watching your videos while working at night. I'm at my 40's and it's not too to apply those tips you are sharing in this channel. I'm researching about buying a condo and a car too, and hindi madali magdecide, ayaw ko magmadali. But hearing your tips is a big help (hindi ko makukuha ang ganitong knowledge/tips sa kung sino-sinu na lang) . I will keep an eye on your next video.Thank you😊
Thank you for sharing Ms Thea, super detailed! Nakakatuwa na nakakapagsave ka pa din kahit mataas ang expenses. Ang galing Ms Thea. Nakakainspire na galingan pa maghustle to live a comfortable life. Salute!
I've been watching you na simula pa nung focused on beauty pa yung channel mo and feel ko sobrang matutuwa yung past self mo na you scored 4 high end products for just 6k tapos may voucher ka pa 😂 thanks for another informative video! Nakakatuwa na ang organized ng expenses mo and nalilista mo talaga ❤
As a healthcare worker, napakaimpossible para sakin na magkaroon ng ganyang lifestyle lalo na ang average sahod namin sa hospital ay 8k-13k a month lolz
@@tipidkuryente6960 I’m just sharing my thoughts din po hehe. Cruel reality na sobrang underpaid ng mga healthcare workers dito sa Pilipinas compared sa mga nasa corporate world. No wonder bakit sobrang dami nagaabroad
I just started watching your videos this week. At gusto ko yung straight to the point at wala masyadong distracting sound effects. And very detailed and informative etong episode na to
ms. theaaaa! just want to let you know po na i'm very excited na i-apply lahat ng tinuturo niyo sa channel. sobrang nagaganahan pa po ako mag-strive for my career growth kahit na freshman pa lang po sa college. thank you so much ms. thea! i truly appreciate your brain, beauty and wisdom. less na din expenses ko in hoarding kasi who buys so much and doesn't even use it? (guilty of this 😔✋). thank you po talaga. hoping for your channel to reach more filipinos who are in need of financial literacy at a more digestable way. labyuuuu po and always keep safe ❤
Wow!! ang galing! Actually, I costumized yung excel that you posted according to my need. Ang inaaral ko palang is to budget for the year. And this gave me a perspective why you really need to budget for a year. Ang ginagawa ko lang kasi is nagbabudget before an activity. That is easier. Pero grabe very challenging din mag budget ng for buong year. and yet di kasing laki ng budget ko ang binabudget mo hehe..
Finally!!!!! 😫😫 Kapag pagsasabihan ako ng family ko na anlaki na naman ng gasto ko, sagot ko lang "I worked hard to live a comfortable life so let me be" Hindi din ako pala luxury more on comfy life lang talaga
I live alone for almost 5 years now (international flight attendant based in middle east) and sobrang hirap talaga mag adulting but at the same time sobrang nakakaenjoy. I love tracking my expenses para naman makita san ko nagagastos ang pera ko but I don’t pressure myself kasi the more na naghihigpit ka sa pera mas lalo kang hindi nakakasave 😉 I tried to cook home food as much as possible or even prep meal para makasave. I limit ordering food online kahit sobrang tempting. I rarely go out only when I do grocery and I bought a coffee machine para no more buying super expensive coffee outside lol. I’m now trying to build my emergency fund good for 6months after that save ulit lol.
👀wow 👀 laki ng monthly expenses but still living below your means, Ms Thea - having around 60% in savings and investment. The amount of income matters and it is a big factor but creating our own financial system is a great start and absolutely a game changer.
Wow! Nakakalula talaga pag namulat ka sa realidad. Thank you po pala sa mga tips at ideas. Marami akong natutunan dito. Worth it talaga ang oras na magugol sa panonood. Keep it up po. Tsaka make more videos pa po!Love lots 💗
as a single mom ang dami ko natututunan sa vlog mo as in ang dami ko palaging realizations, then I saw your monthly expense and I realized na walang mayaman at walang taong mahirap. Depende yun sa pagbbudget. Me as a single mom I notice na halos same lang kami ng way ng budgeting ang pinagkaiba lang is iba yung lifestyle nya sa akin. I'm not sure if naparating ko ba yung point ko pero Kudos talaga sa mga vlogs mo ang dami ko natutunan.
Ano naman pake ng iba dyan kung ganyan sya maghandle ng pera nya eh lahat naman yan pinagtrabahuhan ni ate. Gusto nya lang ng comfortable living, may ipon din naman siya na kahit gumastos siya ng malaki eh nakakapagsave naman siya mas malaki pa sa gastos nya hahaha. Anyways wag na kayo mainggit mag work nalang kayo sa sarili nyo para maging better din kayo inggit lang yan guys HAHAHA. Kalma lang kayo 🤣
Hi! Can you tell us more about the credit score review? I'm curious about it. I feel like isa siya sa mga dapat alamin ng tao. Hope you read this. Thanks a lot! :)
Kami bumibili kami sa labas ng food sa carenderia. Pero talagang nakakatipid ka sa food expenditure mo kapag may stocks ka ng lulutuin. Yung stock na di mo uubusin sa dalawang cut off.
