In a world full of beauty videos, makeup and shopping hauls, this is a refreshing one. Walang masama sa makeup and shopping, but we also need to hear and learn this kind of things.😊👏
My first legit job was high paying. Nagsplurge talaga ako sa dining out, I tried lots of hyped restos and food parks kasi I never got to try those as I was broke nung college. Also, I was in the cinema a lot then coffee shop after. Presently, I changed careers and my compensation is significantly lower than my first job but I get to save so much more because I cut off all unnecessary expenses. Suggestion for next video best purchases/investment in your 20s.😊
Ok lang yun, at least you got to experience what you didn't during college, reward kumbaga, di mo naman alam kung hanggang kelan ka mabubuhay so gawin na ang mga gustong gawin.
Memeh Shannon That’s the ideal scenario. However, there are instances when that’s not necessarily the case. For instance, I chose to change my career because although I had a competitive salary from my previous job, I didn’t see it as sustainable in the long run (i.e contract-based job). I had to accept a lower compensation for my next job because I had zero experience in that field but it was sustainable. The career change and the salary reduction was stressful but it did not take long for me to get a salary raise as I got more intentional with my professional growth.
marina marina hi it’s better to have life insurance kahit anong agae hut better while you’re still young coz you don’t know what will happen. (Accident happens everyday) so better insured kana! Get an insurance plan where you can save up. I started mine this year almost 4months na ako nagbabayad nang 73$ iba pa life insurance sa work..
Thea Sy Bautista yey! Coz not all can afford to get an insurance in their early 20s (20-25). Im 22 and im still the only one between my friends who got insured.
Super helpful, Ate Thea! Always a fan of your contents. ♥️ Can we request po na you tackle next about sa mga legit and good short/medium/long term investments na tried and tested mo na po? Thank you and more power! 😍
Im 22 yrs old. And watching this video is an eye opener for me. Sapul kagad ako sa number 1. Nagsa-suffer ang aking savings dahil mas nauuna ang paglelend ng money sa mga relatives and friends. And it's very hard to say no. But thanks for the advice! I'll always remember it. Lend the money that I want to let go.
Natuto rin ako from my last contract (I work as seafarer kaya may contract). Sa first contract ko sobrang laki ng bonus ko andami ko binili. sa 2nd ko, nilagay ko agad sa saving account ko at nagset aside lang ako ng 10% para sa sarili ko. Then coronavirus came. Laki na sana ng ipon ko pero thankful padin ako na naitabi ko yun dahil sobrang laking tulong ngayon sa sitwasyon ko.
I'm in my end of 20's and I'm still learning to finance my money. Before spending money, I think about it first if do I really need it. I used to splurge a lot on material things because I see others doing the same thing but then I learned that I do not really need them. Also material things add too much clutter in my place so I always do mindfull shopping.
Hi Ms. Thea! Ang galing mo dito sa video nato. For a way beyond 20's like me, this is, simply put, everything was well said and realization kicks in, continously!!! Hahaha! Galing!
You're so excited about getting that "First" Job out of College, you forget that you're doing a new form of "Adult Education" so to speak. You have to learn to Budget, you can't always Party on a Work Night, "Stop" Paying The Tab at a Restaurant. You're so right on about "Lending" Money, I found that out The Hard Way and My Cousin who "owed" me got all nasty, and shady amongst other things he was very embarrassed and ashamed because he knew he "owed" and didn't want to face up to it. He did alot of folks dirty and now he's got a very bad rep. The Borrower Is "Slave" To The Lender, or as Shakespeare said in Hamlet "Never A Borrower Nor A Lender Be". Also if you live on your own you have to Pay Rent on time and your Landlord/Landlady isn't your Parent. Use an Excel Spreadsheet or a Budgeting App. Also use an Agenda to know exactly when the Bills are due.
Superrr love this content andami ko natutunan huhu thank you sooo much Ate Thea 💕💕💕 very timely nung pag-post nung video esp may crisis ako ngayon on how I spend my salary on unnecessary things so di ko nako-control yung pera ko. ☹️
Thank you Thea, new subscriber here and I alwaaaays have a hard time in saving and maintaining my money inspite of having multiple rakets and full time work. Thank you so much for your tips 😍🤗
Content summary para sa mga nagmamadali: 1. Lending Money 2. Lifestyle Inflation 3. Basing My Success On Others 4. Spending Money In Advance 5. Treating Bonuses As Rewards 6. Buying Things I Could Not Afford 7. Savings Account Same with Payroll and Checking 8. No Long/Medium Term Plans
1.True to that, success has different definition to each and everyone of us. 2. You are yet to mature if you always compare yourself to others to show your success (like i will buy that shoes, that clothes, that bag etc to be in or to show that you can afford it or to show off. 3. You are yet to mature if all that matters to you are material things or you are too focus on buying things that is trendy or in, like updating your phone everytime there is a new release when actually it is not needed. 4. It is okay to treat yourself ONCE in a WHILE but buying excessively is not healthy at all. 5. Live life to the fullest, but it doesn't mean that you need to have all the materials things that you want, that is already "LUST and GREEDINESS". Later on, your possesions begin to possess you until you end up loosing all your money, forgetting that there is more to life than material things.
