Halooo! Maagang pamasko sa inyo - best practices to kickstart or reboot your savings journey!!! Love u all!! Sensya walang premiere dami inaasikaso, but wishing you and your family a blessed christmas!! ❤️💕😘🎄✨

Changing my "wala akong pera" response to "I'm not financially ready for this yet" para hindi naman nega at the same time, challenging for me to be ready financially! THANKS FOR THIS!!!!

To all fresh grads and first-time employees like me, fighting! Let's all strive to be financially independent in the future!

"Ang perang hindi pa dumadating ay ang pera na dapat hindi ginagastos" 💯

2022 is magastos year rin for me 🥲 for 2023 sana mareach ko na ang 1M ❤️

Used my EF this year nung bigla naadmit sa hospital dad ko. Honestly I was able to save nung 2021 because of your vids, so thanks! Nasulit ko yung mga EF and SFs ngayong 2022. Hoping to replenish everything and start properly investing ngayong 2023.

Thank you for this Ms. Thea ❤️ road to Financially stable next year ❤️

Happy New Year, Ms. Thea! I'm so grateful that you still continue this kind of uploads here in YT. Achieved my first 6-digit EF last year because of your vlogs and can't wait to move forward in my financial goals and to reach financial stability. More power po and God bless!

I love the dont compare your progress with others, after all we have our own phase in life " Happy holidays Ms Thea I always look forward for a new video 🎄🎄🎄

sobrang favorite talaga kitang channel, tita thea! top 3 content creators ko talaga kayo nila nicole alba at charm de leon. kayo lang yung hindi paulit ulit yung advices unlike other finance gurus dyan, and goal nyo talaga makatulong sa tao when it comes to managing their finances! waiting for the 2023 budget spreadsheet planner!! 🙌🌠

Ako din tita, I enjoy updating my Excel every month! It's very therapeutic for me. Seeing my finances grow motivates me.

Hello Thea, You definitely stand out more when you wear something in the shade of green. If my memory serves me right, the power suit that you share in one of your videos is also green. Thank you so much for this new tita video 🤓

Thank you Tita Thea! I think your advices now po are really inclusive :)

Thank you po Miss Thea!! Fresh grad po me and here's to kickstarting my financial journey!! ✨✨

Pag financial advice tlaga ni Thea, forda sharing ang ferson sa friends and officemates nya. I know for a fact na sya yung best influencer na ka-age lng na pwede makapagpaliwanag o paintindi ng "kung pano yumaman, hindi maghirap!” More of these pa Thea. And more blessings to come. I hope this coming year will be one of your best years. and for you to have more subscribers kc why not? 🙏

Perfect way and a perfect video to start the year! Maraming thank you po! 😁😁😁

Excited for 2023 and to save again. 2022 was challenging kasi I spent more than I earned. Will work harder, save more this year. May we all have a healthier and wealthier 2023!

Dabest financial advisor ever. Thanks a lot for the information and encouragement.

My go-to channel! Thank you for this!

Excited sa 2023 template :)

Yaaaaaan ganto mga gusto ko vlog tlagaaaa♥️♥️♥️

maganda talaga mga video mo kiss thea nakaka inspired kahit small amount lang naiipon 💕💪

Love this video, basta usapang financial decision talaga, ikaw agad tinatakbuhan ko. Dami kong natututunan.

Agreed with you. Plus, the BEST way is to tithes your money - 10% of your income, give it to God. Malachi 3:10. God bless!

I love ending quote. ♥️✨

A good learning start for 2023 .... Great learning! Thank you Thea ..

Legit yan Ms. Thea! Mas maganda mag-save ng money kapag alam natin kung para saan gagastusin at para saan ilalaan.

Dear Mareng Thea - thanks for these tips! I wish you a prosperous new year para more more more content ka pa po.. please continue being generous in sharing your financial and life tips/hacks👏👍

Our goal this 2023 is to save money and be future ready talaga Ms. Thea. Mas maganda yan, kapag kasama ang Maya Savings.

Excited for the spreadsheet Tita Thea!

Love this ms Thea!! ❤️❤️❤️ thank you for being such an inspiration! :)

Yehey excited na ko sa bagong spreadsheets I currently used your old spreadsheets that you shared 😊

Same Ms. Thea, I prefer using Maya app. Love this Maya savings talaga.