Hi Thea, thank you so much for sharing this kind of content. I started using your Budget Planner Template this May. Although starting palang, nakikita ko na agad kung anong position ko in terms of finances. ☺️☺️ Looking forward for more tita talks. 😘
HI Thea! Hope you can also give a quick guide on how to register your small business (mostly for online businesses) and all the processes/expenses involved. Thank you!
Grabi ang mahal talaga sa pinas...When I was living there sa Sa Shaw Residenza sa Ortigas for 2 bedroom duplicate condo I spent 55k plus almost 10k electricity 1month..hindi pa yan 24hrs yung Aircon nmin at wla pang proper kitchen...When I move here in KL tumira kmi sa condotel with complete aminities at yung condo fully furnished with complete kitchen apliances...yung rent nmin dito 40k lng at electricity nmin 24hrs aircon nasa 6k lng...
Gusto kita maging respondent sa income and expenditure survey namin hahaha. Hindi mahihirapan ang enumerator magsagot ng questionnaire. Very detailed at naka categorize na ang expenses. Sana all. Hahahahah
Your budget planner is really helpful! Can you possibly link a monthly budget with actual spending on the template? I'd like to see how you do it. Thank you :)
Ganitong-ganito din ako dati. Bawat sentimo nakalista pero eventually mas nangibabaw yung pagiging tamad ko hahaha. Alam ko na din kasi magkano expense namin sa bahay for the whole month kaya set aside kagad yung savings then check nalang yung mga sosobra pa.
I really love your video, and I immediately clicked the subscribe button... I think there isn't anything wrong with being too meticulous with out finances... I am like that too and you are completely right, game-changer siya ~!!! God bless po Ma'am and looking forward to more videos from you :)
With regards po sa books, did you buy po ba second hand? When I was in HS and elementary madalas po ako sa library or manghiram sa classmate (syempre isosoli 😆). May public libraries pa din naman po mga municipalities (like sa QC and Manila). So para makatipid sa physical books (without pirating), pwede libraries, hiram sa friend/family. Scribd subscription is sulit if talagang gamit na gamit per month. If totoong ayaw gumastos ayun, piracy 😅 madaming free audiobooks and free pdf books.
Nagsusulat kasi ako ng kung anu ano sa books hahaha but i agree mas sulit scribd pag madami kang titles na natatapos per month ☺️ Prefer ko lang tho interface ng audible pati mas accurate sya sa pag pick up
Earning around 650k a month (gross of tax) pero I also spends like 250k a month (mostly consist of fixed expenses like condo amortizations and car amortizations), so I also saves like 200k a month (ang taas kasi ng tax). Will be done paying my 2 condos and 2 car amortizations in 2022 so hopefully I’ll be able to increase my savings starting 2023.
I tried to budget and list down my expenses fortnightly tinigil ko na, nakakadismaya thatvi always go beyond the budget and laging may biglaang Expenses. So wag na magplano 🤣
Guys, don't worry about living on your own. I think Thea's spending is way above the spending of an average Filipino. Just always make sure to spend within your budget. Otherwise, walang sense ang pagba-budget.
puwede pa. karamihan kasi hindi alam na puwede hinaan aircon. set electric fan speed yung usual speed ng walang ac. then, set aircon temp to comfortable level.
@Cyvel Orpiada dapat mayroon o naka-on ang electric fan po, yung fan speed na ginagamit niyo kung walang ac. Tapos pipiliin niyo po yung DRY mode o Dehumidifer mode sa AC. Kung wala, set lang kayo ng temperature na sakto sa inyo, ang importante naka on ang electric fan.
Ms. Thea na-try niyo po ba meal plans baka mabawasan din gastusin niyo sa food. I'm taking one rn 5k plus lang per month although wala for weekdays lang siya.
This is proof that Parkinson's Law also applies to budgeting. “Expenses expand so as to fill the income available for it to be paid.” If your income is P100,000 a month, you will spend more or less a 100k a month. If your income is P10,000 a month, you will spend more or less a 10k a month. We spend based on how much money we have, and when it starts to get out of budget, we start to make Choices and Tradeoffs to fit the money available on our pockets. Kaya delikado magka Credit Card. It gives you the false belief that card limit is actually income. Then when you get deeply trapped makikinig ka na kay Dave Ramsey :D
eto ung content na ayoko panoorin pero alam ko dapat kong panoorin dahil sobrang daming matutunan and marerealize with my spendings hehe.. thank you ms Thea for your adulting videos =) stay safe
Thank you for the tips and the very detailed list of expenses.Someday I'll be able to spend like you! I now have a better idea of how much I should earn to have the lifestyle that I want.
