Love this. She saves up for her future but also living comfortably in the present. Para san pa at kumakayod ka kung di mo rin maenjoy. Her expenses are reasonable, since around 65% na sisave up parin niya from her income.💞🤸

Most of my salary goes to family support. Like, I can't save. Send help (and hugs) po sa breadwinners. Nakaka-pressure ang life.

I really don't get the negative comments about this video. Watched this already when it was freshly uploaded and thought I love how well-detailed everything was. Lahat recorded. Why are people here so nega and comparing their monthly expenses, as if magastos si Thea and wala na syang karapatan magbigay ng financial tips? People have different priorities, lifestyle and financial situations. Just because you just spend X amount monthly, doesn't mean others have to live the same. Sobrang tipid na nga ni Thea sa lagay na yan for someone in her lifestyle eh.

Hi! I’ve been receiving comments/DMs about how I spend too much in a month. I agree that a lot of people spend less than what I consider my base spending. I would also like to share my perspective on the matter. I am willing to spend money to enjoy a comfortable life-pay the bills, work in a comfortable environment, share a portion of my income, have fun every once in a while and still have room for savings and investment (please don’t confuse with luxurious lifestyle). These are my non-negotiables; I’m okay with not spending on clothes, shoes and luxury bags. As mentioned in the video, my full year outlook is 60-65% of active income goes to savings and investment. This does not yet include returns on my investment portfolio. Essentially, it is a lifestyle that I can afford. I do not recommend everyone to spend as much as I can, though. It should depend on your financial situation, capacity and needs. What I suggest is to make sure you live within your means AND set aside money for savings/investment. If possible, diversify your sources of income. You can only reduce your expenses by so much, but the potential income streams are endless. Also for easy reference, I’m sharing the breakdown of my May 2021 Budget - total is 50.9K. Kindly note that Love Fund is completely discretionary, and my Business Expense may not be applicable on your end (about 11k in total).

I don't see anything wrong with this content. actually, this is eye-opening for me lalo na I am about to graduate, and sooner and later I have to make a decision for myself. This is indeed the reality when you actually move out so we have to work hard for every penny. That's why habang maaga pa we have to forecast everything (invest lol) and decide depends on our capacity and needs. Thank you so much for this video, Ms. Thea. You deserve more than that and you work hard for it ❤

Hi thea, sana makagawa ka vid about sa side hustles mo. Im curious lang na ang laki ng expenses mo and kung pano mo natutustusan lahat :)

I love kung gaano ka-detailed ung expenses. Hehe Adulting is real.

If you can afford to live comfortably, why not? Kaya ka nga nagtatrabaho para mabuhay mo ang sarili mo at mabili mo ang gusto mo. Magkakaiba tayo ng priorities kaya wag makialam sa gastos ng iba lalo na kung di naman ikaw ang nagbibigay ng panggastos sa kanya. 🙂

“As individuals we only have one obligation to society: To make sure we, and our children, are not a burden to others. The rest is your personal choice. Make your own and make the world a far more interesting place. JL Collins” So much respect for Thea for being so transparent. I only save 30-40% of my income dahil ang laki tlga ng housing costs at cost of living dito sa US. Up to 65% is a feat. not everything needs to be a financial choice, some are lifestyle choices. My dog is big drain in my bank account but I love her to bits so it doesn’t matter. 😍

Grabe Ms Thea you so kind! Giving this tips for free during this pandemic,nakaka tanggal ng stress. Atleast ppl like me will understand the how demanding & hard the world of an independent ppl like you. Ipon now bukod soon!! Haha

super love that you broke it down in detail! guess i will have to save some more to be able to move out.

Also your sharing is so good, I really love how comprehensive your report is. I learned a lot, and I agree not to scrimp on love funds!! Hope your aunt is ok. I guess another realization I learned is that living with another income-generating person would also help a lot.

❤️ always a wonderful experience watching your video thea! sensible and worth my time.

Thank you for sharing Ms Thea, super detailed! Nakakatuwa na nakakapagsave ka pa din kahit mataas ang expenses. Ang galing Ms Thea. Nakakainspire na galingan pa maghustle to live a comfortable life. Salute!