Let me share my experience also: -Buying affordable items na hindi kelangan. -PAGKAIN HAHAHA (fastfood, resturant.) -Napakagenerous sa friends or anyone. Thankyou😘
@Isaac I think around 25-28. And ang dami mong matutunan sa kanya pero she's still so young. It's really impressive. I always listen to her advice napakahelpful. Hindi pa siya pabebe o puro pacute unlike other vloggers na kaedad niya walang sense mga videos o lagi lang tungkol sa kanila pero wala kang natututunan. Ms.Thea is a wholesome youtuber :)
I'm so scared of losing my money because I know what it feels like to be super broke when I was younger hanggang magcollege ako. I became selfish and super kuripot. Tapos everything na bibilhin ko, inabot ng days to weeks para i-decide kung worth ba bilhin. I was also exposed sa mga alta alta at sosyal na friends, medyo nakipagsabayan din ako dahil kaya ko naman but at the end of the day nagsisisi ako ksi ndi naman talaga yun yung lifestyle ko. Maghihirap ako eventually pag ganon araw araw. Nasa mind talaga kung paano i-discipline yung mindset mo pagdating sa pera. I love your vid! Thank you for reminding me na ndi lang ako yung ganito mag-isip. 💗💗💗 for now I am stuck naman and really deciding where to invest my other savings sa preference na gusto ko. ☺
My priority back then is traveling while most friends collect shoes and clothes. I look homeless AF pero OK lng kasi I don't feel the need para bumili ng branded stuff. Hahaha
1. Lending money 2. Lifestyle Inflation 3. Basing my success on others 4. Spending money in advance 5. Treating bonuses as rewards 6. Buying things I could not afford 7. No long/medium term plans I should've seen this video a long time ago! Will definitely share this to my little brother who've just graduated this year and my pamangkins for their info. Thank you very much, Ms. Thea
My priority in my 20s is to travel and enjoy my 20s and now I am more focus into paying all my debts and be smart in handling money 💸💰😅 I sometimes felt that I should've saved more than travel more but then again all the experiences from my travel is so precious 😍
Sobrang natamaan ako dun sa basing success on others. Kaya nga d nako nag oopen ng facebook kase d ko talaga maiwasan na maingit, lalo na pag ung mga kakilala ko eh dami nang achievements tas ako para g walang nangyayari sa buhay ko. nakakapressure.
totoo to! it’s so toxic that it puts tons of pressure on me as well. My mom even gets jealous at some of her friends etc and ang effect sakin i feel like a failure. 😣
Ako... Na experience ko na din yung nagpautang ako sa akala ko makakabayad sakin. Actually! 500 pesos lang namN siya 1000 pinakamalaki. Pero kahit na! Para sakin kasi bawat piso na napupunta sakin eh napakahalaga sakin. Kasi andun yung hardwork ko eh. Pinaghirapan ko yun. Tintingnan ko din yung sense of responsibility nung tao sa pinagkakautangan niya But im not crashing my whole world because of that! Not gonna happen. Im just relating myself to this video that i learn a lesson not to lend money.
It's really an eye opener for me! I'm 19 years old na and this is my first job. Its really hard na mag ipon lalo na fresh grad ka then maliit pa yung sahod mo. I'm taking notes sa lahat ng advices mo! I will put it in my journal para lagi ko silang makikita. Thank you very much!
Hi! So true about not opting for installment. I’d liketo debunk the misconception about 0% interest marketing. What 0% interest actually means is there is no interest STATED. Because it is only IMPLIED, which means nakasama na sya sa binabayaran mo every due date. Pag tinotal mo lahat ng babayaran mo, mas mahal sya. So its better to be patient nalang and save for it. Perks nun, magkakapag-isip ka pa if you really need that thing.
Be very careful when you say it like this, hindi talaga included ang interest sa mga 0% interest-installments. Kapag nakakita ka ng 0% installment at yung total amount ng lahat ng payments mo ay mas mahal sa SRP, pwede mo kasuhan yung store. The real pitfall of 0% interest-installments is the person being irresponsible of how he/she handles his/her money at hand. "Ah mababa lang monthly, kaya ko pa bumili ng other stuff". Missed a payment? Madadale ka sa interest ng bank dahil may outstanding balance ka. I agree with your 1-time payment mindset, I do it too, pero there are things that are impossible to pay outright (i.e. 6 digit necessities). Pay on time -> skip bank interests -> build your credit standing for being a good payer -> be happy :D
Nikkol John Morales hi! Thanks for pointing it out :) But could you clarify it more to me with examples? And possibly the basis kung ano ikakaso ko sa store? Coz I’ve seen a payment schedule of an installment-based motorcycle and yes, mas malaki yung total payments via installment kesa sa cash price nya. And my CPA profs has told us many times that 0% is just marketing pero in reality, may interest talaga ang installment payments. So I’d be happy to discuss it more with you para naman ma-educate natin ang ibang viewers dito on that topic. Thank you 🤗
@@maryannviccortes1766 Hi, I have to apologize, I made that statement without further research, pero for sure may pwede ka i-kaso sa store under the grounds of misleading information or deception if ang sabi nila 0% interest pero mas mataas ang sum of payments mo sa SRP 😅 As for vehicle purchases, as much as I know, very rare ang 0% interest sa in-house financing (impossible if bank loan). Almost all the time may interest yun, and dapat ineexplain ng maigi sa buyer. Most people fall for low monthly payments, and dealers use that as leverage para makakuha ng buyer agad, they skip explaining interest rates. Di pa ako nakakita ng "0% interest" sa vehicle purchases, it's either a really good find or there is a twist somewhere along the way. For example, 5 years to pay pero 3 years lang dun yung 0% interest, that's a perfect example of what you said na marketing strategy. "0% interest" tapos may sobrang liit na fine print "for x years only". If hindi yan naexplain sa buyer, intentionally, at wala sa kahit anong pinirmahan ni buyer, then that's where pwede mag file ng case (again di ko pa alam specific cases, sorry T.T) because naloko ang buyer into something that he/she didn't sign up for. I hope na-explain ko ng maayos.
