Q&A: juicy 🌭 finance topics | dating, utang, worst credit card, earning minimum wage

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Q&A: juicy 🌭 finance topics | dating, utang, worst credit card, earning minimum wage | opinionated

Рет қаралды 33,958

Жыл бұрын

let's answer some juicy finance questions 🌭 pawang opinion lang po lahat ng ito. please feel free to share your thoughts & let's have a healthy discussion about these topics!
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00:37 sino ang dapat nagbabayad sa date? lalaki, babae, or 50/50?
01:54 thoughts on "the man should be the provider in the family"?
04:06 what is the WORST credit card? what's the best one?
06:01 okay lang bang umutang pang bayad ng utang?
07:36 ano ang dapat unahin: magbayad ng utang or mag build ng emergency fund?
08:24 kaya bang makapagsave if you are earning minimum wage?
09:56 thoughts on "your home is a liability"
11:45 how do you stop buying things you don't need?
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Пікірлер: 125

@TheaSyBautista Жыл бұрын

So para sa inyo, who should pay for the date? Guy ba or girl? Or split 50/50?

@liezlmelendres5046 Жыл бұрын

Kapag nanliligaw siguro Ms. Thea guy pro kapag kayo na pwede ng 50/50

@jayraldseoconsultancy Жыл бұрын

Who initiated it? if girl? then maybe 50/50 .... pag ayaw ... ask yourself siguro at pati sya .... can love keep us alive 😂😂😂😂

@TheaSyBautista Жыл бұрын

@@jayraldseoconsultancy HAHAHAHAHA true diba! Pero i know some people who are firm with their preference na dapat lalaki ang palaging magbayad - both guys and girls ito. So may mga guys din na mas gusto sila magbayad for dates.

@jayraldseoconsultancy Жыл бұрын

@@TheaSyBautista I don't envy those people who want to pay for everything.... 😂

@itsbritneybisch8552 Жыл бұрын

I think the one who asked should pay, but I'd also offer to pay for what I ordered.

@angelicaaax Жыл бұрын

My husband and I have been together for nine years. We have an eight-year-old daughter. For the last five years, ako yung breadwinner and he's the homemaker. It took us a while to get here but the set-up works for us. Very in sync kami sa finances. For a while, we had huge CC debt pero unti-unti na namin na pay off through hard work. Keep up the great content, Thea. So informative and encouraging!

@TheaSyBautista Жыл бұрын

Congrats on your debt-free journey!! ❤️

@shxxpxnxy4771 Жыл бұрын

Asset sakin yong House & Lot kasi wala akong mamanahin sa magulang ko. Atleast yong anak ko meron na sya mamanahin. 🙂♥️

@levipollisco8421 Жыл бұрын

Mahal costs of money sa Pinas... Personal experience... Kung mag finance ako sa Pinas yung nakuha Kong condo mas mataas pa ang rate kaysa i-salary loan ko dito sa abroad... Considering, may collateral naman na... I also tried negotiating Kung anong pwd Kong gawin Kung sakali para bumaba ang rate ng interest ko... eg my salary certificate to show capacity to pay? additional collateral (add ko Isa pang condo)? Pero hnd ako naiintindihan ng agent... Advice nya habaan daw ang term Para maliit ang monthly... Speaks volume... It shows majority nung nakaka usap nya don't mind the rate of interest basta Mas maliit Lang ang Amortization... Kakalungkot Lang na parang hnd alam ni ate yung pine present nya... Hoping for more finance education to all Filipinos...

@internetexplorer9430 Жыл бұрын

Maam Thea, upload ka naman ng Daily routines mo, like how much time you spend on skincare, work, entertainment, reading books (or audible). Para po ma inspire kami how you manage your time. Please :)

@the.annethology Жыл бұрын

Your Q&As are the best in the local fin creator space, Thea!!! super love ko tlga insights mo. Bet ko un confrontation sa mga uneducated FAs jan 😂😂

@TheaSyBautista Жыл бұрын

Hahaha qiqil nila ang mga titas 😅

@martinezkat_ Жыл бұрын

Part 2 for these kinds of videos please! Really helps a young adult trying to go through life.

