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.
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.
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.
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
Let me share my experience also: -Buying affordable items na hindi kelangan. -PAGKAIN HAHAHA (fastfood, resturant.) -Napakagenerous sa friends or anyone. Thankyou😘
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! 😍
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. ☺
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!
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.
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.
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
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.
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 😍
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!
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.
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.
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
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
I absolutely agree with these! My grandmother saved up her money from her 20s until her retirement instead of splurging frequently. Now, whenever she needs to go to the doctor or wants to buy something to make her latter years more comfortable, she doesn’t have to worry about where to get money, nor does she have to ask from her children for support.
I just realized I'm already successful thanks to this video. I agree na social media triggers envy kaya di natin narirealize na we have different definition of success. I always feel na napag-iiwanan ako just because hindi ako sumasabay sa bandwagon and di ko magawa yung patravel ng iba. Pero realizing na I'm just 22 and I'm paying the bills in our house in send my 3 siblings to school plus the fact that I am able to save money, I just can't believe I am able to do all these.I finally appreciate my hardwork. Thank you so much! You just made me subscribe to your channel. Lovelots and more great content!
@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 :)
7:13 😔 Watching now dahil ang hrap. My brother died last March kakasimula p lng ng pandemic and 3 months la work sis ko. Single mom. Ubos tlga 😔. Good thing I have work kht na maliit lng shod nkaka survive 🙏. Thanks for this video.
I'm two months late for this video, but so glad yt recommended it. Sobrang quality content girl. MORE Filipinos need to listen/watch these kinds of content. And thank you for the no-nonsense delivery na clear and smart. Thank you din for doing away with annoying jeje effects. 10/10
I'm in my 20's po ngayon and all i can say is ang sarap po makinig sa inyo dahil sobrang nakakarelate po ako and so inspiring dahil andami ko pong narerealize at natututunan. Godbless po!
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!
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.
Thanks girl im amazed that at a young age you already realize that..akong ako ung mga sinabi mo pero thankfully I already learned to value my hard-earned money.. really appreciate this content :)
Super helpful. Same here. Nung nalaman ko na ang value ng money i really worked hard to have my savings. And until now by God’s grace nagiincrease sya. :) great video Thea🤗😉
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 😅
As a college student in her last sem, this video is super helpful! I recently just got a part time job, and got my first sweldo. I immediately watched this video para ma educate ako on how to handle my finances since I have limited knowledge pa. Thank you so much Ms. Thea! Looking forward to more Tita Talks 💞
Mas maganda nga na nadidiscuss yun ganitong topic para sa mga fresh grad at newly hire. That they should spend very wisely and avoid these mistakes. Kase kahit ako din ganito naging mindset ko and I'm still working on it to lessen my spending na hindi naman worth it tlaga. Thank you for this video 💕
I started to save money noong nasa elementary pa lang ako. I used to keep all the 1 peso sa alkansya or wallet ko. Nadala ko yung habit na ‘yon hanggang sa mag college ako. Kahit na 100 pesos lang baon ko per day, I still save the excess money from it. Sobrang nakatulong din sa akin na nagbabaon ako ng food ko sa school, so less expense for me. Plus point rin na school-bahay lang talaga ako. And when I really want something nagiipon talaga ako and I also plan kung magkano dapat ang pera na dapat i-keep ko per day in order for me to reach my target amount of money sa day na na-set ko. And somehow yung pagiipon ko ay nakatulong din sa family ko specially now na we’re struggling financially, may nadudukot akong pera to support our basic needs. Small amount but still helpful. I know how to save na but this video really helped me a lot to learn new things and to assess myself more kung tama ba yung pagiipon na ginagawa. Sobrang disiplina lang talaga sa sarili when it comes to saving money kasi hindi lang temptation ang kalaban mo, ikaw mismo ang kalaban mo. Salamat ulit nang marami for sharing your experience and knowledge.
Mine is: - ginawa akong takbuhan ng mga kakilala - mahilig ako mang treat (food/parks/cinema/shopping na din at times) But I'm just an average earner that time (my early 20's) Now, I'm working hard to keep and prolong my business
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! 😊
Super guilty ako dun sa lahat ng pera ko nasa isang account lng.. kaya di ko maiwasan gumastos... pero more naman for my family... Super thank you for this ms Thea. I hope this year mas madagdagan yung ipon naming mag jowa...
I was just scrolling through youtube then I saw this video. Thank you po for this video. I am 19 years old and going to 20. I hope po sana more vid on finance tips.
