Emergency Fund 101 💵 + Saving Tips! (MUST WATCH) | Tita Talks 🍵
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- Опубліковано 11 вер 2024
- hello guys, i miss you all!! thought of sharing with you a very timely and relevant topic -- emergency fund. hopefully this video would encourage you to also prioritize setting aside funds for unexpected situations. 💕 praying for everyone's safety pag balik sa work next week ☺️
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beginner's guide to budgeting + tips! | tita talks 🍵
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thea
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hello guys, i miss you all!! thought of sharing with you a very timely and relevant topic -- emergency fund. hopefully this video would encourage you to also prioritize setting aside funds for unexpected situations. 💕 praying for everyone's safety pag balik sa work next week ☺️
DATABASE OF MY FAVE PRODUCTS 💖
bit.ly/3fYhtVO
WATCH:
beginner's guide to budgeting + tips! | tita talks 🍵
ua-cam.com/video/Jf7Nltzf-RQ/v-deo.html
adulting 101 playlist ✨
bit.ly/2xNUY4i
IG of my friend: @celenegrace_creatives, celenegrace_art ✨
love lots,
thea
-
🌸 social media accounts
instagram: @theasybautista
ask me anything: curiouscat.me/theasybautista
join our theabelles family on facebook at bit.ly/2JL4Y0I/
🌸 tech info
camera: canon eos m6
software: final cut pro
for business/pr/sponsorships: theasybautista@yahoo.com 💖
Can you make video about investment? thanks
whats your lipstick here on this video Ms Thea?
Yey! Been waiting for your new vlog. Stay safe, Thea! ❤
please do a video about ing and gsave thanks.you always have the best idea regarding all tita talks.more power on your channel
Loveyou ate Thea ❤️ Ganda talaga ng mga ganitong content mo sobrang nakakatulong sa pag build up ng future plans. Sobrang naiinspire ako twing pinapanuod kita ❤️❤️❤️
One tip na nakatulong sa akin: be a minimalist. Napansin ko na nung hindi na ako bumibili ng wants lang, mas nakakapagsave ako. Needs na lang ang binibili ko and napansin ko na hindi ako basta basta naaapektuhan ng trends. At saka pag nasanay ka na magsave at naexceed mo ung target mo na savings, sobrang fulfilling sa pakiramdam. Mas maaadik ka na magsave pa more kasi hahanap hanapin mo yung feeling of fulfillment na yun.
I agree sa hindi magpapaapekto sa trends!
Same. Bihira lang yung mga ganitong tao... kadalasan d nila magets. Sasabihin nila YOLO 😒 🙄
@@pillowcase7420 salamat po. For me, okay lang namang mag YOLO if and only if may extra budget. Hahaha pag walang extra budget, wag muna mag YOLO. 😅
@@marinaralife salamat po. Yes. Hindi naman essential sa buhay na makisabay sa uso. Kaya siguro hindi ako naaapektuhan. For me kasi hindi ko naman kailangan. Sayang lang ang pera. Isave ko na lang para sa luho na mas okay like TRAVEL. Hahaha
Yes I agree minimalism is the key and being grateful for what you have you won't suffer financially
Another thing we can also work on is to learn new skills. Invest in yourself para makakuha din ng extra job.
I just turned 30 this year, Tapos na mag pagaral ng mga kapatid and finally pinayagan narin ng parent ko live independently, nag bibigay parin samin pero hindi na all out di tulay nung ako pa aang breadwinner. Sobrang hirap ako magipon gawa ng respsonsibilities ko and I really hope hindi pa huli ang lahat to build my own Emergency Fund. I started to save few narin and ang daming magagandang tips ang nakuha ko s video na to. Thank you po
One way na ginagawa ko now is, instead of buying my lunch or dinner sa work, nagbabaon ako. Kasi, pagbibili pa ko, nati-tempt ako bumili ng madami tapos may mga times na di mo rin alam kung anong gusto mong kainin. Eh, pag sa baon, yung dinala kong food yun lang kakainin ko. Nakatipid na me, may peace of mind pa ko dahil di na ko nagisip anong kakainin ko. Yung natipid ko, derecho emergency fund.