I'm amazed with how you handle it all on your own. Nalalakihan kayo sa monthly expense nya? Imagine gaano kalaki investment port nya since She's able to set aside 60% of her income on investments. Very inspiring. Ang galing! ❤️
Ang swerte ni Thea haha nung bata kami tig 1 box (12pcs) lang kami ng ate ko ng chuckie, 1 pack of yakult (5pcs) and tig 4 pieces of 5 kinds of snacks then pang 1 month na yun. We're a middle class family pero talagang sinanay kami ng mom ko na matuto mapatagal namin ang snacks haha
We couldnt even afford chuckie noon. Pero lagi kami may Milo (mas cost effective kase pwede bawasan yung powder haha). Tapos yung mocha cake na dome shape snack yung pinapabaon samin non.. laging pandan flavor. Eh as an 8 yr old ayoko ng pandan 🙄 pero no choice ka haha
![where i ~actually~ spend my money on as a full-time freelancer & student 💰 [no cash for 30days]](http://i.ytimg.com/vi/1CXoGpyQtMU/mqdefault.jpg)
Love this. She saves up for her future but also living comfortably in the present. Para san pa at kumakayod ka kung di mo rin maenjoy. Her expenses are reasonable, since around 65% na sisave up parin niya from her income.💞🤸
💯💯💯
JJ Riders
JJ Riders
JJ Riders
JJ Riders
I don't see anything wrong with this content. actually, this is eye-opening for me lalo na I am about to graduate, and sooner and later I have to make a decision for myself. This is indeed the reality when you actually move out so we have to work hard for every penny. That's why habang maaga pa we have to forecast everything (invest lol) and decide depends on our capacity and needs. Thank you so much for this video, Ms. Thea. You deserve more than that and you work hard for it ❤
Ito na ata ang pinaka swerte sa younger gen. Ang daming information na naglalabasan about this, kapag nakapag simula kna ng work you can take full advantage of your income.
Hi thea, sana makagawa ka vid about sa side hustles mo. Im curious lang na ang laki ng expenses mo and kung pano mo natutustusan lahat :)
Same sentiments
:)
Yassss. Looking forward to this vid as well.
Pero I think malaking factor din na ang base Salary nya rin is 6 digit na eh.. :) kaya nya talaga to live that way...
most likely, malaki na salary niya + youtube + brand deals.
I really don't get the negative comments about this video. Watched this already when it was freshly uploaded and thought I love how well-detailed everything was. Lahat recorded. Why are people here so nega and comparing their monthly expenses, as if magastos si Thea and wala na syang karapatan magbigay ng financial tips? People have different priorities, lifestyle and financial situations. Just because you just spend X amount monthly, doesn't mean others have to live the same. Sobrang tipid na nga ni Thea sa lagay na yan for someone in her lifestyle eh.
Don't wanna sound mean pero I feel like yung iba dito financially insecure lang kaya nagpo-project. If they even watched the video, they'd know na madami-dami siyang binayaran using vouchers and yung iba ay one time expenses lang din. Lalo ding liliit yung gastos if inalis ni Thea yung love fund niya.
@@leaf3001 Naiinggit lang ang iba dito na nega. Halata namang may kaya tong si Ate so ganyan talaga ang budget nya. Gusto yata ng mga insecure dito sa comment section na kaparehas nila na minimum wage din na budget ang budget ng iba. Mga inggitera.
Most of my salary goes to family support. Like, I can't save. Send help (and hugs) po sa breadwinners. Nakaka-pressure ang life.
😔
same :(
😢
Hi! I’ve been receiving comments/DMs about how I spend too much in a month. I agree that a lot of people spend less than what I consider my base spending. I would also like to share my perspective on the matter. I am willing to spend money to enjoy a comfortable life-pay the bills, work in a comfortable environment, share a portion of my income, have fun every once in a while and still have room for savings and investment (please don’t confuse with luxurious lifestyle). These are my non-negotiables; I’m okay with not spending on clothes, shoes and luxury bags. As mentioned in the video, my full year outlook is 60-65% of active income goes to savings and investment. This does not yet include returns on my investment portfolio. Essentially, it is a lifestyle that I can afford.