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 know you probably won't see this comment. But i thank YT algorithm for letting me find you, thank you so much ate for your tips. Super inspiring mo po talaga!!
Amen Thea!! All those u mentioned I did it in the past... Now I learned my lesson, I work hard for my long term goal which is to build a house...i have 2 separate savings bank account,, 1 is for my travels and the other 1 is for my future dream house...
I agree, for my mom savings is her success. She could buy a Dior Tote Bag but she won't. Dati I dont understand her, pero ngayon na Im dulting 101, I can relate to her. A breath of fresh air. Keep it up!
Saw this on my related vids. Good to see someone na 20's and nagbibigay ng financial advice at may laman ang sinasabi hindi mindless basura content. New subscriber ako agad 😊
Thanks for this video. :-) Here's mine, 1. Got the good intention to help and earn via peer to peer lending, however it still ended up as a loss due to defaulting borrowers. The platform's policies and checks were still not enough. There is some returns, but in the end i'd have to suggest not to put huge amount of money in it. Something we are willing to part with. 2. Lending money to friend. Yes this is true. It can destroy friendship. 3. Spending on video game collection. However this is not entirely a mistake as the items can still be sold in the future.
Grabe, I’m in my mid-20s pero lahat ‘to nangyari sa akin. At thankful naman ako ngayon na medyo nalalagpasan at natutunan ko ito. Lalo na yung #1 and #2.
100% agree ako dto. Lalo na sa dala na insecurities satin ng social media/trend/uso. Buy the things that you really need not the things that you want. (Syempre kung marami ka namang pera, why not buy all you want)
Bakit ngayon ko lang to napanood? 😭 so helpful! Most of what you discussed, ganon na ganon rin nagagawa ko up until now. Pero thank you for this! Lalo na sa part na iba iba tayo ng definition ng success 💕
The 3rd part nakarelate ako. When I have my 1st job sobrang naadik ako sa crafting and planners. to the point na splurge splurge. hanggang sa narealized ko na wala ako naiipon kakabili which is not good. :) kaya nung lumipat ako ng work. i promised to myself na same pa din ung expenses ko then the remaining sa investments and savings na. :) nasa huli talaga ang pagsisisi.
Im 18 and the breadwinner in my family. I dont have any idea about adulting and embarrassed to ask my parents. Thanks for your videosss!!! Helps a lot!!!!!!
Iba iba tayo ng definition of success👍👍👍 Yes!! like yung iba may magandang bahay na o sasakyan.. pero ako nakafocus pa palaguin ang maliit naming negosyo.. kasi yung goal ko palakihin mu na ang pera, dapat stable muna ang negosyo at kumikita na ng malaki kasi in the end mabibili mu dn lahat ng needs mu soon.
Meron na kong bagong mantra, "If you can't buy it twice, you can't afford it." and it helped me so much huhu. And I started decluttering my makeup and ang dami ko palang makeup na binili ko without even reaching for them at all and parang narealize ko ang sayang pala kasi kahit affordable pero pag pinatong patong yung presyo ng bawat product, ang laki na sana nasave ko if I didn't buy those products. I'm still a student pero I'm guilty of buying affordable things I don't need lol.
7. Savings Account Same with Payroll and Checking - pinag iisipan ko na isang banko lang ilagay yun savings ko at payroll account ko. pero magandang tip nga yun di nakikita yun savings account pag nag oonline banking hehe :3 thank you sa tips!!
Such a refreshing and informative video, totally relatable. I wish I could have watched this in my mid 20's para naiwasan na hindi ko nagamit ng maayos yung kinita ko from working. Please make more videos like this, or yung mga real-life lessons videos. New subscriber mo ako because of this. Kudos!
1. Don't lend money to people. 2. Don't fall into Lifestyle Inflation. 3. Don't compare/base your success on others. 4. Don't spend your money in advance. 5. Don't treat your bonuses as rewards. 6. Don't buy things you couldn't afford. 7. Separate the payroll acount from the savings account. 8. Start medium term plans.