Hi Thea, I am your new subscriber and I looooove your contents. :D I started getting serious with managing my finances just mid of this year (Covid19 realizations, ofcourse haha). 1 thing I did was to start tracking all my expenses and dangggg did it make a huge difference. I became aware of where I spent my money the most (and it wasn't a good picture to look at). The other thing I did was separating my savings account and my payroll account. This is really a game changer. Out of sight out of mind!!! Thank youuuu!

Hi Mam Thea, I love your content, been your subscriber for several years now. Continue to give knowledgeable tips to us titas! Merry Christmas 🎄

much awaited vid from you, Ms. Thea! di ko masimulan planning ko as i am still waiting for your vid haha and thank you for this!

Love, love, love this channel. Tita Thea, may 2023 finances excel file na ba tayo? :)

Hello Ate, Thank you so much po for inspiring me. Sobrang naappreciate ko po kayo. 🧡🧡🧡

Omg thea i have learned a lot to you specially it comes to finances and spends and everything.

Andaming nakaltas sa savings ko last year teata but that's because I finally treated my dad a nice TV :') and myself a nice iPhone 14 pro max! (which I don't mind kase i'm going to use it as pagkakitaan to my online store), this year andami naming travels for my family local and 2 internationals. And while I am not sure how to replenish my initial nicest savings from last year, bumping to this video will surely help my mentality. Some of it are truly repetitive from your previous videos but what works, works. (Just like the out of site, out of mind stuff). It's just really important you know where your heart is why you're doing all of this and for me it's for my family that's why I am working so hard. It'll be a first international travels din for us as a family of 3. Thank you for this!

yeyyy new videooo, thank youuuu for thissss 😊😍

So happy you made this atee!

OMG We have the same dress! Thanks for this video 💙

You have been my go-to channel if I have to make finance decisions. 2022 was draining for me financially. I am looking forward to bounce back again this 2023. Thank you for the tips and advance happy new year Ms. Thea!

Ng set n ng goals for 2023 i strted Nov 2022 when i rcvd my bonus.. hopefully ma achieved Thanks for the video..

We may have different ways of saving money, but I was happy naman na nawatch ko ang blog na to, to help me improve my ways of saving more. Thanks! Almost 200k for the yr 2022!

Blessed Christmas, Miss Thea! 🙏💞

Merry Christmas Miss Thea, Thank you for the tips.... Keep it up... God Bless. More savings to come. 🥳🥳🥳

Yes, thank u for this ❤

Ang galing nyo po! 😊

finances ok naman 😅 kumonti at the end of the year ang income than early of the year but happy kasi most of our utang ay bayad na. nakatulong yung excel sheet na binigay mo para matrack namin yung financial standing namin. 😊

My finance this 2022 went downhill po talaga. Super gastos ang ferson :( Napaka helpful po talaga ng channel nyo for someone like me na lost na lost sa mundo ng pag sesave and pag ba-budgetttt

Thank you for the video ❤

Gorgeous pa rin po khit chubby 😍 this year 2023 ayoko na muna magpabudol. I want to be minimalist ng very slyt 😅

Slamat Mam Thea S Mga Vedio.

Super helpful!!! ♥

If I compare my savings rate, mas mataas last year yun sa akin. Maybe because I mainly prioritized my EF last year. But this year, madami akong sinking funds + I started investing rin so nahati yung usual savings rate ko. For next year, I'll probably focus more on funding my grad school and for my travel fund. Though those are just some of my tentative plans for now, I have not yet sat down and go over my year end finance check in.

Merry Christmas po Tita 🤗💕💕

Thank you 💞

Thanks Thea!

Thank you so much Ms. Thea for always sharing your knowledge esp in financial aspect! May God bless you even more. Happy Holidays!🎄🤗💗🙏

Spreadsheet FTW 🙌

Happy new year Thea, Naka pag start nako nako ng emergency fund. Na claim ko n un Mp2 ko. After 5 years. Thank God.

Finally have my dream home 🏠

OMG!!! 🤗🤗🤗

Merry Christmas Tita Thea!

Merry Christmas Ms Thea!!