“Actually save your savings”
Yan! Dyan ako marupok! 🤣 yung tipong ecq naman pero magastos pa rin kasi naka “save” naman sa pamasahe & food. Duly noted! 👍
I really love your contents especially financial talks. Not just informative, but you're really a relatable person given that you're a millennial like us. The way you explain things, hindi nakakabore pakinggan. Keep up the good work, Ms. Thea ❤️❤️❤️❤️
On point yung "hindi ka nga gumastos ng 2k, naghanap ng mas mura na paggagastusan, in the end, gumastos ka parin"
I'm still 17 yet gusto ko na po magsave for my emergency fund. Thank you for this Ate Thea! Lovelots ❤
Hi Ms. Oschlene!
Congrats for that! The younger the better. Sana all 👌
sana all ganito agad mindset ko nung around 20s 😅
Yes please! ING vs CIMB bank, just the video I'm looking for! New subbie here. Informative po talaga mga videos niyo. Thank you.
CIMB vs ING comparison!!!!! Love you, Ms. Thea!!!! ♥️
Yes, waiting for this! Ako personally gusto ko CIMB (kasi madaming acct options) pero if you're into check, ING works best.
Jrem Mendez CIMB din ako!!!!! I heard from reviews na ang dami daw charges ng ING... hopefully makagawa si ate thea ng review!! HIHIHI ❤️
Maganda to! Pero right now sa CIMB ako because its easily accessible via gcash.
Yes i am torn with this two online bank.. pros and cons po.
YESSSSS💛💛💛
Hindi ako magaling sa math at nahihirapan ako sa mga topic na may kinalaman sa pera pero sa inyo lang po ako natuto. Ang galing ninyo mag-explain at realistic po ang approach :) Maraming salamat po, God bless
thank you for another adulting video, very timely talaga... I just want you to know that you're the very reason kung bakit after 8 years of working eh finally may savings account na ako with ING, which I started last year... since then, naging monthly habit ko na ang maglagay ng funds sa savings account ko... so to all millenials and genz out there, it's never too late to save as long as you start now, eventually makakasanayan nyo na lang and magugulat na lang kayo, na malaki na yung savings nyo, na kaya pala... goodluck ☺☺☺😊😊😊
Life insurance, term insurance na topic po sana...pati about stocks for beginners..
Great topic! Hope more young professionals find your channel.
I actually had to cut all my credit cards years ago bago pako tuluyang lumubog, and only when I cleared all my debts (including my car payments) did I accept a new one. Took years! I thought i hurt my credit scores real bad but when i started opening savings accounts in different banks a couple of years ago, ayan na naman ang temptation. I learned my lesson though: use CC during emergencies only, wag na pataasan ang limit kung di naman kelangan, and pay in full and on time as much as possible. And if u can't help swiping, make the hard decision to let it go and stick to debit or prepaid cash cards.
The only youtuber I know na nagexplain how you can help boost her channel by liking and leaving a comment.
More contents like this please Ms. Thea! Would love to know more about CIMB and ING :)
WAAAAAAAH. THANK YOU ATE THEA. IKAW NA NGAYON ANG REYNA NG TITA TALKS. I'M 21 YEARS OLD AS OF TODAY AT PAPUNTA NA AKO SA AGE NA GANTO. I FIND THIS HELPFUL. YEY 💖🙏
Thank you Ms. Thea sa napaka-informative na content ninyo in times like this. Been a silent fan and I can say this channel deserves so much more. More power to you and keep creating good contents! Salamat po! 💚
Salamat din po 💕
@@TheaSyBautista hey I am watching your video
Content suggestion: When and how to move out from parents/full guide on moving out for the first time :)
Sobrang fave ko talaga mga Tita Talks mo Ms. Thea, parang I can listen to you ng 1hour straight 😊 Ikaw talaga ang Filipina version ng “The Financial Diet” 🤗
Chelsea Fagan in Manila y'all 😚
I learned about emergency fund 3 years ago and thankfully prepared na kahit papanu..pero gustong gusto ko parin manood ng ganitong video
Your video pushed me to “save my savings” on ING and CIMB months ago. And so far, I’m loving both!