Based on mga credit card 0% interest. Talagang 0% interest sya. Same ang total mo at the end. They are banking on the fact na gumastos ka kasi afford mo to buy in smaller amount. Parang they're pushing you to buy something you can't afford yet. Buy now than later yung idea. Also, they're hoping you miss your payments so they'll charge you the interest sa card. Pero if you don't miss any payments. It's 0%. Sa mga auto installment never pako rinig ng 0% interest. Usually they give you all the sample computations upfront basahin mo nalang.
tama ka sa pautang, dapat hindi malalaking pero pinapautang para hindi masakit ang loss hahaha, ako nga ayoko ng nagpapautang, pag may nangutang sa akin maliliit lang binibigay ko para pag di naman na bayaran agad o di na bayaran, hayaan nalang. atsaka yang sa phone na yan, nako guilty din ako jan dati, dapat latest dapat sabay sa uso kasi mahilig talaga ako sa technology pero nung tumanda na ako na realize ko ok lang naman pala di sumabay sa uso, basta okay pa ang phone and still working pwedeng di palitan agad hahaha
Thank you so much for this!! Sobrang nakarelate ako dito. Lahat ata nagawa ko and mooore. Maybe I could add simple tip sa mga nagsstart pa lang magwork or magsave, please llease please build your emergency fund first before investing sa car or house kung sakto lang meron kayo. Kasi you'll never know pag bigla may emergency (illness, accident, job loss, dearh, etc). Atleast may makukuhanan kayo if ever may mangyari.
You deserve a lot more subscribers!!! Grabe the best! Sobrang dami ko talaga natutunan sa’yo ate. Still a student but this is really helpful as I spend so much money on online shopping and concerts hahaha
I recently turned 20 and I totally relate with the points you mentioned. My allowance increased as well as college stress. My coping habits became really expensive. Goin to restos, buying expensive unnecessary things, and watch movies. My savings got stuck for a year, but Im doing something now 😊 thank you ate for telling me Im at the right track
I love your content interesting at bigay ko yan about money I have a lot of learn subscribe ako SAYO ha? Nag iinjoy ako sa explanation mo thank you for sharing with us and God bless you
Same money mistakes i did in my 20s and now im turning 30 next year hopefully ma revamp ko yung finances ko. mostly nag splurge ako on travelling but no regrets at all! Still one of the best experience during your 20s! I recommend to read a lot of financial books it will help you motivate to reach your goals! Sana more on adulting videos pa magawa mo thea! Great job on this topic!
Super helpful nito ms. Thea sa katulad kong pag na bored lang add to cart agad sa shopee char! 😂 but this one is really helpful how to spend money wisely since i’m on my 20th thank you so much for this ms. thea! 😊
Hello Maam Thea, I'm very happy to watch ALMOST ALL YOUR VIDEOS. NAKAKA INSPIRED LAHAT NG REAL TALKS MO. I'm OFW , GANDA ng output pag ma guide tayo . Salamat. Long way to go on my savings and investment .