I do not recommend everyone to spend as much as I can, though. It should depend on your financial situation, capacity and needs. What I suggest is to make sure you live within your means AND set aside money for savings/investment. If possible, diversify your sources of income. You can only reduce your expenses by so much, but the potential income streams are endless.
Also for easy reference, I’m sharing the breakdown of my May 2021 Budget - total is 50.9K. Kindly note that Love Fund is completely discretionary, and my Business Expense may not be applicable on your end (about 11k in total).
Hi Ms Thea, thank you for sharing the detailed breakdown . The numbers seem high for others but considering that you still save 60-65% that makes you a wise spender and good in budgeting. I started watching your videos since you have small following. Continue to be an inspiration for everyone who wants to be financially literate and independent. Love lots!
Ms Thea thank you for giving us numbers malaking tulong po lalo na sa mga gusto din mag condo living in the future atleast ngayon pa lang maliliwanagan na kami ☺
Thank you for your explanation about budget monthly. It Will help other people tohave information.
Thank you for share this information. It Will help other people.
I love kung gaano ka-detailed ung expenses. Hehe Adulting is real.
If you can afford to live comfortably, why not? Kaya ka nga nagtatrabaho para mabuhay mo ang sarili mo at mabili mo ang gusto mo. Magkakaiba tayo ng priorities kaya wag makialam sa gastos ng iba lalo na kung di naman ikaw ang nagbibigay ng panggastos sa kanya. 🙂
“As individuals we only have one obligation to society: To make sure we, and our children, are not a burden to others.
The rest is your personal choice. Make your own and make the world a far more interesting place.
JL Collins”
So much respect for Thea for being so transparent. I only save 30-40% of my income dahil ang laki tlga ng housing costs at cost of living dito sa US. Up to 65% is a feat. not everything needs to be a financial choice, some are lifestyle choices. My dog is big drain in my bank account but I love her to bits so it doesn’t matter. 😍
Iba lifestyle mo samin na regular salary employees, but I salute you po. Sobrang insightful. Kahit naman na marami kang gastos po, kita naman po na every peso has a designated place s budget po at hindi wasted sa walang kwentang spending. Ngttrack din po ako ng spending and budget, hopefully one day I'll reach this level as well. Thank you po s pag share.
Grabe Ms Thea you so kind! Giving this tips for free during this pandemic,nakaka tanggal ng stress. Atleast ppl like me will understand the how demanding & hard the world of an independent ppl like you. Ipon now bukod soon!! Haha
Hi Thea, Video idea suggestion. Reaction dun sa 37k 1st job starting pay issue ng Atenista. Atenista ako at CS pa pero dahil di naman ako nagperform well sa school nahiya akong "ibenta" yung sarili ko. Napressure din ako na sa batch ko April na wala pa akong job offer samantalang yung mga batch mate ko Feb may job offers na. So yung unang job na naghire sa akin pinatos ko na. People said I sold myself short at di ko tinake advantage yung pangalan ng university ko. Pero the fact na 3wks after graduation may work na ako feeling ko advantage na agad yun. 10yrs na naman ako nagwowork. Pero gusto ko lang ng objective opinion on how you should sell yourself as a fresh grad.
Same here. BS Org from the same school and didn’t really excel academically. After grad, tinanggap ko yung pinakaunang nag-offer sa’kin lol di ko rin alam kung paano ibenta sarili ko at that time. Ang inisip ko na lang nun is, I need to join the workforce ASAP. Itong topic na ‘to will be beneficial to both fresh graduates and those jumping ship looking for better opportunities :)
I am a professional too (CPA), pero my sole source of income is only my salary. Tips po sana on other work or services that could help me earn more? And on selling yourself din sa mismong corporate jobs? Wala rin kasi akong masyadong exposure sa mga ganito kaya i really love your channel. I think you are few years senior to me or same age lang, pero you are really successful on what you are doing, and I am inspired by that. Thank you Thea
Try nyo po freelancing jobs check upwork or OLJ.
Hi! try freelancing work. I have full time job at the same time freelance work outside 🙂
try having part time job. we are hiring! :)
@@KateLamsen interested!
@@KateLamsen howw
Gusto ko sanang magcomment na marami kang gasto then I realized oo nga pala sobrang taas na ng cost of living sa pinas. Nung umuwi ako last yr from SG yung expenses ko for 2 wks regular expense ko sa SG for 2wks.
Btw thanks for the breakdown nakaka inspire magreview ng expenses
Huhu ang mahal talaga sa pinas. 😭
I like this breakdown of monthly expenses. Medyo malaki nga kahit separated pa yung one-time and advance expenses, but true din na you're not as extravagant in spending as others. Mahal lang talaga expenses. Lalo pa siguro pag may family na.