Thankfully, I found your channel. I am currently 22 and on my previous job I wasn't really able to save up. In my current job now, I am planning to save and probably invest. Thank you for this 😊
Hi ms.thea!! 😍 Sobrang laking tulong po nitong video mo since medyo nastressed ako lately pano mag budget since student pa lang din po ako and gusto ko kahit papano magstart magkaroon ng savings for future investment/expenses. Sobrang helpful po nito. 7:13 pa lang ako ng video pero I must stop to comment that this video is an eye-opener and helpful video for all. ❤️❤️❤️❤️ God bless you more ms.thea!! 😍💖
Grabe ngayon ko lang to nakita at sising sisi ako. I'm working sa BPO company and as a 19 year-old, sobrang laki na ng 23K na salary per month. Tapos wala pakong binabayaran na bills kasi nakatira ako sa parents ko, transpo ko lang and allowance. Yet wala akong savings. May napundar na mga gamit pero walang savings. Grabe sobrang gastos ko huhu. Thank you po Ms. Thea! Eye opener talaga to.
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 .
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.
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!
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 😭
Video suggestion: investment for 20s? Pang starting young professionals. Very adult na ba? Hehe
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
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.
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?
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 ❤️
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.
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
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.
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???
Super helpful as always!!!
Thank you, Toni!! ♥️
Enough of clearing the skin and tightening the pores vids. This is what I need right now. Thank you sa videos niyo po. ❤️💕
"Limit your exposure to unrealistic lifestyle." Relate!
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 ♥️
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
you got me at "we have different definitions of success." thank you so much for reminding us of this very powerful statement!
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!
Sana next vid about cleanliness sa house/condo. How to maintain it clean, mabango, cooking life, etc 😍😍
Dd Dd agree!
Love this "Guaranteed na mabubuhay ka in future but hindi guarantee na may pera ka in the Future" Thank you for this.
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.
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.
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
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.
I’m 20 years old and I’m a fresh grad. This is so helpful in planning my future!! Thank you so much 💖
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 😍
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!
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.
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.
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
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
I absolutely agree with these! My grandmother saved up her money from her 20s until her retirement instead of splurging frequently. Now, whenever she needs to go to the doctor or wants to buy something to make her latter years more comfortable, she doesn’t have to worry about where to get money, nor does she have to ask from her children for support.
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?
I just realized I'm already successful thanks to this video. I agree na social media triggers envy kaya di natin narirealize na we have different definition of success. I always feel na napag-iiwanan ako just because hindi ako sumasabay sa bandwagon and di ko magawa yung patravel ng iba. Pero realizing na I'm just 22 and I'm paying the bills in our house in send my 3 siblings to school plus the fact that I am able to save money, I just can't believe I am able to do all these.I finally appreciate my hardwork. Thank you so much!
You just made me subscribe to your channel. Lovelots and more great content!
wow your amazing po
Thank you! ❤
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 :)
7:13 😔
Watching now dahil ang hrap. My brother died last March kakasimula p lng ng pandemic and 3 months la work sis ko. Single mom. Ubos tlga 😔. Good thing I have work kht na maliit lng shod nkaka survive 🙏. Thanks for this video.
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 😅
I'm two months late for this video, but so glad yt recommended it. Sobrang quality content girl. MORE Filipinos need to listen/watch these kinds of content. And thank you for the no-nonsense delivery na clear and smart. Thank you din for doing away with annoying jeje effects. 10/10
Can't believe I'm in the stage that I watch vids like this. Very helpful, more of this content!!!
I'm in my 20's po ngayon and all i can say is ang sarap po makinig sa inyo dahil sobrang nakakarelate po ako and so inspiring dahil andami ko pong narerealize at natututunan. Godbless po!
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!
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.
Malapit na ako magwork. I really needed this. Thank you, Ateee!! ❤️❤️
Thanks girl im amazed that at a young age you already realize that..akong ako ung mga sinabi mo pero thankfully I already learned to value my hard-earned money.. really appreciate this content :)
Love this video!! ❤️
Hazel Quing ateeeee😍
I'm 20, currently trying to improve my financial literacy, and it's a good thing I've stumbled upon your channel. Thank you po.
Such a great content! One of the best youtuber i follow :)
I totally agree!
Super helpful. Same here. Nung nalaman ko na ang value ng money i really worked hard to have my savings. And until now by God’s grace nagiincrease sya. :) great video Thea🤗😉
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.