@TheaSyBautista Жыл бұрын

Puno na content calendar for this yr pero let’s do more in 2023!! ❤

@haebalagi_planner Жыл бұрын

tita thea, need mo na ata mag podcast 🫶🏻

@TheaSyBautista Жыл бұрын

Talaga baaaa haha parang di ko yata kaya isustain yan 😅

@angelicaeslabra8946 Жыл бұрын

Thank you ms thea🫶🏻🫶🏻 sobrang informative. Manifesting na magkakaroon ka ng podcast hihihi😘

@ivysantos4774 Жыл бұрын

Agree with your insights about BDO Amex. Goodness!

@TSALN 10 ай бұрын

Do you have podcast? If you don’t, I highly recommend you should have one. You’re gonna be good at it financial and other topics

@reinnaosorio7058 Жыл бұрын

Thank you very much about this!! Sana may part2 pa medyo nabitin akoo hahahah. Anyway, ganito dapat na content creator ang finofollow! Hindi toxic at marami pa matututunan hehe. Also, i hope magupdate po kayo ng content sa Real Estate since tumaas po inflation and interest rate ngayon 😢 Maganda kaya maginvest sa real estate during this time?? Thank youuuu!!

@TheaSyBautista Жыл бұрын

Salamat po!! ❤ gusto natin value adding ang content altho minsan may mema upload din naman ako hahaha. Regarding real estate, ang answer ko po palagi dyan is if the numbers make sense, it could still be a good investment option. 😊

@jayraldseoconsultancy Жыл бұрын

Siguro liability yung bahay kung nagbabayad ka ng monthly maintenance (tubig, ilaw, internet, tagalinis, and all) tapos wala ka don 😂 I mean yes nag aapreciate yung property itself pero if the cost of maintaining it defeats the growth tapos yun nga di mo naman talaga nagagamet or napaparent or be some sort of useful sa buhay at priorities mo then its kinda a liability in itself.

@TheaSyBautista Жыл бұрын

Yung “your home is a liability” argument refers to the house one uses for residence. Tubig, ilaw, internet and tagalinis are living expenses people would pay for regardless kung own property or magrerent lang. Are there bad properties? Definitely, pero to classify it as a liability is technically wrong haha

@TheaSyBautista Жыл бұрын

But gets ko yung point na maintaining a home is expensive. Yung iba lang napaka misleading, financial advisors pa

@jayraldseoconsultancy Жыл бұрын

I believe they take it from the american influencers na your house is a liability because you could own a building then rent on that building so that you can write that off on your taxes ..... If they're using it as a ploy to make someone buy stocks or crypto then .... the volatility of both assets itself is not worth it compared to owning a property

@MrMisterturtle Жыл бұрын

Siguro It becomes a liability if malaki yung area compared to what you need especially if hindi mo sya maconvert into a profit. Higher living expenses higher taxes. Yes, the value will appreciate over time pero mahirap din kasi syang iconvert to money if biglang kailangan na. It may also become a liability depende sa area. Building a "mansion" kung malapit sa squatter's area or fault line or flood prone area (like the subdivision in marikina)

@ricajpg Жыл бұрын

@@TheaSyBautista as an accounting grad, di ko rin gets bakit house is a liability hahaha. Pilit ko sinasabi to sa boyfriend ko na hindi sya liability. They're looking at the house as short term kasi na liability but no asset sya in long term yun nga lang, it's not liquid. Kasi once you're done paying for it asset pa rin yan that you can disposed in an appraised value once you're not happy. You can also say siguro na investment din ang house.

@ricajpg Жыл бұрын

7:44 in management po, laging inuuna yung debt payment before mapunta sa owners yung equity.

@justgoabby Жыл бұрын

As for me a house/home is never a liability for me. Yes, I pay for the utilities, maintenance, property taxes, repair, renovation etc however the fact that I own it and I don't have to think about monthly rent, the risk of being kicked out and be homeless give me a peace of mind and that makes it an asset for me.