Also your sharing is so good, I really love how comprehensive your report is. I learned a lot, and I agree not to scrimp on love funds!! Hope your aunt is ok. I guess another realization I learned is that living with another income-generating person would also help a lot.
I enjoyed watching this as well as reading the comments. Grabe yung breakdown ng expenses, down to every bit of small expenses. Kaniya-kaniya lang - some may live comfortably spending quite a lot, some may not have to spend this much, but this teaches us to be mindful of every single expense we make each day, every month.
Hi, I've been binge watching your videos while working at night. I'm at my 40's and it's not too to apply those tips you are sharing in this channel. I'm researching about buying a condo and a car too, and hindi madali magdecide, ayaw ko magmadali. But hearing your tips is a big help (hindi ko makukuha ang ganitong knowledge/tips sa kung sino-sinu na lang) . I will keep an eye on your next video.Thank you😊
Dahil sa vid na to narealize ko na hindi pa ako mag mmove out of my parents anytime soon🤣
If wala pang need mag move out, i suggest stay w parents and ipunin nalang muna money ☺️
Same here.. its time to scratch the idea for now haha
Same!!!!😂😂😂 Baka mag end up uuwi din ako sa parents for food 😂😂😂
speechless. interesting din pala yung ganito, binilisan ko lang yung video. grabe din income niya kung sabihin natin nakakapag-save siya 30-50%
sabi niya, she saves 60-65% so sobrang laki talaga.
@@nur-aima sana ol🥺
Her base salary ata is six figures na, then she has other sources of income pa. Thea is set for life. 🥲
Also sa lagay na anlaki ng income niya, napakasinop niya pa rin sa pera. It takes discipline...
Thank you for sharing Ms Thea, super detailed! Nakakatuwa na nakakapagsave ka pa din kahit mataas ang expenses. Ang galing Ms Thea. Nakakainspire na galingan pa maghustle to live a comfortable life. Salute!
I've been watching you na simula pa nung focused on beauty pa yung channel mo and feel ko sobrang matutuwa yung past self mo na you scored 4 high end products for just 6k tapos may voucher ka pa 😂 thanks for another informative video! Nakakatuwa na ang organized ng expenses mo and nalilista mo talaga ❤
As a healthcare worker, napakaimpossible para sakin na magkaroon ng ganyang lifestyle lalo na ang average sahod namin sa hospital ay 8k-13k a month lolz
True sis hehe but then shes just sharing her personal expenses anyway 😅 like buying her luho, charities and everything
@@tipidkuryente6960 I’m just sharing my thoughts din po hehe. Cruel reality na sobrang underpaid ng mga healthcare workers dito sa Pilipinas compared sa mga nasa corporate world. No wonder bakit sobrang dami nagaabroad
So truuuuue. I'm a healthcare worker too!
I just started watching your videos this week. At gusto ko yung straight to the point at wala masyadong distracting sound effects. And very detailed and informative etong episode na to
ms. theaaaa! just want to let you know po na i'm very excited na i-apply lahat ng tinuturo niyo sa channel. sobrang nagaganahan pa po ako mag-strive for my career growth kahit na freshman pa lang po sa college. thank you so much ms. thea! i truly appreciate your brain, beauty and wisdom. less na din expenses ko in hoarding kasi who buys so much and doesn't even use it? (guilty of this 😔✋). thank you po talaga. hoping for your channel to reach more filipinos who are in need of financial literacy at a more digestable way. labyuuuu po and always keep safe ❤
This is goals.👌🏼 But reality, not for everybody.🥺
Wow!! ang galing! Actually, I costumized yung excel that you posted according to my need. Ang inaaral ko palang is to budget for the year. And this gave me a perspective why you really need to budget for a year. Ang ginagawa ko lang kasi is nagbabudget before an activity. That is easier. Pero grabe very challenging din mag budget ng for buong year. and yet di kasing laki ng budget ko ang binabudget mo hehe..
Finally!!!!! 😫😫 Kapag pagsasabihan ako ng family ko na anlaki na naman ng gasto ko, sagot ko lang "I worked hard to live a comfortable life so let me be" Hindi din ako pala luxury more on comfy life lang talaga
I live alone for almost 5 years now (international flight attendant based in middle east) and sobrang hirap talaga mag adulting but at the same time sobrang nakakaenjoy.
I love tracking my expenses para naman makita san ko nagagastos ang pera ko but I don’t pressure myself kasi the more na naghihigpit ka sa pera mas lalo kang hindi nakakasave 😉
I tried to cook home food as much as possible or even prep meal para makasave. I limit ordering food online kahit sobrang tempting.
I rarely go out only when I do grocery and I bought a coffee machine para no more buying super expensive coffee outside lol.