Iba lifestyle mo samin na regular salary employees, but I salute you po. Sobrang insightful. Kahit naman na marami kang gastos po, kita naman po na every peso has a designated place s budget po at hindi wasted sa walang kwentang spending. Ngttrack din po ako ng spending and budget, hopefully one day I'll reach this level as well. Thank you po s pag share.

Thank you for sharing Ms. Thea!! Very useful and eye-opening! :D

I like this breakdown of monthly expenses. Medyo malaki nga kahit separated pa yung one-time and advance expenses, but true din na you're not as extravagant in spending as others. Mahal lang talaga expenses. Lalo pa siguro pag may family na.

This is goals.👌🏼 But reality, not for everybody.🥺

another informative video. Yay. Again, thank you!!!

Dahil sa vid na to narealize ko na hindi pa ako mag mmove out of my parents anytime soon🤣

You are an adult if you have a spare notebook to write down all your expenses and an app to counter check. Hahahah!! ❤️

Great Video Ms Thea! Very detailed. Thank you☺️

Thank you for sharing. I love how detailed it is. ❤️

Super love ko mga budget breakdowns mo!! 💕💕

Thanks for uploading, Thea. ❤️

Woah, your budget is so precise

looking forward sa new intro and other branding materials mo, Ms. Thea! :)

Yey! Another learnings! Thank you Thea!

Wow! Nakakalula talaga pag namulat ka sa realidad. Thank you po pala sa mga tips at ideas. Marami akong natutunan dito. Worth it talaga ang oras na magugol sa panonood. Keep it up po. Tsaka make more videos pa po!Love lots 💗

I just started watching your videos this week. At gusto ko yung straight to the point at wala masyadong distracting sound effects. And very detailed and informative etong episode na to

New subscriber here! Such a great content to watch while taking a break from vlogs about politics, ootd haul, etc.

Thank you Thea! Super fun and easy to work with!!! Binge watching your new videos now!! 💖 Kilig may shoutout pa ako! Hehehe 💖💖

I love you, Thea! ♥️

I always love your content, Thea 🤑😍

I really love your video, and I immediately clicked the subscribe button... I think there isn't anything wrong with being too meticulous with out finances... I am like that too and you are completely right, game-changer siya ~!!! God bless po Ma'am and looking forward to more videos from you :)

Yeeyyy new vid ❤️❤️

Thank you Ms.Thea nag eenjoy talaga ako manuod ng vlog mo, very knowledgeable lalo na nag struggle ako sa pag handle ng mga expense.

I am so amazed by how responsible you are Thea. I really love your personal finance videos.

Your make up looks GREAT! Love that it's from Zalora!

Huhu galing mo talaga Thea in expenses and time management. ❤️

Gusto ko sanang magcomment na marami kang gasto then I realized oo nga pala sobrang taas na ng cost of living sa pinas. Nung umuwi ako last yr from SG yung expenses ko for 2 wks regular expense ko sa SG for 2wks. Btw thanks for the breakdown nakaka inspire magreview ng expenses

ms. theaaaa! just want to let you know po na i'm very excited na i-apply lahat ng tinuturo niyo sa channel. sobrang nagaganahan pa po ako mag-strive for my career growth kahit na freshman pa lang po sa college. thank you so much ms. thea! i truly appreciate your brain, beauty and wisdom. less na din expenses ko in hoarding kasi who buys so much and doesn't even use it? (guilty of this 😔✋). thank you po talaga. hoping for your channel to reach more filipinos who are in need of financial literacy at a more digestable way. labyuuuu po and always keep safe ❤

Hi Thea, thank you so much for sharing this kind of content. I started using your Budget Planner Template this May. Although starting palang, nakikita ko na agad kung anong position ko in terms of finances. ☺️☺️ Looking forward for more tita talks. 😘

Thank you for the tips and the very detailed list of expenses.Someday I'll be able to spend like you! I now have a better idea of how much I should earn to have the lifestyle that I want.

Wow!! ang galing! Actually, I costumized yung excel that you posted according to my need. Ang inaaral ko palang is to budget for the year. And this gave me a perspective why you really need to budget for a year. Ang ginagawa ko lang kasi is nagbabudget before an activity. That is easier. Pero grabe very challenging din mag budget ng for buong year. and yet di kasing laki ng budget ko ang binabudget mo hehe..