@TheaSyBautista Жыл бұрын

One factor to consider din is sa rent hindi mo sure kung magkano ibabayad mo monthly. It may be cheaper now, pero kung biglang nag boom ang area mo, pwedeng mag double ang rent in just a few years ☺️

@TheaSyBautista Жыл бұрын

@elisabasco5041 Жыл бұрын

that's so true

@abs7262 Жыл бұрын

Moreeee moreee kahit 30 mins will still watch this 🙌🙌

@blushybabe08 Жыл бұрын

tita thea i’m such a fan!!! pwede gawa po kayo ng video ng after college guide more on financial kasi nakaka overwhelm thank you!!!❤️

@everydayedz549 Жыл бұрын

In 2020 grabe hoard ko sa mga online items, this is my way of coping with pandemic, but now I also make a list and judge it base sa ranking kung gaano ko siya ka need.. sobrang naka help hehehe,

@maricelp116 Жыл бұрын

Agree ako na bahay is an asset. Ayaw bumili ng bahay kasi liabilities pero umuupa ng bahay na 30k/month. Ang argument kasi is they rather use their millions to invest or start new business. 🤦‍♀️Ganun din Yun eh.

@TheaSyBautista Жыл бұрын

True din naman na may bad properties. And may instances siguro na better mag rent if the numbers favor renting vs owning. Pero to classify it as a liability just to promote whatever it is that they are selling is simply unethical 😅

@maricelp116 Жыл бұрын

@@TheaSyBautista ❤️❤️❤️

@goodslang Жыл бұрын

yan ang mga argument Gold vs House vs Insurance. prob kasi living with relatives kami kaya mas pinush namin bumili ng H&L instead na bumili ng gold or ng insurance.. to follow na lang cguro yang ibang investment

@levipollisco8421 Жыл бұрын

Yes house is an asset by accounting definition. Ako rin naguluhan din nung una Kong nabasa... Pero eventually na gets ko na hindi po yun ang pinupunto ni RK... He is trying to communicate to the average Joe's and hnd mga accountant. He is just trying to simplify his explanation Para maintindihan ng nakakarami... Pero my take na liability ang house by the definition of RK. It depends. Kc nakaka save ka ng rent Kung may bahay ka na... Kahit pa utang Yan but if the interest (and opportunity cost) is less than your potential rent expense... Then it is an asset.. But if you go overboard and overspend on a house you don't really afford.. Then it will be a liability by Robert Kiyosaki's definition... Just my opinion...

@camillemendoza4090 Жыл бұрын

I would agree talaga dun sa consolidation of high interest bearing loans. Grab the opportunity where interest can be minimized.

@xyzmsbright Жыл бұрын

Sa amin ng husband ko, pera nya, pera nya. Pera ko, pera ko 😊 We just have our bill assignments. He pays majority of the expenses because he's earning more. He pays for the house. I pay for the car. So far, this works for us. Hindi ako ma shopping/not maluho. I see to it na I save money so that when the time comes na magkulang ang pera ng husband ko, ready ako to support him financially.

@angiegillo87 Жыл бұрын

Lumakas nmn ang loob ko ng sabhn mong bahay is an asset not liability 😊 bumili kasi ako ng bahay ngaun dhil tagal n kmi nagrerent lng, now rent to own n kmi. ❤

@jsyj6998 Жыл бұрын

Hi miss Thea, pa'no po maging well-versed sa excel/google sheets hahahaha penge tips!!! Currently have your free spreadsheet and i am in love with it!!!!!

@chrysanthemumbuena1765 Жыл бұрын

Teata, gusto ko po yung gigil sa argument ng house as liabilities hahaha 😂

@TheaSyBautista Жыл бұрын

Hahaha fyt me charot lang. Love peace and happiness lang tayo ✨

@AbaoRoland Жыл бұрын

sa first date, the guy should shoulder the bill. pero sa succeeding dates, pwedi na 50/50

@TheaSyBautista Жыл бұрын

Turn off ba pag hindi nag offer ang ka date mag pay ng share?

@28groundzero Жыл бұрын

i love this Q&A so refreshing yung insights mo

@SheenaRN90 Жыл бұрын

As for me, if i have a high interest debt, i still have to start saving for an emergency fund while paying for the debt I have. We don’t know when life will strike us a again. Better be ready the second time around. We don’t need to stress ourselves for saving a large chunk of money for EF, just set a aside any amount you have (eg. Sukli or any amount that is left from the monthly budget you had) on top of the monthly EF budget mo. Eventually, your EF will be fully funded than you expected it to be.