I’m now trying to build my emergency fund good for 6months after that save ulit lol.
👀wow 👀 laki ng monthly expenses but still living below your means, Ms Thea - having around 60% in savings and investment. The amount of income matters and it is a big factor but creating our own financial system is a great start and absolutely a game changer.
You are an adult if you have a spare notebook to write down all your expenses and an app to counter check. Hahahah!! ❤️
Wow! Nakakalula talaga pag namulat ka sa realidad. Thank you po pala sa mga tips at ideas. Marami akong natutunan dito. Worth it talaga ang oras na magugol sa panonood. Keep it up po. Tsaka make more videos pa po!Love lots 💗
as a single mom ang dami ko natututunan sa vlog mo as in ang dami ko palaging realizations, then I saw your monthly expense and I realized na walang mayaman at walang taong mahirap. Depende yun sa pagbbudget. Me as a single mom I notice na halos same lang kami ng way ng budgeting ang pinagkaiba lang is iba yung lifestyle nya sa akin. I'm not sure if naparating ko ba yung point ko pero Kudos talaga sa mga vlogs mo ang dami ko natutunan.
Ano naman pake ng iba dyan kung ganyan sya maghandle ng pera nya eh lahat naman yan pinagtrabahuhan ni ate. Gusto nya lang ng comfortable living, may ipon din naman siya na kahit gumastos siya ng malaki eh nakakapagsave naman siya mas malaki pa sa gastos nya hahaha. Anyways wag na kayo mainggit mag work nalang kayo sa sarili nyo para maging better din kayo inggit lang yan guys HAHAHA. Kalma lang kayo 🤣
Today is my birthday and I considered this vid as a gift. Thank you, Ms. Thea 😍🥰
Happy birthday girl. Hope Thea can notice so she can greet you too
Thank you so much 🥰
Happy happy birthday!! ❤️
Thank you so much, Ms. Thea 🥰 loves a lot.
I'm amazed at how detailed ur budgeting is. Priscilla Almeda younger version 🙂
Ayun....priscilla almeda. Lagi kong iniisip ung name ng kamukha nya. 🤣🤣
@@sinnedaehr you're welcome LOL
Hahaha ang dami ngang nagsasabi nyan 😂
@@TheaSyBautista 😃😃
Nakakainggit yong monthly budget, kelan kaya ako makakaexperience ng ganito kalaki. Sana all malaki sahod. Gusto ko rin ng ganitong comfortable life.
Hi! Can you tell us more about the credit score review? I'm curious about it. I feel like isa siya sa mga dapat alamin ng tao. Hope you read this. Thanks a lot! :)
Kami bumibili kami sa labas ng food sa carenderia. Pero talagang nakakatipid ka sa food expenditure mo kapag may stocks ka ng lulutuin. Yung stock na di mo uubusin sa dalawang cut off.
Hi Thea, thank you so much for sharing this kind of content. I started using your Budget Planner Template this May. Although starting palang, nakikita ko na agad kung anong position ko in terms of finances. ☺️☺️ Looking forward for more tita talks. 😘
Aww glad to have helped!! ☺️🥰
HI Thea! Hope you can also give a quick guide on how to register your small business (mostly for online businesses) and all the processes/expenses involved. Thank you!
Hi! Yung business expense ko po is registered as professional self employed. Not po as dti business
Ms Theaa, tips po on how to find an affordable condo. Been looking for one po kasi nahihirapan talaga ako. 🥺
Grabi ang mahal talaga sa pinas...When I was living there sa Sa Shaw Residenza sa Ortigas for 2 bedroom duplicate condo I spent 55k plus almost 10k electricity 1month..hindi pa yan 24hrs yung Aircon nmin at wla pang proper kitchen...When I move here in KL tumira kmi sa condotel with complete aminities at yung condo fully furnished with complete kitchen apliances...yung rent nmin dito 40k lng at electricity nmin 24hrs aircon nasa 6k lng...
New subscriber here! Such a great content to watch while taking a break from vlogs about politics, ootd haul, etc.
Thank you Ms.Thea nag eenjoy talaga ako manuod ng vlog mo, very knowledgeable lalo na nag struggle ako sa pag handle ng mga expense.
Para akong nanonood ng profit and loss report 😄 Love it!❤️
Super love ko mga budget breakdowns mo!! 💕💕
super love that you broke it down in detail! guess i will have to save some more to be able to move out.
Your make up looks GREAT! Love that it's from Zalora!
Gusto kita maging respondent sa income and expenditure survey namin hahaha. Hindi mahihirapan ang enumerator magsagot ng questionnaire. Very detailed at naka categorize na ang expenses. Sana all. Hahahahah
Woah, your budget is so precise
Your budget planner is really helpful! Can you possibly link a monthly budget with actual spending on the template? I'd like to see how you do it. Thank you :)
I am so amazed by how responsible you are Thea. I really love your personal finance videos.