Proud to say na I was here when you started youtube! I loved watching your makeup videos pero mas love ko ang financial content mo! Thank you for everything that you do.

Sana mag spotify ka soon on finance tips and adulting 😊

Slamat S Mga Vlog Nyo.

Thank you!

Hello po miss thea 👋🏼 I have already watched all your videos sa first million playlist. I am hoping na sana po ma-notice niyo ako. Please share po paano magcompute for retirement fund. You have mentioned po sa previous video na gagawa po kayo ng content about retirement fund and I am still hoping and waiting po. Maraming salamat po miss thea! 😊🤞🏼 you have been a great help sa akin sa pag-establish ko po ng financial literacy ko. God bless po 😇

Ms. Thea, we are waiting for the update about your 1M journey ❤

Definitely agree na we shouldn't be comparing our finances with others kasi ibaiba tayo ng journey. I feel bad knowing na I'm in the red rn. Pero upon further checking, it's not all bad kasi my loans are all calculated and for investment(education and later real estate) and I know from thorough assessment na malaki yung returns nya sa future and had I chosen to wait and save up first, baka hindi ko na maaafford yung investments ko or mas lower tier yung makuha ko for the same price na nakuha ko sila rn. I guess my point is not all debts are bad and not to feel bad if your finances doesn't look similar to other people kasi ibaiba tayo ng journey.

ganda ganda nyo po😌 ang fresh💕 pano po yung ganyan? haha

Uy, tama ba napanood ko? Maya app? hehe. The best talaga ang maya. 6% interest rate pa. Goods na goods for savings.

Daming emergency sa 2022 😭😭 but thanks God for the grace

Gusto ko yung analysis ng rate of return of insurance plans. Please share it with us 🙏

hello po ms thea, waiting for ur budget planner notebook po hehehe

Using Maya app din, lalo na na merong feature na personal goals. Mas maayos ang pag-sasave ng money. Kumikita pa annually.

9:13 YOWN!!!!!!!!!!!

Request nmn po ng updated grocery vlog

2022! Was able to buy the lot I’ve been eyeing for since this January, so ipon uli savings dahil naubos sa DP. Was able to save 1.25x of my goal savings for this yr (dahil bulk ng bonus/13th month, dun ko rin nilalagay) targeting to save double of my savings for next yr, trying to eye applying to jobs that can make me earn more. Thank you Ms. Thea! Sana worth it ang investment (tapos na ako sa stocks/crypto phase, lost a lot so properties naman. Business, di pa sure kung anong gusto and pwede kaya di muna yun ang pinush)

Hi love 💕

❤ thanks

Happy holidays! 🤍 Where did you get your dress please?

♥️♥️♥️

Love this! Pero ang tanong ko talaga is saan po galing/pwede maorder yung dress? Hahaha. Thanks! 💖

Miss Thea lippie reveal pls!!! 😍

Love this!! Thanks tita thea. Sayang wanna go baxk to Maya pero ever since I chamged my number last last year I couldn’t create a new account / get my account back na because of duplicates. I asked maya before kung pano gawin dito pero walng reply :(

When she said "busy season" and OT, accountant siguro si ate o auditor. Hehehehe

Hi Thea...your fan here...just want to ask quote ko lng ang sinasabi ng nescafe ask ko po sana " para kanino ka gumigising?" I mean who is your inspiration para kanino mo inooffer ang iyong pagsisikap.Thank you po sa pagsagot.

Sabay sabay tayong abutin ang personal goals natin this 2023.

Maya, Seabank, uno bank, TONIK.

Wag Ng pilitin bilangin Kung kapos ang sahod..wag bilhin ang isang bagay Kung Di ginagamit.....

Hello po! Thank you po sa videos =). Paano po malalaman kung uploaded n po un Budgeting 2023 spreadsheet/Excel? Maraming salamat po

❤

🥰

Hi Ate Thea! Merry Christmas! Budol is real haha might use my Maya Savings as a sinking fund account for my wants! 💰 I have a tita question haha. Do u still categorize your mga napamaskuhan (if meron ka pa rin nare-receive haha) or basically rewards from various promos as a cash inflow? 🤔

Hi Ms. Thea, Do you recommend borrowing on SSS Salary Loan? as well as Pag Ibig MPL?