Marami na po ako na watch na ganitong video pero this is the most comprehensive sa lahat and obviously you know what you are talking about po. Hindi po ako nainip and ang dami kong natutunan
Hi ms thea, please make a video about digital banking (ING and CIMB) tbh, sayo ko lang nalaman yun hehe. Sobrang interested ako kaso nakakatakot kasi “online” lang lahat 😂 thank you. Always stay safe and healthy :)
Love seeing young adult Filipinos talking about saving and investment.
I enjoyed this. I started to build my Emergency Fund because of my husband and the lockdown. It's tempting to spend, but financial security during this time is more rewarding. And a video please about ING. Thank you!
I watched this video in March. Now I have already managed to save 120k for my 3-month Emergency Fund(150k). So 30k na lang ang kulang. Thank you, Thea and more power to you. ✨❤️
Yes pls I've been interested in exploring about ING but di ko ma-gets talaga lol :(
Ikaw lang talaga yung youtuber na hindi ko inskip yung ads. Thank you for your great contents.
would love to hear ur thoughts about ING 😍
Mas malaki yata si CIMB/GSave
Mark Angel Luminta hmmm sana isama rin ni ms thea para may options 😊
@@markangelluminta9352 👋👋👋👋 wala lang hahahaha na amaze ako nakita ko comment mo
@@loreggekandt3027 hi Gee haha.
I tried using it and i uninstalled after a day or two. Mejo inconvenient! Kasi pwede ka lang mgcash in thru a bank that has PESOnet. If you dont have an account in PNB, for example, you have to do otc. Which defeats the purpose of an online bank since you still have to go thru a normal bank. 😓 CIMB was so much better for me as I can cash in thru 7-11, bayad centers and if you have the Gsave account, online transfers from Gcash to Gsave.
dami ko pong natutunan sa inyo💕 i put my emergency fund sa CIMB, and i make sure i augment my emergency funds every payday
Loved this content. I think newbies sa emergency fund will appreciate how you explained it so well. Keep it up! 👍
Fave videos ko talaga yung Adulting 101 ni Ms. Thea. 💖 Knowing na graduating student na ko at sooner or later magkaka-work na rin ako, makakatulong yung mga gantong tips para mag-improve yung paghandle ng finance and other adulting stuff.
Yes to ING topic! Been wanting to open an acct but lacking knowledge about it pa
Im not even skipping the ads in your vids, that's how much I love your videos! Started building my emergency fund this year, hopefully ill be able to reach my goal in 2 years so I can start investing. :) Thank you!
Hi Ms. Thea please talk about life insurance naman po when to have it and if it is necessary to get one lalo na kung nasa minimum wage lang ang income. Kasi dito sa pinas hindi masiyado alam ang importance nito. Sana makapag share kayo ng thoughts about it. Thanks in advance!
very informative ♥️ sana all ganto ang contents, sobrang siksik sa information and learning. More power, Thea 🤗
Hi Miss Thea. I have been saving my emergency funds in CIMB. Hope you can discuss more of it in your next blog. More power :)
Same.. haha anlaki ng gain/interest
Both ING and CIMB, okay ang interest rates at 4%. Better than any other local banks.
ito po ba yung sa GCash?
@@christianpaulo5687 yes po. Yung "Save Money" na option. Pero pwede ka din magsave directly on the CIMB app.
@@i.m__me Thank you po.
buti na lang may ganitong tutorial nasanay kasi tayong pinoy walang ipon ipon para sa emergency fund..atleast ngayon alam ko na
Hi Thea and to anyone who's reading this.🙂
Hello UA-cam algorithm!👋🏻
hello..paki tap din po sakin..