Ano naman pake ng iba dyan kung ganyan sya maghandle ng pera nya eh lahat naman yan pinagtrabahuhan ni ate. Gusto nya lang ng comfortable living, may ipon din naman siya na kahit gumastos siya ng malaki eh nakakapagsave naman siya mas malaki pa sa gastos nya hahaha. Anyways wag na kayo mainggit mag work nalang kayo sa sarili nyo para maging better din kayo inggit lang yan guys HAHAHA. Kalma lang kayo 🤣

The way you shyly smiled when you said ang ganda ng make up mo.. cute!!! Hahahaha! 🥰

yay ur a swiftie! Thank you for doing this kind of videos, nakakanormal sya.

Hi Thea, Video idea suggestion. Reaction dun sa 37k 1st job starting pay issue ng Atenista. Atenista ako at CS pa pero dahil di naman ako nagperform well sa school nahiya akong "ibenta" yung sarili ko. Napressure din ako na sa batch ko April na wala pa akong job offer samantalang yung mga batch mate ko Feb may job offers na. So yung unang job na naghire sa akin pinatos ko na. People said I sold myself short at di ko tinake advantage yung pangalan ng university ko. Pero the fact na 3wks after graduation may work na ako feeling ko advantage na agad yun. 10yrs na naman ako nagwowork. Pero gusto ko lang ng objective opinion on how you should sell yourself as a fresh grad.

Finally!!!!! 😫😫 Kapag pagsasabihan ako ng family ko na anlaki na naman ng gasto ko, sagot ko lang "I worked hard to live a comfortable life so let me be" Hindi din ako pala luxury more on comfy life lang talaga

Good vibes always, like your ideas thank you

HI Thea! Hope you can also give a quick guide on how to register your small business (mostly for online businesses) and all the processes/expenses involved. Thank you!

Love this video! 🙂

Sobrang goals! 💖

Hi, I've been binge watching your videos while working at night. I'm at my 40's and it's not too to apply those tips you are sharing in this channel. I'm researching about buying a condo and a car too, and hindi madali magdecide, ayaw ko magmadali. But hearing your tips is a big help (hindi ko makukuha ang ganitong knowledge/tips sa kung sino-sinu na lang) . I will keep an eye on your next video.Thank you😊

I've been watching you na simula pa nung focused on beauty pa yung channel mo and feel ko sobrang matutuwa yung past self mo na you scored 4 high end products for just 6k tapos may voucher ka pa 😂 thanks for another informative video! Nakakatuwa na ang organized ng expenses mo and nalilista mo talaga ❤

Today is my birthday and I considered this vid as a gift. Thank you, Ms. Thea 😍🥰

Fave ko yang 7 habits Ms. Thea!!!!! The best 💯💯💯

eto ung content na ayoko panoorin pero alam ko dapat kong panoorin dahil sobrang daming matutunan and marerealize with my spendings hehe.. thank you ms Thea for your adulting videos =) stay safe

As a healthcare worker, napakaimpossible para sakin na magkaroon ng ganyang lifestyle lalo na ang average sahod namin sa hospital ay 8k-13k a month lolz

Hello po! Sobrang thankful po ako sa mga videos mo po! Very informative and I like your videos too. watching from Bansalan, Davao del Sur ❣️

I am a professional too (CPA), pero my sole source of income is only my salary. Tips po sana on other work or services that could help me earn more? And on selling yourself din sa mismong corporate jobs? Wala rin kasi akong masyadong exposure sa mga ganito kaya i really love your channel. I think you are few years senior to me or same age lang, pero you are really successful on what you are doing, and I am inspired by that. Thank you Thea

👀wow 👀 laki ng monthly expenses but still living below your means, Ms Thea - having around 60% in savings and investment. The amount of income matters and it is a big factor but creating our own financial system is a great start and absolutely a game changer.

I live alone for almost 5 years now (international flight attendant based in middle east) and sobrang hirap talaga mag adulting but at the same time sobrang nakakaenjoy. I love tracking my expenses para naman makita san ko nagagastos ang pera ko but I don’t pressure myself kasi the more na naghihigpit ka sa pera mas lalo kang hindi nakakasave 😉 I tried to cook home food as much as possible or even prep meal para makasave. I limit ordering food online kahit sobrang tempting. I rarely go out only when I do grocery and I bought a coffee machine para no more buying super expensive coffee outside lol. I’m now trying to build my emergency fund good for 6months after that save ulit lol.