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 😅
Very nice video. Thanks for sharing this ❤❤👌
Very inspiring po ano
Thank you, MJ ♥️✨
As a college student in her last sem, this video is super helpful! I recently just got a part time job, and got my first sweldo. I immediately watched this video para ma educate ako on how to handle my finances since I have limited knowledge pa. Thank you so much Ms. Thea! Looking forward to more Tita Talks 💞
Super helpful tip for people who are entering their 20s 😍
Mas maganda nga na nadidiscuss yun ganitong topic para sa mga fresh grad at newly hire. That they should spend very wisely and avoid these mistakes. Kase kahit ako din ganito naging mindset ko and I'm still working on it to lessen my spending na hindi naman worth it tlaga. Thank you for this video 💕
hala i love videos like this!!!! budgeting tips next please!!
I started to save money noong nasa elementary pa lang ako. I used to keep all the 1 peso sa alkansya or wallet ko. Nadala ko yung habit na ‘yon hanggang sa mag college ako. Kahit na 100 pesos lang baon ko per day, I still save the excess money from it. Sobrang nakatulong din sa akin na nagbabaon ako ng food ko sa school, so less expense for me. Plus point rin na school-bahay lang talaga ako. And when I really want something nagiipon talaga ako and I also plan kung magkano dapat ang pera na dapat i-keep ko per day in order for me to reach my target amount of money sa day na na-set ko. And somehow yung pagiipon ko ay nakatulong din sa family ko specially now na we’re struggling financially, may nadudukot akong pera to support our basic needs. Small amount but still helpful. I know how to save na but this video really helped me a lot to learn new things and to assess myself more kung tama ba yung pagiipon na ginagawa. Sobrang disiplina lang talaga sa sarili when it comes to saving money kasi hindi lang temptation ang kalaban mo, ikaw mismo ang kalaban mo. Salamat ulit nang marami for sharing your experience and knowledge.
Preach gurl 😍 really love this type of content!
You are one of the most sensible na vlogger, kahit nasa late 30s na ko may natututunan pa din. Keep it up!
So on point Miss Thea. Sobrang nakakarelate ang mga nasa quarter life. 🤭😉
Mine is:
- ginawa akong takbuhan ng mga kakilala
- mahilig ako mang treat (food/parks/cinema/shopping na din at times)
But I'm just an average earner that time (my early 20's)
Now, I'm working hard to keep and prolong my business
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! 😊
Super guilty ako dun sa lahat ng pera ko nasa isang account lng.. kaya di ko maiwasan gumastos... pero more naman for my family... Super thank you for this ms Thea. I hope this year mas madagdagan yung ipon naming mag jowa...
More of adulting vids pls 😊
I was just scrolling through youtube then I saw this video. Thank you po for this video. I am 19 years old and going to 20. I hope po sana more vid on finance tips.
Nagpapagastos sa akin ng bongga
PAGKAIN
PAGKAIN
PAGKAIN
PAGKAIN
PAGKAIN
😂
I love your content, girl. Pinagisipan. Hindi time waster. May natututunan. Thank you. Please keep it up. 💜
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 😊
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 😂
continue making informative videos like this
I know you probably won't see this comment. But i thank YT algorithm for letting me find you, thank you so much ate for your tips. Super inspiring mo po talaga!!
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 👍🏻
Amen Thea!! All those u mentioned I did it in the past... Now I learned my lesson, I work hard for my long term goal which is to build a house...i have 2 separate savings bank account,, 1 is for my travels and the other 1 is for my future dream house...
Disappointed that suddenly the english turns to be mix of english and filipino so now i am 100% unsure what you say
I agree, for my mom savings is her success. She could buy a Dior Tote Bag but she won't. Dati I dont understand her, pero ngayon na Im dulting 101, I can relate to her. A breath of fresh air. Keep it up!
I hope I can find a partner with this kind of mentality...Smart is the new sexy...👌👍🌈
Saw this on my related vids. Good to see someone na 20's and nagbibigay ng financial advice at may laman ang sinasabi hindi mindless basura content. New subscriber ako agad 😊
Thanks for this video. :-)
Here's mine,
1. Got the good intention to help and earn via peer to peer lending, however it still ended up as a loss due to defaulting borrowers. The platform's policies and checks were still not enough. There is some returns, but in the end i'd have to suggest not to put huge amount of money in it.
Something we are willing to part with.
2. Lending money to friend. Yes this is true. It can destroy friendship.
3. Spending on video game collection. However this is not entirely a mistake as the items can still be sold in the future.
Grabe, I’m in my mid-20s pero lahat ‘to nangyari sa akin. At thankful naman ako ngayon na medyo nalalagpasan at natutunan ko ito. Lalo na yung #1 and #2.
100% agree ako dto. Lalo na sa dala na insecurities satin ng social media/trend/uso.