Asa a 26yo still under midlife crisis, this deserves a subscription, now I know saan ko na maipupunta pera ko monthly
Emergency fund vs sinking fund. And san po pwede i categorized ung petty money
Hi thea! This video is 3 yrs ago but I’m still learning so much now. Saw you on tiktok and you are really helpful!! Thank you so much, Thea!!! ❤❤❤
Already liked at the start of the video 😁 This is very helpful esp for those who are just starting to save. I'm almost at my goal for my emergency fund but I save it in a passbook account which is not very wise since ECQ started. I'm thinking of using ING to keep my emergency fund but have little idea how it works. Hope you can make a video about it. 😊
Exactly why so many people have a poor habit of always borrowing money because of the lack of knowledge on emergency funds. I hope more people get to watch this! More power!
Yup, sound quality improved significantly compared to your previous ones. Salamat sa video na to. Keep it coming!
Please do a video for CIMB and ING too. It will surely help a lot of people po. Thank you, Ms. Thea!
Bakit kaya ung mga wala kakwenta kwentang pranks ang daming views? Etong napaka informative ang konti ng nanonood? 😑 Ako yung naffrustrate sa pagka underrated nya. Sana ganitong nga videos ung sinusuportahan ng tao.
May kanya kanyang taste ang mga tao. Di natin mapiplease. Siguro di sila related sa mga topics na ganitom
Ok din bpi save up. Automatically mapupunta don yung naka set mong budget sa date na gusto mo.
Pwede ka din mamili if higher interest ba or free insurance yung additional benefit :)
Thumbs up tayo sa "out of sight, out of mind" That's why I opted to put my savings on physical bank, kasi digital banks are so accessible, tipong may gusto kang bilhin, money trasfer 😂. I don't use the mobile banking functionality of my bank strictly and kept the access on that account at minimum.
Yung example mo about not buying a P2,500 worth of stuff but ended up buying and justifying a P250 worth of meryenda is the same as what Carlo Ople said on one of his vlogs, he only buys necessities on big online sales, kasi yun yung mga bibilhin niya with or without sale in the future, so why not buy at lesser rate, and that he doesn't buy his shoes and other wants on that kasi KAHIT NAKASALE PA YAN, UNWANTED EXPENSE PA DIN NA ANG REASON FOR BUYING AY- SALE 😂
Not the same wordings pero diba? hahaah I felt attacked char. Pero it was a realization naman. More Powers Ms. Thea!
Very timely ng vid na to ate thea! Im really interested in trying out ING i am slowly building my emergency fund di pa siya ganun kalaki but im proud na finally meron na ko naitatabi. And youre right i will get back to the habit of using cash since lately umaasa ako sa card ko. Ind lang to helpful vid reminder din na magtipid. Please do the vid about ING thank you and more power. Stay safe po 😘😘😘
Dahil medyo paranoid ako, becuase of this pandemic I increased my Emergency Fund of 9months income to 12 months.
Yes I agree also that Emergency Fund should be separated from Personal Savings which is intended for vacation and other expenditures.
Thanks Ms. Thea!
Sobrang laking tulong po ng mga tips niyo Ms. Thea. Natuto ako gumamit ng mobile app para imonitor yung gastos ko every month. Sobrang na adik ako maglista ng expenses at magsave ng pera. Nagkaroon din ako ng idea about credit cards and budgeting because of you! Looking forward to more adulting videos po!
Awww glad to have helped!! Thank you 💕
Thanks Again Ms Thea. 😍Bakit kaya may mga nag thumbs down na tao sa ganito ka informative and full of sense na video?
Ang dami pa din talagang tao na naghahanap ng mali. Imbes na i-appreciate ang isang bagay.