So helpful Miss Thea! 😍 subcriber mo na ako nung 200 subscriber pa yung subs mo. Kasi I know na madami akong matutunan sa channel mo. Channel mo lang ang pinindot ko ng ring bell button hahahaha. From Davao City here. Small RUclipsr here
So glad I found this video right now that I am currently on my early 20s. 🥺💗 Sobrang laking tulong kasi nag hahanap talaga ako ng ways on how I should spend my income wisely. Ayoko din kasi tumanda na nagwowork sa industry 😅
Thank you sis!!! Watched few of your videos while doing some research about GInvest and learned a lot from it. Hindi lang GInvest ang natutunan ko while watching your videos. Dami ko natutunan like on ways pano magtipid, on what digital savings app should I use etc. Mas napush ako mag invest, magsave, at magisip ng mga bagay bagay na maggrow ako and my money long term. Thankssss and more power. Be safe, always ❤
Grabe. Guilty ako sa lahat lalo sa bonus. I've been working for almost 5yrs na and everytime na iisipin ko yung bonuses ko di ko na alam kung nasan na sila now. This lockdown nakapagsave ako and trying to track my expenses monthly (Thanks to Mercury planner) kahit papano, but Lazada keeps on waving - kaya dinelete ko nalang yung app 😂
pwede po magrequest ng video kung paano gumawa ng listahan kung papaano mo matrack ang investments,income, at savings. yung madali lang po intindihin 😊❤️ new subscriber here 😊
Bakit ngayon lang kita nakita?! Kanina pa ko pa ko nagma-marathon. Time check 3:53am, at may pasok pa ko at 8am mamaya. Hindi ako maka stop eh nakakahype yung topics mo haha. Thanks for this. Keep it up! You earned a subscriber 😊
![Tee Grizzley - Blow for Blow (feat. J. Cole) [Official Video]](http://i.ytimg.com/vi/wNLN5xsx5dc/mqdefault.jpg)
In a world full of beauty videos, makeup and shopping hauls, this is a refreshing one.
Walang masama sa makeup and shopping, but we also need to hear and learn this kind of things.😊👏
Thank you!! ♥️
TRUE! I am new fan of Thea's. Kaumay na mga designer stuff haul at mga walang kwentang travel vlogs, hahahaha
HEAR HEAR!!
Truth po ate, more advices and what to avoid
also po college advices
💯💯💯
My first legit job was high paying. Nagsplurge talaga ako sa dining out, I tried lots of hyped restos and food parks kasi I never got to try those as I was broke nung college. Also, I was in the cinema a lot then coffee shop after. Presently, I changed careers and my compensation is significantly lower than my first job but I get to save so much more because I cut off all unnecessary expenses.
Suggestion for next video best purchases/investment in your 20s.😊
Up for this. Been thinking about what investment should I get.
Yes please
Ok lang yun, at least you got to experience what you didn't during college, reward kumbaga, di mo naman alam kung hanggang kelan ka mabubuhay so gawin na ang mga gustong gawin.
Why change careers if your income will be significantly lower? Should we be aiming for a higher income as time progresses?
Memeh Shannon That’s the ideal scenario. However, there are instances when that’s not necessarily the case. For instance, I chose to change my career because although I had a competitive salary from my previous job, I didn’t see it as sustainable in the long run (i.e contract-based job). I had to accept a lower compensation for my next job because I had zero experience in that field but it was sustainable. The career change and the salary reduction was stressful but it did not take long for me to get a salary raise as I got more intentional with my professional growth.
Usapang pera, pagkakamali & pagsisisi na muna tayo today ♥️ Here are my 7 worst money mistakes nung nagsisimula palang ako. Kayo ba what are yours? 🧐
thank you for this pooooo!
Nice video. Please do video about credit card next. Hehe thank you!
make up related naman po sa friday plsss!! Sana meron kana po nung gandoll eyebrow ng vice cosmetics
maganda raw po yung sa mga kapos kilay like youuu
investing without a feasibility! good thing natuto na ako!
Always buying makeup even when I already have a lot 😭
Vid suggestion: what you think about getting an insurance while in the early 20s or just insurance in general ✌🏼
marina marina hi it’s better to have life insurance kahit anong agae hut better while you’re still young coz you don’t know what will happen. (Accident happens everyday) so better insured kana! Get an insurance plan where you can save up. I started mine this year almost 4months na ako nagbabayad nang 73$ iba pa life insurance sa work..
Cha Lopez yes i know, i already have mine din. I just think it will be a great topic din :)
Yes para lahat matuto na in early age ipon and secured na!!
I’ll look into this! Baka pwede ako mag ask ng help sa mga financial advisors talaga 😊
Thea Sy Bautista yey! Coz not all can afford to get an insurance in their early 20s (20-25). Im 22 and im still the only one between my friends who got insured.
Super helpful, Ate Thea! Always a fan of your contents. ♥️ Can we request po na you tackle next about sa mga legit and good short/medium/long term investments na tried and tested mo na po? Thank you and more power! 😍
Yes! This should be the next topic. :)
Sige baka mag ask ako ng help sa professional 👍🏻 ayoko rin maka mislead ng tao haha ♥️
Im 22 yrs old. And watching this video is an eye opener for me. Sapul kagad ako sa number 1. Nagsa-suffer ang aking savings dahil mas nauuna ang paglelend ng money sa mga relatives and friends. And it's very hard to say no. But thanks for the advice! I'll always remember it.
Lend the money that I want to let go.
Natuto rin ako from my last contract (I work as seafarer kaya may contract). Sa first contract ko sobrang laki ng bonus ko andami ko binili. sa 2nd ko, nilagay ko agad sa saving account ko at nagset aside lang ako ng 10% para sa sarili ko. Then coronavirus came. Laki na sana ng ipon ko pero thankful padin ako na naitabi ko yun dahil sobrang laking tulong ngayon sa sitwasyon ko.