@patriciasanjose3967 Жыл бұрын

Thank you for always sharing your thoughts and knowledge, Tita! I totally agree with everything you said. 😊

@raymondcunanan1135 Жыл бұрын

How do you stop spending money on things you don’t need? Simple, find happiness on simple things that are available freely.

@jamflores5669 Жыл бұрын

New subscriber here grabe nabinge watch ko na yung mga videos mo like ang daming learnings talaga 🥰 more videos like this pooo

@raysh1234 Жыл бұрын

More of this pls ❤ Very informative and relatable, parang nagkwekwentuhan lang 😊

@glichellebriones8861 Жыл бұрын

Grabee! Very informative video.

@artemis543 Жыл бұрын

I agree with the no gender roles.. Same stand with you regarding dating..

@mayigarzon9019 Жыл бұрын

namiss ko 'to Miss Thea!!sorry late ko na nawatch pero syempre uulitin ko uli😅 same din siguro sayo pag di na ako makatulog sa kakaisip lol!!saka ko na ichecheck out ang nasa cart ko😊 pero pag nakalimutan ko na meaning bugso ng damdamin ko lang yun.more vids like this kahit 40 mins.❤

@LifeDiarybyDeovil Жыл бұрын

More Q&A content please.. Very informative 😍😍😍

@angelmaeee Жыл бұрын

Gained knowledge again and super glowing ka po, love the skin! 💖

@chrisc5991 Жыл бұрын

I consider my headsets po as an asset kasi mas marami po akong audiobooks na natapos compared to buying the hard copies and reading them(though maganda naman kasi mas engaging).

@ricajpg Жыл бұрын

A lot of things can be classified as your asset naman. Even your phone and jewelries. But devices like your phone is a depreciable asset since nababawasan ang value nya over time.

@marcanthony7207 Жыл бұрын

Moreeeee! Need more sampal sa reality from you po 😂❤️

@joenilcofreros7055 Жыл бұрын

Very insightful, Thea 🤓

@bellepangilinan3203 Жыл бұрын

Yeyyyyy i miss ur vlogssssss

@TheaSyBautista Жыл бұрын

Nakakamiss din mag film & upload!! The editing part not so much parin hahahaha

@KatherineSinahon Жыл бұрын

frr sa date, default dapat na kung sino yung nag aya, siya yung magbabayad :3

@czarinarabano3554 Жыл бұрын

hi po i really enjoy watching your vid and vlogs about finance and investments. 😍 im turning 28 this year and so far wala pa po sa 200k ung ipon ko wala pa din po me sarilu house or car may advice ka po ba if wise ngaun maginvest sa stock market? and if yes san po kaya maganda

@sheynonymous Жыл бұрын

Inlove your thoughts about house being an asset

@La.la06 Жыл бұрын

"distraction sa ultimate goal" louder po ate para marinig ng kapatid ko 🤣🤣

@eddesonjaybutalid7692 Жыл бұрын

Love this so much

@marsplanet6734 Жыл бұрын

Felt bad. Pag cnasabi ng mga tao na "buti pa daw ako may bahay na" lagi kong sinasabi, "naku. liability pa un, hndi pa akin un kasi binabayaran ko pa" dapat pala hindi. Thank you so much, na realized ko kailangan ko palang maging thankful kasi galing un sa pagttrabaho ko. Kahit hndi pa tapos ung loan ko sa bahay, hndi nmn ako tumitigil magtrabaho para mabayaran. Tama po ba? Thank youuu so much sa vid na 'to Miss Thea :)

@keithllenaresas3066 Жыл бұрын

more content like this please🙂

@joannamariepescadera1365 Жыл бұрын

When I was earning 13k way way back, I was able to save half of my salary

@TheaSyBautista Жыл бұрын

Kaya magsave diba! Meron akong mga kakilala mas marami pa savings noong lower income nila than now na way better ang salary. Pero ayun lang, mahirap talaga magsave with min wage kung breadwinner at maraming dependents.