More blessings Ms Thea😃
I think ngayung tlga everything financial Planning, dapat tlga lahat naka budject you know mo dapat yung wants at needs, find other source of income not only a business or investment but i think also a new learning na pwede pag kakitaan ito yung mga hidden skills mo na hndi mo usally na gagamit sa work mo. Siguro ito tlga yung time na meron ka plano pero hndi OA na nag susuffer yung ibang dapat i enjoy
Binge watching your adulting 101 contents bago matapos ang 2022. Thank you so much po very helpful po para sa'kin yung mga contents mo. Happy New Year Ate! 🎉
Never been this grateful for a youtube content 😭 I need this! Super blessed na napadaan to sa feed ko 🙏🏻😇 Mapapa-SUBSCRIBE ka talaga! 😅 THANK YOUUU, Ms. Thea! God Bless😘
Mga ganitong channel ang worth panoorin.. Sa panahon ngayon lamang ang may ALAM :)
Grabe super helpful talaga nito. More videos pa po. Finance graduate ako pero inspire na inspire ako sa lahat ng videos mo. 😊
I watched a lot of videos regarding finance but dito ko lang naintindihan ng maayos. Magaling mag explain and naintindihan ko agad kung papaano gagawin. amazing! love love! one of my fave youtuber! 💕
Itong Video lang ang hindi ako na bore kahit 25 mins. ang tagal ❤️ Daming matututunan❤️ Thank you Ms.Thea for the great advices❤️🙏
Always worth a wait for some quality videos. Video about ING type of banks. YES please...(how safe are these type of banks, is it safe enough for me to store funds in it, on an indefinite time)
I'm only a 17 year old pero sobrang dami ko na pong natututunan about adulting from your channel. thank you for always sharing your thoughts about adulting ate! ❤ been a fan since 2018 ❤
You know what, I agree that this topic is very timely! Ever since the lockdown started, I was obsessed with researching about finances and building my emergency fund! And when it comes these topics, I really look up to you hihi. Thank you for this!
This was such a helpful video! Love Tita Talks like these. Tip lang for everyone: you might want to deposit your coins or use them immediately para di ma-hoard ang coins & di tayo maka contribute sa inflation & mag recirculate ang coins. Thanks!
Almost 50% na sa target emergency fund (12-month fund!) 🤩
Thank you so much po, Ms. Thea. Sobrang inspiring po ng lahat ng content mo and I find myself rewatching your videos every chance I get. 🥰
Nag papasalamat ako sa mga vlogger na yung teaching nila is financial teaching ang laki ng pinagbago ko Sa buhay, ngayon ang dami kuna investment at May bahay nako sa isang subdivision, salamat nakaka addict kayo, god bless po sa mga vloggers like this❤️❤️❤️
Hi Nurse ako dito s London at nainspire ako na ituloy ang simple living because of you! It can be tempting to spend money and be like the people around me here also especially that I earn more than what I was earning back home! Pero I believe in building emergency fund! Thanksssss a lot
This is my first time hearing the emergency funds and saving . Auto subscribe.
Great video. Sanayin nyu lng sarili nyu na mag save. Kahit 1k 500 what ever the amt is. Once na build mo na habit mas madali mag save one thing na nag work saken is hindi ako gumawa ng recurring na deduction sa payroll acct ko para ma transfer sa savings. I do it consciously para ma enforce ung pag save. And now kada kinsenas auto matic na gnagawa ko transfer na agad sa saving without thinking. And once na nag meron kanang emergency fund 3 to 6 months worth ng current salary mo . Mag invest kana either stocks etfs. Ako sa crypto kahit medjo risky kasi alam mo na kahit mabawasan initial investment mo eh kampante ka na meron ka pang emergency fund. :)
Medyo recently lang ako nakagawa ng space for emergency funds sa account ko kasi natuto ako sa mga nangyari sakin like mga nasirang gamit, sickness, etc. Importante talaga siya. Sa ngayon, maliit pa lang laman niya pero sisikapin ko na talagang malagyan every sahod. It’s crucial in life bukod sa savings
Salamat maam sa mga dagdag kaalaman🙂Heres my full support kindly watch atleast 4minutes to avoid spamming and your support and efforts will not be wasted.
Grabi bat ngayon ko Lang nakita ung channel na to. Salamat sa tips MO po super makakatulong to sakin. Godbless po and more success ❤️❤️😊😊
Very well explained, Ms. Thea! I started savings months ago and it really gave me peace of mind. I wish I started earlier but as you said, tapos na yun. Love this topic! Looking forward to more adulting videos!