Huhu galing mo talaga Thea in expenses and time management. ❤️
Ganitong-ganito din ako dati. Bawat sentimo nakalista pero eventually mas nangibabaw yung pagiging tamad ko hahaha. Alam ko na din kasi magkano expense namin sa bahay for the whole month kaya set aside kagad yung savings then check nalang yung mga sosobra pa.
Goals: Maging as Tita as Ms. Thea 🤞🏻💰
I really love your video, and I immediately clicked the subscribe button... I think there isn't anything wrong with being too meticulous with out finances... I am like that too and you are completely right, game-changer siya ~!!! God bless po Ma'am and looking forward to more videos from you :)
With regards po sa books, did you buy po ba second hand? When I was in HS and elementary madalas po ako sa library or manghiram sa classmate (syempre isosoli 😆). May public libraries pa din naman po mga municipalities (like sa QC and Manila). So para makatipid sa physical books (without pirating), pwede libraries, hiram sa friend/family.
Scribd subscription is sulit if talagang gamit na gamit per month.
If totoong ayaw gumastos ayun, piracy 😅 madaming free audiobooks and free pdf books.
Nagsusulat kasi ako ng kung anu ano sa books hahaha but i agree mas sulit scribd pag madami kang titles na natatapos per month ☺️ Prefer ko lang tho interface ng audible pati mas accurate sya sa pag pick up
Feeling ko malayong pinsan ko si Ate Thea eh 😅 char hahaha.
Helfpul vids para sa mga mahihirapan mag budget at gusto mag budget 😊
The way you shyly smiled when you said ang ganda ng make up mo.. cute!!! Hahahaha! 🥰
Thank you Thea! Super fun and easy to work with!!! Binge watching your new videos now!! 💖 Kilig may shoutout pa ako! Hehehe 💖💖
My monthly expenses
Electricity- 2500
Water-300
Internet-1800
Netflix- 450
Grocery/market-20,000
Tuition fee fund-10,000
Emergency fund-3000
Transpo{Grab, etc)-4000
Medical(parents lab.supplies) 3000
Usually around 40k ang expenses namin
My gosh, almost 100k per month? I've decided. Ayoko pang bumukod. Jusko. 😱
Half lang nyan average monthly coz may advanced at one time expenses sya na kinonsider. But true, adulting life na nakabukod is expensive 😅
Hi Ms Thea! Pwede po bang mag request ng content regarding sa suggested banks ninyo for OFWs? Thank you po! :)
Earning around 650k a month (gross of tax) pero I also spends like 250k a month (mostly consist of fixed expenses like condo amortizations and car amortizations), so I also saves like 200k a month (ang taas kasi ng tax). Will be done paying my 2 condos and 2 car amortizations in 2022 so hopefully I’ll be able to increase my savings starting 2023.
ang listahan ko lng ay
house rent 10k
water bill 200
telephone bill 3k
electricity 1k
the rest puro savings na
food 10k
I tried to budget and list down my expenses fortnightly tinigil ko na, nakakadismaya thatvi always go beyond the budget and laging may biglaang Expenses. So wag na magplano 🤣
Guys, don't worry about living on your own. I think Thea's spending is way above the spending of an average Filipino. Just always make sure to spend within your budget. Otherwise, walang sense ang pagba-budget.
Damn, 95k for a month😐 Yung electricity talaga, di kayang tipirin. Sobrang init.
puwede pa. karamihan kasi hindi alam na puwede hinaan aircon. set electric fan speed yung usual speed ng walang ac. then, set aircon temp to comfortable level.
Sana soon gnyn dn maging budget ko ☺️☺️☺️☺️
@Cyvel Orpiada dapat mayroon o naka-on ang electric fan po, yung fan speed na ginagamit niyo kung walang ac. Tapos pipiliin niyo po yung DRY mode o Dehumidifer mode sa AC. Kung wala, set lang kayo ng temperature na sakto sa inyo, ang importante naka on ang electric fan.
ate! ano po brand ng vitamin b complex plus na iniinom mo? :)
...thanks for sharing :)... your advice so helpful ...so clearly explained
another informative video. Yay. Again, thank you!!!
since i have been investing and working with Morley Percy i have made so much and i think i will retire on time. she is very good at this
yes, i have heard so much about Morley Percy. i have even seen her on the web, her reviews are good
Knowledge is the greatest commodity. Investing is the quickest path to financial freedom
I have seen her on the web. She’s very good at what she do.