Hi Thea! Another video like this for your May expenses. ;)

wow! been waiting for another video :) was that a month ago? hehe! as always lovely and informative videos :)

...thanks for sharing :)... your advice so helpful ...so clearly explained

Your budget planner is really helpful! Can you possibly link a monthly budget with actual spending on the template? I'd like to see how you do it. Thank you :)

Feeling ko ang hirap hirap namin HAHAHAHA. Lovin’the vibes Ate. Relationship and love related talks naman hehe 😊

I really loved your #TitaTalks!

speechless. interesting din pala yung ganito, binilisan ko lang yung video. grabe din income niya kung sabihin natin nakakapag-save siya 30-50%

I super duper love you Vlogs ate! ♥️🥰😘

Para akong nanonood ng profit and loss report 😄 Love it!❤️

Hello Ms. Thea, I really appreciate your YT Content :) It’s a combination of make up and adulting 101. Please continue the favorites things (personal,work and financial). ❤️

Gusto kita maging respondent sa income and expenditure survey namin hahaha. Hindi mahihirapan ang enumerator magsagot ng questionnaire. Very detailed at naka categorize na ang expenses. Sana all. Hahahahah

Thank you ate thea. Dami ko natutunan ❤ planning to move out soon kasii

I'm amazed at how detailed ur budgeting is. Priscilla Almeda younger version 🙂

Feeling ko malayong pinsan ko si Ate Thea eh 😅 char hahaha. Helfpul vids para sa mga mahihirapan mag budget at gusto mag budget 😊

Fresh ni Thea ♥

You're a wonderful Tita! Parang dry-run mo na si Thea Jr. sa pagiging parent in the future. Hehehe. ❤ Gusto ko yung variance analysis. 😁

Thank u for this Ms.Thea. Its true po talaga, kapag tumataas ang salary, mataas din ang expenses. #TitaLife

as a single mom ang dami ko natututunan sa vlog mo as in ang dami ko palaging realizations, then I saw your monthly expense and I realized na walang mayaman at walang taong mahirap. Depende yun sa pagbbudget. Me as a single mom I notice na halos same lang kami ng way ng budgeting ang pinagkaiba lang is iba yung lifestyle nya sa akin. I'm not sure if naparating ko ba yung point ko pero Kudos talaga sa mga vlogs mo ang dami ko natutunan.

oh gosh nakakainspire ka, Ms. Thea 🥺🥺🥺

Yeyyy!!! 🥰

Early na naman 😍 yassss

Thank you for this! Inspired to remake this ms. Thea. Where did you get your credit score review?

Very smart!

Nakakainggit yong monthly budget, kelan kaya ako makakaexperience ng ganito kalaki. Sana all malaki sahod. Gusto ko rin ng ganitong comfortable life.

Grabi ang mahal talaga sa pinas...When I was living there sa Sa Shaw Residenza sa Ortigas for 2 bedroom duplicate condo I spent 55k plus almost 10k electricity 1month..hindi pa yan 24hrs yung Aircon nmin at wla pang proper kitchen...When I move here in KL tumira kmi sa condotel with complete aminities at yung condo fully furnished with complete kitchen apliances...yung rent nmin dito 40k lng at electricity nmin 24hrs aircon nasa 6k lng...

OMG swiftie si miss thea 😍

That’s so clear

❤️❤️❤️❤️❤️❤️❤️ fave ytubee. content and sense ❤️

I used that template until now and my problem was really staying within the budget as well 😆🙈 So the numbers from that file is so different from my bank account. lol

ate! ano po brand ng vitamin b complex plus na iniinom mo? :)

Yaaaaay 🥰🥰

Goals: Maging as Tita as Ms. Thea 🤞🏻💰

Si Ms. Thea yung friend na need mo in life para patinuin ka sa impulsive buys mo hahaha 🤣🤣 (me na kakabili lang ng shoes hay haha)

Wow! Sana someday magkaroon din ako ng ganyang monthly budget.

Thank you for giving advice i learned a lot po - middle schooler

First! 🤍✨✨✨✨