I'm in my end of 20's and I'm still learning to finance my money. Before spending money, I think about it first if do I really need it. I used to splurge a lot on material things because I see others doing the same thing but then I learned that I do not really need them. Also material things add too much clutter in my place so I always do mindfull shopping.
I am now 32 years old and I honestly relate with everything that you shared. I will now start on saving and be thrifty.
Do you trade forex??
@@rohemyflaga6284 I do not have idea 😅
Hi Ms. Thea! Ang galing mo dito sa video nato. For a way beyond 20's like me, this is, simply put, everything was well said and realization kicks in, continously!!! Hahaha! Galing!
i really like how your videos are so systemized, precise and on point.
True, in short matutong makuntento sa simpleng bagay😊😊😊😉
Natatawa ako while watching this, kasi sobrang relate. I'll end my 20s this year and yeah I have the same opinion. Good content! Keep it up.
Ate Thea, please make a video about investments and assets for beginners in adulting.
You're so excited about getting that "First" Job out of College, you forget that you're doing a new form of "Adult Education" so to speak. You have to learn to Budget, you can't always Party on a Work Night, "Stop" Paying The Tab at a Restaurant. You're so right on about "Lending" Money, I found that out The Hard Way and My Cousin who "owed" me got all nasty, and shady amongst other things he was very embarrassed and ashamed because he knew he "owed" and didn't want to face up to it. He did alot of folks dirty and now he's got a very bad rep. The Borrower Is "Slave" To The Lender, or as Shakespeare said in Hamlet "Never A Borrower Nor A Lender Be". Also if you live on your own you have to Pay Rent on time and your Landlord/Landlady isn't your Parent. Use an Excel Spreadsheet or a Budgeting App. Also use an Agenda to know exactly when the Bills are due.
the ate i never had 😭 thanks 🙏🏼
yayyy! this is a long time request! thank you Thea for making a video about this! cheers!
Superrr love this content andami ko natutunan huhu thank you sooo much Ate Thea 💕💕💕 very timely nung pag-post nung video esp may crisis ako ngayon on how I spend my salary on unnecessary things so di ko nako-control yung pera ko. ☹️
Really appreciate you making adulting-related vids!!! Thank you for this. 🥰💖
ANG SARAP KASI KUMAEN EH. FASTFOOD EVERYDAY. iiwasan ko na nga manood ng mga mukbang dahil sa mga yan kahit madaling araw napapapunta ako ng McDo. 😝
Next topic suggestion :
- Good and Bad Debts
- Better Investments
- Dead Assets
Yes napapanahon...... it's my wake up call.....thank you po
More adulting videos pleaseee 💚
such a genius collaboration of Kamiseta and Love Marie;) Heset really level up Kamiseta!
More of this!! Sobrang helpful!!
I am glad I watched this.
Thank you Thea, new subscriber here and I alwaaaays have a hard time in saving and maintaining my money inspite of having multiple rakets and full time work. Thank you so much for your tips 😍🤗
unang una pa lang same siz agad huhuhu super true nakaka sira ng sanity mag pa utang
Thank you 🤗
Thank you Miss. I learned a lot today.
you look like karen reyes!!!
So true. Relate much
I can relate had my daughter watch this its very relevant 😊
Huhu! I'm stuck between "I need to save money" and " You only live once 🤦🏽♀️
Maybe find a balance? 😊
Thea Sy Bautista Yes po. Thank you for this ❤️
Or this you only live once so you need to save money?
I'm living for contents like this! You really are the "Ate" I never had.
Awww thank you! ♥️
Same feels
What is ate mean?
@@blackdragon9001 sister
@@charrr7136 oh thx rplying 1 year chat
Video suggestion: investment for 20s? Pang starting young professionals. Very adult na ba? Hehe
Content summary para sa mga nagmamadali:
1. Lending Money
2. Lifestyle Inflation
3. Basing My Success On Others
4. Spending Money In Advance
5. Treating Bonuses As Rewards
6. Buying Things I Could Not Afford
7. Savings Account Same with Payroll and Checking
8. No Long/Medium Term Plans
Germae Anne thank you
Thanks
Thank you!
Super helpful as always!!!
Thank you, Toni!! ♥️
LOVE THIS VIDEO SO MUCHHHHHHH. We need more local content creators who talk about these things instead of buy buy buy buyyy
Ida Anduyan OMG IDA ❤️
1.True to that, success has different definition to each and everyone of us.
2. You are yet to mature if you always compare yourself to others to show your success (like i will buy that shoes, that clothes, that bag etc to be in or to show that you can afford it or to show off.
3. You are yet to mature if all that matters to you are material things or you are too focus on buying things that is trendy or in, like updating your phone everytime there is a new release when actually it is not needed.
4. It is okay to treat yourself ONCE in a WHILE but buying excessively is not healthy at all.
5. Live life to the fullest, but it doesn't mean that you need to have all the materials things that you want, that is already "LUST and GREEDINESS". Later on, your possesions begin to possess you until you end up loosing all your money, forgetting that there is more to life than material things.
Thank you for this Ms. Thea!!! I learned a lot 💯 more tips po for young adults like me and fresh graduates!!