Well. I don’t think anyone should be told about investing anymore. This has become a lucrative way to survive
Thank you all for sharing. I have been looking for how to get a reliable professional
Ms. Thea na-try niyo po ba meal plans baka mabawasan din gastusin niyo sa food. I'm taking one rn 5k plus lang per month although wala for weekdays lang siya.
This is proof that Parkinson's Law also applies to budgeting. “Expenses expand so as to fill the income available for it to be paid.” If your income is P100,000 a month, you will spend more or less a 100k a month. If your income is P10,000 a month, you will spend more or less a 10k a month. We spend based on how much money we have, and when it starts to get out of budget, we start to make Choices and Tradeoffs to fit the money available on our pockets. Kaya delikado magka Credit Card. It gives you the false belief that card limit is actually income. Then when you get deeply trapped makikinig ka na kay Dave Ramsey :D
eto ung content na ayoko panoorin pero alam ko dapat kong panoorin dahil sobrang daming matutunan and marerealize with my spendings hehe.. thank you ms Thea for your adulting videos =) stay safe
Thank you for this! Inspired to remake this ms. Thea. Where did you get your credit score review?
Same question.
❤️ always a wonderful experience watching your video thea! sensible and worth my time.
Si Ms. Thea yung friend na need mo in life para patinuin ka sa impulsive buys mo hahaha 🤣🤣 (me na kakabili lang ng shoes hay haha)
Thank you for the tips and the very detailed list of expenses.Someday I'll be able to spend like you! I now have a better idea of how much I should earn to have the lifestyle that I want.
I'm amazed with how you handle it all on your own. Nalalakihan kayo sa monthly expense nya? Imagine gaano kalaki investment port nya since She's able to set aside 60% of her income on investments. Very inspiring. Ang galing! ❤️
Madaming resources walang problemang mamaluktot 😅
Cost of living can accommodate her earnings 😂 or the other way around. Hihi
Thank you for sharing Ms. Thea!! Very useful and eye-opening! :D
Feeling ko ang hirap hirap namin HAHAHAHA. Lovin’the vibes Ate. Relationship and love related talks naman hehe 😊
swiftie spotted ✨✨✨✨
Yassss ✨
Subscribed! 😂♥️
YASSS
Oh nice personal expenses pano kaya pag breadwinner no? As in family of four any tipsss? 😊
oh gosh nakakainspire ka, Ms. Thea 🥺🥺🥺
Sobrang goals! 💖
ilike this vlogger . Bukod sa Fluent xa mag salita, walang meme's na sinisingit...
Thank u for this Ms.Thea.
Its true po talaga, kapag tumataas ang salary, mataas din ang expenses. #TitaLife
I love you, Thea! ♥️
looking forward sa new intro and other branding materials mo, Ms. Thea! :)
Great Video Ms Thea! Very detailed. Thank you☺️
Hello po Ms. Thea, pwede po ba kayong content kung pano ichecheck yung credit score? Salamat po.
Creditinfo.gov
Ang swerte ni Thea haha nung bata kami tig 1 box (12pcs) lang kami ng ate ko ng chuckie, 1 pack of yakult (5pcs) and tig 4 pieces of 5 kinds of snacks then pang 1 month na yun. We're a middle class family pero talagang sinanay kami ng mom ko na matuto mapatagal namin ang snacks haha
parang sari sari store nung nakita ko hehe. sa america pantry sa pinas sari sari store
We couldnt even afford chuckie noon. Pero lagi kami may Milo (mas cost effective kase pwede bawasan yung powder haha). Tapos yung mocha cake na dome shape snack yung pinapabaon samin non.. laging pandan flavor. Eh as an 8 yr old ayoko ng pandan 🙄 pero no choice ka haha
@@sophiacadiz8016 Haha buti nalang puro chocolate samin dahil ayoko din ng pandan 😅
Ms Thea, Anong tawag sa subscription mo sa Credit Score para sa Philippines? Thank you for responding in advance. God bless to your channel.
Cibi po yung company ☺️
@@TheaSyBautista, Maraming Salamat po. God bless po 🙂
Can you do a condo tour sa new place mo? Parang ang cute kasi looking from the background. Please? Hehe thank you!
Thank you for sharing, ang hirap pala magBudget kapag nakaBukod....
Yes ang gastos. Kung nakatira parin ako sa parents ko baka less than 20k a month lang 😅
Fave ko yang 7 habits Ms. Thea!!!!! The best 💯💯💯
Hello po! Sobrang thankful po ako sa mga videos mo po! Very informative and I like your videos too. watching from Bansalan, Davao del Sur ❣️
yay ur a swiftie! Thank you for doing this kind of videos, nakakanormal sya.