I watched this vlog last 2020. I'm watching it again this 2022. Feeling ko 6x ko sya pinapanuod pag naliligaw ako ng way sa financial handling :D
Yay! So timely! More contents like this please and also the ING and GSAVE/CIMB. Thank you! Light and Love!
Learned a lot from this video. Would really need to ‘save my savings’ na talaga. Pay Debt > Emergency Fund > Investment 💯
We're so blessed to have Tita Thea, talking Tita Talks. Huhuhuhu, saya manuod ng Adulting 101 playlist. More videos like these po. Godbless Ate Thea.
Yes!! ING and CIMB comparison please 🥺
Omg she actually reads the comments hehe hello I’m a fan :)
I have CIMB and ING accounts na minsan nga nakakalimutan ko na
More tita talks pls
Eto yung content na may laman at may matutunan ka. Thank you for the tips ms. thea. 👍🏻
YESSS! Please do a video about these digital banks. Thank u so much in advance. Your videos are highly appreciated regardless of the # of views 😊😉😙
Yes to CIMB & ING topic. Pero anong problema nung mga nag dislike????
kapag tlga ikaw nag a upload sini save ko agad kapag nakita ko sa notif ko, pagkatapos ng lahat ng gagawin ko pinapanood ko mga videos mo...natututo kasi ako sa channel mo, palaging malaman, madaming hindi tnuro sa school about finances na dito ko natututunan..salamat Thea, ingat lagi Godbless!
Share ko lang na mas malaki pa interest sa cooperatives like ficco pero instead of interest ang term, they call it "dividends". Mga 8%. Tsaka mas kikita ka pa pag may loan ka kase may patronage refund😎
Hi! I've been watching your vids for quite a while and I just want to say thank you. As a 21 year old who's been looking for tips on handling my finances, your vids had helped me a lot. I tried watching American youtubers and learning from them but given that we have very different ways of living makes it really hard to actually apply what they say. Your vids are very helpful. Please make more Ms. Thea ❤️
Napaka helpful nito lalo na sa panahon ngayon.
Hindi Naman talaga importante ang luho.mas importante pa din ang may savings lalo sa panahon thanks for sharing po
Yayy! Would love to hear you talk about ING and CIMB. ❤️
Whenever I watch your videos, I feel motivated talaga to be financially literate and work harder. Please keep posting adulting related topic Ms. Thea, you inspire alot of people. God bless you!
Super love this video!!!
Thank you po me and my husband will try this one. After a 6 months or 1 year share ko po yung outcome 😊🙏🏻
Thea, plsss. create a separate video for the digital banks you've mentioned. Pashare na rin ng personal experiences mo having an account with one of them.
Thank you so much. Stay connected. Keep safe always.
Shared it to my family, this is a good information and a reminder of all the importance of having an emergency fund, hindi puro bili dito at bili dun pag me pera.
I clicked this immediately as I see this! Thank you, Ms. Thea!
Yes please sa digital banking.. Na miss ko ung videos mo huhu
Great video. Very informative. I had to cash out my Emergency Funds due to hospitalization and then the Pandemic, so this is the motivation I need to start again. Would love for you to do a deep(ish) dive on high-yield savings and maybe an 'investments for newbies' kind of video. Kudos!
for someone who just turned 20 and is starting with this “adulting” this is really helpful and definitely a WAKE UP CALL HINDI AKO NAKAILAG altho i started with mutual funds last year and now im on my second year bc i really got interested with stocks and investment back in shs and i know it’s not enough but at least i started. also i will TRY to save more bc im in this online shopping phase in quarantine and im rly trying hard to not check out all the stationary goodies in my cart and i spent 6k in online shopping in just 2months. I am regretting all the time i spent studying at starbucks or bo’s when i could’ve just done so in the condo. i wish i had watched this or that this existed before my 18th bc damn all the money splurged on temporary pleasure is just 😢