Omo Ate Tyra!😍 Congrats ulit sa graduation mo💖
Thank you, Tyra!!! Congrats sa graduation 👩🎓♥️✨
@Tyra C. care for helping stay forever in my house watch, like,comment and click and I'll do the same in your house
Um guys,who is this girl?
Adulting 101
This topic is like a breath of fresh air from all the beauty vlogs. Maiba naman diba.
Thanks for the tips Ms. Thea.
Enough of clearing the skin and tightening the pores vids. This is what I need right now. Thank you sa videos niyo po. ❤️💕
Nagpapagastos sa akin ng bongga
PAGKAIN
PAGKAIN
PAGKAIN
PAGKAIN
PAGKAIN
😂
Let me share my experience also:
-Buying affordable items na hindi kelangan.
-PAGKAIN HAHAHA (fastfood, resturant.)
-Napakagenerous sa friends or anyone.
Thankyou😘
@@amidasupresencia8508 better na maiwasan na yan..
#2 at #3 talaga ako. 😄😅😂😂😂
Hahaha me too sis lalo na yung fastfoods 🤣
check ako sa tatlo 😔 need to stop this. lol
why is this me???
"Limit your exposure to unrealistic lifestyle." Relate!
Sana next vid about cleanliness sa house/condo. How to maintain it clean, mabango, cooking life, etc 😍😍
Dd Dd agree!
SocMed is just a highlight reel. You wouldn't know what's happening behind those curated posts
I love this video Ate Thea! ❤️
Aww thank you, Ry! ♥️
How old is this girl?
@Isaac I think around 25-28. And ang dami mong matutunan sa kanya pero she's still so young. It's really impressive. I always listen to her advice napakahelpful. Hindi pa siya pabebe o puro pacute unlike other vloggers na kaedad niya walang sense mga videos o lagi lang tungkol sa kanila pero wala kang natututunan. Ms.Thea is a wholesome youtuber :)
I'm so scared of losing my money because I know what it feels like to be super broke when I was younger hanggang magcollege ako. I became selfish and super kuripot. Tapos everything na bibilhin ko, inabot ng days to weeks para i-decide kung worth ba bilhin. I was also exposed sa mga alta alta at sosyal na friends, medyo nakipagsabayan din ako dahil kaya ko naman but at the end of the day nagsisisi ako ksi ndi naman talaga yun yung lifestyle ko. Maghihirap ako eventually pag ganon araw araw. Nasa mind talaga kung paano i-discipline yung mindset mo pagdating sa pera. I love your vid! Thank you for reminding me na ndi lang ako yung ganito mag-isip. 💗💗💗 for now I am stuck naman and really deciding where to invest my other savings sa preference na gusto ko. ☺
Wow ate ganyan ang gusto KO sa babae. Wow talaga
Such a great content! One of the best youtuber i follow :)
I totally agree!
My priority back then is traveling while most friends collect shoes and clothes. I look homeless AF pero OK lng kasi I don't feel the need para bumili ng branded stuff. Hahaha
Love this video!! ❤️
Hazel Quing ateeeee😍
1. Lending money
2. Lifestyle Inflation
3. Basing my success on others
4. Spending money in advance
5. Treating bonuses as rewards
6. Buying things I could not afford
7. No long/medium term plans
I should've seen this video a long time ago! Will definitely share this to my little brother who've just graduated this year and my pamangkins for their info. Thank you very much, Ms. Thea
you got me at "we have different definitions of success." thank you so much for reminding us of this very powerful statement!
My priority in my 20s is to travel and enjoy my 20s and now I am more focus into paying all my debts and be smart in handling money 💸💰😅 I sometimes felt that I should've saved more than travel more but then again all the experiences from my travel is so precious 😍
Sobrang natamaan ako dun sa basing success on others. Kaya nga d nako nag oopen ng facebook kase d ko talaga maiwasan na maingit, lalo na pag ung mga kakilala ko eh dami nang achievements tas ako para g walang nangyayari sa buhay ko. nakakapressure.
totoo to! it’s so toxic that it puts tons of pressure on me as well. My mom even gets jealous at some of her friends etc and ang effect sakin i feel like a failure. 😣
Very nice video. Thanks for sharing this ❤❤👌
Very inspiring po ano
Thank you, MJ ♥️✨
Ako... Na experience ko na din yung nagpautang ako sa akala ko makakabayad sakin. Actually! 500 pesos lang namN siya 1000 pinakamalaki. Pero kahit na! Para sakin kasi bawat piso na napupunta sakin eh napakahalaga sakin. Kasi andun yung hardwork ko eh. Pinaghirapan ko yun. Tintingnan ko din yung sense of responsibility nung tao sa pinagkakautangan niya
But im not crashing my whole world because of that! Not gonna happen.
Im just relating myself to this video that i learn a lesson not to lend money.
It's really an eye opener for me! I'm 19 years old na and this is my first job. Its really hard na mag ipon lalo na fresh grad ka then maliit pa yung sahod mo. I'm taking notes sa lahat ng advices mo! I will put it in my journal para lagi ko silang makikita. Thank you very much!
i super LOOOOOOOVE your videos Thea! :) Hope to meet you one day! Much love! - Ate Martha
Hello ate martha!! Thank you ♥️♥️♥️ Hope to meet you soon din po 😊
Hi! So true about not opting for installment. I’d liketo debunk the misconception about 0% interest marketing.