Buy the things that you really need not the things that you want. (Syempre kung marami ka namang pera, why not buy all you want)
SocMed is just a highlight reel. You wouldn't know what's happening behind those curated posts
Bakit ngayon ko lang to napanood? 😭 so helpful! Most of what you discussed, ganon na ganon rin nagagawa ko up until now. Pero thank you for this! Lalo na sa part na iba iba tayo ng definition ng success 💕
The 3rd part nakarelate ako. When I have my 1st job sobrang naadik ako sa crafting and planners. to the point na splurge splurge. hanggang sa narealized ko na wala ako naiipon kakabili which is not good. :) kaya nung lumipat ako ng work. i promised to myself na same pa din ung expenses ko then the remaining sa investments and savings na. :) nasa huli talaga ang pagsisisi.
Im 18 and the breadwinner in my family. I dont have any idea about adulting and embarrassed to ask my parents. Thanks for your videosss!!! Helps a lot!!!!!!
Iba iba tayo ng definition of success👍👍👍
Yes!! like yung iba may magandang bahay na o sasakyan.. pero ako nakafocus pa palaguin ang maliit naming negosyo.. kasi yung goal ko palakihin mu na ang pera, dapat stable muna ang negosyo at kumikita na ng malaki kasi in the end mabibili mu dn lahat ng needs mu soon.
Meron na kong bagong mantra, "If you can't buy it twice, you can't afford it." and it helped me so much huhu. And I started decluttering my makeup and ang dami ko palang makeup na binili ko without even reaching for them at all and parang narealize ko ang sayang pala kasi kahit affordable pero pag pinatong patong yung presyo ng bawat product, ang laki na sana nasave ko if I didn't buy those products. I'm still a student pero I'm guilty of buying affordable things I don't need lol.
7. Savings Account Same with Payroll and Checking - pinag iisipan ko na isang banko lang ilagay yun savings ko at payroll account ko. pero magandang tip nga yun di nakikita yun savings account pag nag oonline banking hehe :3 thank you sa tips!!
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.
Ms. Thea! I just started watching your videos and as a 20 something OFW, I am so inspired! Keep up the great work!
Since last week I've been binge-watching your videos. It is really helpful and worthy of subscription!
Thea channel deserved more subscribers. Thea talks with sense and helpful for day to day life applications. Hope it can reach the yuppies. Cheers 😀
Such a refreshing and informative video, totally relatable. I wish I could have watched this in my mid 20's para naiwasan na hindi ko nagamit ng maayos yung kinita ko from working. Please make more videos like this, or yung mga real-life lessons videos. New subscriber mo ako because of this. Kudos!
1. Don't lend money to people.
2. Don't fall into Lifestyle Inflation.
3. Don't compare/base your success on others.
4. Don't spend your money in advance.
5. Don't treat your bonuses as rewards.
6. Don't buy things you couldn't afford.
7. Separate the payroll acount from the savings account.
8. Start medium term plans.
Super relate dito Ms Thea 😊 i realize lately na it depends on how discipline we are when it comes to our savings and expenses.
Thankfully, I found your channel. I am currently 22 and on my previous job I wasn't really able to save up. In my current job now, I am planning to save and probably invest. Thank you for this 😊
I COULD WATCH AND LISTEN TO YOU WHOLE DAY. THIS IS VERY TRUE AND IT'S ACTUALLY SLAPPING ME LEFT AND RIGHT. :(
Hi ms.thea!! 😍 Sobrang laking tulong po nitong video mo since medyo nastressed ako lately pano mag budget since student pa lang din po ako and gusto ko kahit papano magstart magkaroon ng savings for future investment/expenses. Sobrang helpful po nito. 7:13 pa lang ako ng video pero I must stop to comment that this video is an eye-opener and helpful video for all. ❤️❤️❤️❤️ God bless you more ms.thea!! 😍💖
Grabe ngayon ko lang to nakita at sising sisi ako.
I'm working sa BPO company and as a 19 year-old, sobrang laki na ng 23K na salary per month. Tapos wala pakong binabayaran na bills kasi nakatira ako sa parents ko, transpo ko lang and allowance. Yet wala akong savings. May napundar na mga gamit pero walang savings. Grabe sobrang gastos ko huhu.
Thank you po Ms. Thea! Eye opener talaga to.
Aww ok lang yan!! Youre still 19 and maganda na as early as now conscious na kayo sa finances nyo ❤️
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 .