@mikaalmodal1198 Жыл бұрын

Yey for new video 💖

@andrearose7099 Жыл бұрын

can u do a full video for citibank?

@liezlmelendres5046 Жыл бұрын

Truth Ms. Ms. Thea house is an asset

@TheaSyBautista Жыл бұрын

But this is not to say all properties are good assets! Syempre as with any other investment may mga di sulit or pangit ROI

@daldalerongvlogger Жыл бұрын

D ko po makita ung vlog mo sa japan

@sayit9339 Жыл бұрын

50/50, because why not? We, girls, want equality. Tsaka parehas lang naman kayong kumain. Lol or pay what you order. Para maiwasan un mga freeloader. Charot

@TheaSyBautista Жыл бұрын

Hahaha ayaw natin ng freeloader. Dapat may ambag

@user-fg6re2km6y Жыл бұрын

I see na ang taas ng credit limit mo huhu. Can you recommend some steps to take para along the way mawork namin yung way namin para mapataas ang credit limit? Lalo sa freelancers. I saw Citibank require us to submit AFS na which hindi naman required sa less 3M annual gross ng business/salary. Thank you! Currently nasa 20k-50k lang ang limit ko.

@TheaSyBautista Жыл бұрын

Tbh may time before na may binabayaran kaming malaking amount monthly then dinadaan sa card ko para maka earn ng miles. So malaki boost non sa CL ko from 300K to 600K yata. Tapos halos every year nag iincrease na sila. Yung Citi ko matagal sa 800+k e parang 2-3 yrs ata pero recently nasa 7 digits na.

@KatherineSinahon Жыл бұрын

feeling ko i also need to take accountancy / business courses .. at least I could equip myself with the basic stuffs para di ako makagawa ng mga mistakes na maari kong pagsisihan

@ricajpg Жыл бұрын

If you're not planning to pursue a career related to accounting, taking up business course will suffice. Business courses also has basic accounting 1 and 2 included in their curriculum plus basic taxation.

@liezlmelendres5046 Жыл бұрын

Oh m g kakanood ko lng uli ng mga past vlogs mo Ms. Thea kasi i really miss your vlog

@TheaSyBautista Жыл бұрын

More vlogs coming soon! Nag hire narin ako ng editor pero tuturuan ko muna 😅

@liezlmelendres5046 Жыл бұрын

Haha go Ms. Theaaaa rooting for 1m subscribers

@annakassandraalcazar3462 Жыл бұрын

Hi Thea Automatic bang maging NAFFL ung rewards card ng CITI basta makaspend ka ng k for mos? or may need pa ako tawagan sa customer service nila?

@evonpanelo8295 Жыл бұрын

Thank you Ms. Thea for this 😍😍😍

@evonpanelo8295 Жыл бұрын

Grabe effect sakin ng tiktok budol 🥺🤦🏽‍♀️ i cannot 😭

@TheaSyBautista Жыл бұрын

@@evonpanelo8295 naku ingat sa tiktok. Malakas mangbudol lahat nalang ginawang affiliate link kahit walang sense yung item HAHAHA sorry na

@evonpanelo8295 Жыл бұрын

@@TheaSyBautista totoo po ms. Thea!!!! Kaya po ngayon, ginagawa ko po best ko para hindi madestruct sa mga tiktok budols na yan 😅 hayst

@DianaOldfield Жыл бұрын

You are such a Tita by telling off the FAs about them saying that a property is a liability! I myself is getting miffed with them and their commission-driven narrative! Nakakainis!

@TheaSyBautista Жыл бұрын

😅 i’m all for getting insured, pero di mapagkakailang ang daming FAs who don’t know what they are talking about

@wakoko156 Жыл бұрын

Is it okay to avail a loan para mag avail ng franchise of a small business like coffee shop?

@bellepangilinan3203 Жыл бұрын

Kindly make a video po about Tala loan app if okay ba sya

@MultiMArky14 Жыл бұрын

Hanggat nakatira ka sa bahay mo at hindi mo pinapaupahan yan liability yan, the moment na binenta mo or pinaupahan mo that’s considered as asset, remember na double sided lagi lahat ng investment,