What 0% interest actually means is there is no interest STATED. Because it is only IMPLIED, which means nakasama na sya sa binabayaran mo every due date. Pag tinotal mo lahat ng babayaran mo, mas mahal sya.
So its better to be patient nalang and save for it. Perks nun, magkakapag-isip ka pa if you really need that thing.
Be very careful when you say it like this, hindi talaga included ang interest sa mga 0% interest-installments. Kapag nakakita ka ng 0% installment at yung total amount ng lahat ng payments mo ay mas mahal sa SRP, pwede mo kasuhan yung store.
The real pitfall of 0% interest-installments is the person being irresponsible of how he/she handles his/her money at hand. "Ah mababa lang monthly, kaya ko pa bumili ng other stuff". Missed a payment? Madadale ka sa interest ng bank dahil may outstanding balance ka. I agree with your 1-time payment mindset, I do it too, pero there are things that are impossible to pay outright (i.e. 6 digit necessities). Pay on time -> skip bank interests -> build your credit standing for being a good payer -> be happy :D
Nikkol John Morales hi! Thanks for pointing it out :)
But could you clarify it more to me with examples? And possibly the basis kung ano ikakaso ko sa store? Coz I’ve seen a payment schedule of an installment-based motorcycle and yes, mas malaki yung total payments via installment kesa sa cash price nya. And my CPA profs has told us many times that 0% is just marketing pero in reality, may interest talaga ang installment payments. So I’d be happy to discuss it more with you para naman ma-educate natin ang ibang viewers dito on that topic. Thank you 🤗
@@maryannviccortes1766 Hi, I have to apologize, I made that statement without further research, pero for sure may pwede ka i-kaso sa store under the grounds of misleading information or deception if ang sabi nila 0% interest pero mas mataas ang sum of payments mo sa SRP 😅
As for vehicle purchases, as much as I know, very rare ang 0% interest sa in-house financing (impossible if bank loan). Almost all the time may interest yun, and dapat ineexplain ng maigi sa buyer. Most people fall for low monthly payments, and dealers use that as leverage para makakuha ng buyer agad, they skip explaining interest rates. Di pa ako nakakita ng "0% interest" sa vehicle purchases, it's either a really good find or there is a twist somewhere along the way. For example, 5 years to pay pero 3 years lang dun yung 0% interest, that's a perfect example of what you said na marketing strategy. "0% interest" tapos may sobrang liit na fine print "for x years only". If hindi yan naexplain sa buyer, intentionally, at wala sa kahit anong pinirmahan ni buyer, then that's where pwede mag file ng case (again di ko pa alam specific cases, sorry T.T) because naloko ang buyer into something that he/she didn't sign up for. I hope na-explain ko ng maayos.
Based on mga credit card 0% interest. Talagang 0% interest sya. Same ang total mo at the end. They are banking on the fact na gumastos ka kasi afford mo to buy in smaller amount. Parang they're pushing you to buy something you can't afford yet. Buy now than later yung idea. Also, they're hoping you miss your payments so they'll charge you the interest sa card. Pero if you don't miss any payments. It's 0%. Sa mga auto installment never pako rinig ng 0% interest. Usually they give you all the sample computations upfront basahin mo nalang.
More of adulting vids pls 😊
Malapit na ako magwork. I really needed this. Thank you, Ateee!! ❤️❤️
The boring clef spindly ask because train ultrasonographically smile except a whole gemini. spiky, neat belief
Babe u dont know how much i needed this thank you!
Anw, dpat 20s po not 20's. Hehe 🤗
Thanks!! Oonga napansin ko lang nung napoint out mo 😊
Cheers! You are so doing great!!! 🤗💞
In modern business English, either will do.
I’m 20 years old and I’m a fresh grad. This is so helpful in planning my future!! Thank you so much 💖
Can't believe I'm in the stage that I watch vids like this. Very helpful, more of this content!!!
tama ka sa pautang, dapat hindi malalaking pero pinapautang para hindi masakit ang loss hahaha, ako nga ayoko ng nagpapautang, pag may nangutang sa akin maliliit lang binibigay ko para pag di naman na bayaran agad o di na bayaran, hayaan nalang. atsaka yang sa phone na yan, nako guilty din ako jan dati, dapat latest dapat sabay sa uso kasi mahilig talaga ako sa technology pero nung tumanda na ako na realize ko ok lang naman pala di sumabay sa uso, basta okay pa ang phone and still working pwedeng di palitan agad hahaha
Thank you so much for this!! Sobrang nakarelate ako dito. Lahat ata nagawa ko and mooore. Maybe I could add simple tip sa mga nagsstart pa lang magwork or magsave, please llease please build your emergency fund first before investing sa car or house kung sakto lang meron kayo. Kasi you'll never know pag bigla may emergency (illness, accident, job loss, dearh, etc). Atleast may makukuhanan kayo if ever may mangyari.
Di ako nakailag!!! HAHAHA
Preach gurl 😍 really love this type of content!
Hi ate! *Curious about ING bank, do you think it is safee? 🤔
It is governed by bsp 😊 and covered sya ng PDIC up to 500K insured same with other traditional banks. Btw 2.5% na pala rate nila 👍🏻
You deserve a lot more subscribers!!! Grabe the best! Sobrang dami ko talaga natutunan sa’yo ate. Still a student but this is really helpful as I spend so much money on online shopping and concerts hahaha
Palagi ko nga nakikita sa ig stories hahaha 😂
I hope I can find a partner with this kind of mentality...Smart is the new sexy...👌👍🌈
I recently turned 20 and I totally relate with the points you mentioned. My allowance increased as well as college stress. My coping habits became really expensive. Goin to restos, buying expensive unnecessary things, and watch movies. My savings got stuck for a year, but Im doing something now 😊 thank you ate for telling me Im at the right track
continue making informative videos like this
I love your content interesting at bigay ko yan about money I have a lot of learn subscribe ako SAYO ha? Nag iinjoy ako sa explanation mo thank you for sharing with us and God bless you
Same money mistakes i did in my 20s and now im turning 30 next year hopefully ma revamp ko yung finances ko. mostly nag splurge ako on travelling but no regrets at all! Still one of the best experience during your 20s! I recommend to read a lot of financial books it will help you motivate to reach your goals! Sana more on adulting videos pa magawa mo thea! Great job on this topic!
Super helpful tip for people who are entering their 20s 😍
So on point Miss Thea. Sobrang nakakarelate ang mga nasa quarter life. 🤭😉
This is so relatable and helpful!!!!! So far di naman ako masyadong spender pero super helpful ng tips poooo :)
hala i love videos like this!!!! budgeting tips next please!!
Love this "Guaranteed na mabubuhay ka in future but hindi guarantee na may pera ka in the Future" Thank you for this.
Super helpful nito ms. Thea sa katulad kong pag na bored lang add to cart agad sa shopee char! 😂 but this one is really helpful how to spend money wisely since i’m on my 20th thank you so much for this ms. thea! 😊
Hello Maam Thea, I'm very happy to watch ALMOST ALL YOUR VIDEOS. NAKAKA INSPIRED LAHAT NG REAL TALKS MO. I'm OFW , GANDA ng output pag ma guide tayo . Salamat. Long way to go on my savings and investment .
Disappointed that suddenly the english turns to be mix of english and filipino so now i am 100% unsure what you say
So helpful Miss Thea! 😍 subcriber mo na ako nung 200 subscriber pa yung subs mo. Kasi I know na madami akong matutunan sa channel mo. Channel mo lang ang pinindot ko ng ring bell button hahahaha. From Davao City here.
Small RUclipsr here
Nakakadala po talagang magpautang! 😭
So glad I found this video right now that I am currently on my early 20s. 🥺💗 Sobrang laking tulong kasi nag hahanap talaga ako ng ways on how I should spend my income wisely. Ayoko din kasi tumanda na nagwowork sa industry 😅
B25660201 Thank you po sa gagamit ng Refferal Code ko sa buzzbreak. God Bless you.
I'm inspired to save and invest. Thank you!
Do you trade forex?.
Thank you sis!!! Watched few of your videos while doing some research about GInvest and learned a lot from it. Hindi lang GInvest ang natutunan ko while watching your videos. Dami ko natutunan like on ways pano magtipid, on what digital savings app should I use etc. Mas napush ako mag invest, magsave, at magisip ng mga bagay bagay na maggrow ako and my money long term. Thankssss and more power. Be safe, always ❤
Bakit ngayon ko lang to nakita huhu SUPER HELPFUL!! THANK U!!!! more vids like this pls
Sana po you can do a review and how to guide about ING Bank. I'm checking on YT kaso wala masyadong information.
True! Lakas makaimpact ng thinking ang socmed... no wonder I deleted my FB five years ago and now, nakadeactivate ang IG ko. Chill life, all good!
Grabe. Guilty ako sa lahat lalo sa bonus. I've been working for almost 5yrs na and everytime na iisipin ko yung bonuses ko di ko na alam kung nasan na sila now. This lockdown nakapagsave ako and trying to track my expenses monthly (Thanks to Mercury planner) kahit papano, but Lazada keeps on waving - kaya dinelete ko nalang yung app 😂
So true. Ginawa ko na to lahat. That I’m 27, kailngan Kong maging responsible sa mga expenses ko especially sa unnecessary things. 🥲
pwede po magrequest ng video kung paano gumawa ng listahan kung papaano mo matrack ang investments,income, at savings. yung madali lang po intindihin 😊❤️ new subscriber here 😊
Bakit ngayon lang kita nakita?! Kanina pa ko pa ko nagma-marathon. Time check 3:53am, at may pasok pa ko at 8am mamaya. Hindi ako maka stop eh nakakahype yung topics mo haha. Thanks for this. Keep it up! You earned a subscriber 😊