Thank you for watching the premiere with us!! Sana makatulong tong content sa mga currently struggling in life, finances particularly. Please know na may pag-asa pa yan, you just have to believe in and work on your self, seize the opportunity, build your network, and aim for continuous improvement -- kahit little by little, basta may growth. Love you all teatas and teatos!

Is it just me? I’m tearing up a bit. :’( Thea was one of the first PH youtubers who inspired me to get my shit together financially. I also made the same mistake that you did which was loan money on behalf of a friend and now I’m paying for it because he can’t :( Thanks for sharing this so openly, continue to inspire more people, thea!

Every school and universities should HIRE you to speak at their graduation services, ala Dr. Taylor Swift, ganern! The younger gens MUST hear your story. Proud of you girl! 🚀🥰🙏

Waaah. Why am I crying!? I consider you as one of my financial coaches. I am trying so hard to build up my finances after series of mistakes through your tips and suggestions. I try to recreate a template based from your temps just to help me achieve my financial aspirations. More episodes like this please.

Learning from other people’s experiences is really the best teacher. You don’t need to experience it first hand to learn the lesson in each mistake. Thank you, Ms. Thea for sharing your experience with us! I’m not in the exact situation, but I’m in the process of recouping my savings from the past years after a lot of personal expenses. Hopefully, I get to recover ASAP. 😇🙏

I love this so much! Grabe ang taboo to talk about financial mistakes and bad decisions na sometimes it's being swept under the rug. Minsan nagiging anxiety-inducing and stressful talaga siya na parang ayaw nalang harapin or pagusapan. 🥺

Thank you for sharing your story Thea. In my opinion hindi ka naman late bloomer. If anything mas late bloomer pa yata ako kasi ako I'm now in my 30s pero ngayon pa lang nagsstart ma awaken sa aking personal finance. I spent most of my 20s living from paycheck to paycheck because napaka gastador ko, YOLO and FOMO mindset. Kain dito, kain doon, travel dito and travel doon. Ngayon I'm starting from scratch din, di ko muna maishare in detail kasi baka I have friends who follow you as well. Can't wait na makahinga hinga ng maluwag ulit. Salamat sa pagshare ng iyong experience, maswerte younger generations na they have content creators like you as inspiration na sana nung panahon natin ay meron din tayo. :)

sana hindi pa too late for me to reboot my finances. my mom also took out a loan under my name. then i lost jobs so it was a very hard time because agencies are hounding me. could not even answer a call kasi i feared na naniningil yun. ok naman na sya ngayon kaso di ko sure kung ok pa credit record ko. may work naman na ako na medyo mababa pero enough to get me by at makapagtabi ng pera. sana di pa huli lahat for me para mapalago yung mga pinaghihirapan ko :( im turning 27 this year.

Dang! Thea, I've been a silent follower but I just want to let you know that you are super inspiring, especially this video. If you consider yourself a late bloomer, mas lalo na ako. I'm 32, turning 33 this year and I can say that it's only been these past 2-3 years na I improved my financial behavior and habits. I'm getting my shit together. And that's because you and other other financial influencers' help. Nakakahappy to.

More videos like this pls 🥹 ang sarap makinig feel ko may kausap ako about finances. Nakakarelate and inspired at the same time ❤

Thank you Ms. Thea for sharing this! Hopefully I will have my "with open arms, come to me" moment 😂 investing in personal growth is important talaga e. Happy Valentine's day po! 💕

Lesson learned, wag gamitin ang name mo for others benefits.. gamitin credit cards or loans for other people..

Thank you for being vulnerable and real Ms Thea! I’m sure this wasn’t easy to film. Thank you for allowing us to learn from your past mistakes ❤️

Omg! 🤯This is the content that I've been looking for the past few months. Hope we all can get back! Lavannn💓Thanks Ms. Thea for sharing your thoughts genuinely💗

I'm 24. Just had my first cc. Was looking for advices on how to manage it well, more so, maximize the perks of it --- stumbled upon your credit card video and now I'm binge watching all your uploads. You are amazing and inspiring! More blessings to you!

I literally cried while watching this Ms. Thea. I had the same experience, and I felt invincible after those experiences Thanks for sharing!

Soooo inspring!! Nakakaiyak. Waching this as a 21yo, working since 18yo, na ngayon baon sa loan sharks and slowly recovering from debts. I really feel hopeless sometimes and relate sa jowa lang napagsasabihan. Soon I'll find some answers!

Currently, going through rock bottom but slowly getting my way up. Thank you for sharing your learnings and experiences ❤

Omg di ko alam bkit ako kinikilabutan sa talk. I’m so proud of you Ms Thea!!! Manifesting to have my own properties soon. Thank you for the guidance and teata talks!!! More of this please!!!!! ❤️❤️❤️❤️

Thank you Thea, napalakas mo loob ko.

this feels so personal. gusto ko tong ganitong content, i relate so much. naiiyak ako 🥹♥️

So refreshing to hear this. Napagdaanan ko rin iyan. Now, slowly rebuilding my finances and investing more.

I feel like this is a video na babalik-balikan kong panuorin. wow! thank you for sharing. I'm also going through a rough patch in my life now specifically sa finances ko. Thank you for letting us know that it will all get better.

Super relate on the personal finance + "may utang" journey. One of my likewise #neveragain. Thank you for sharing your lesson, Thea!

this is very inspiring. I also struggle financially right now and need to do something to get through it. ❤

Grabe yung blessing na binibigay ng life experience sharing mo. God bless you more Ms. Thea.

Grabeeee! Kaya Pala sobrang powerful mo teata! I'm keeping and practicing what your advises. Thank youuu. More power

A great story, thank Tita Thea for sharing.

Got my first credit card @19 with the limit of 100+k with the help of your finances vids! PS: I've been working since 15 y/o Thanks for sharing your journey, ms thea! You're someone that I look up to, a lot :))) To more finances vids please!!! This channel is an essential part of my growth as a person, you're the financial-literate ate that I never had... BRB CRYING

Loove this series! Manifesting Tita Talks podcast soon! Thanks for sharing your story Ms. Thea, nakakaiyak.. Same tayo, late 20s na nakapagstart sa Finance journey - got insurance at 26 then the following year stocks naman. I'm a breadwinner and had to help settle my parents loans first when I had my first job. Now, I'm working on my personal growth and praying to have my emergency fund replenished due to unexpected major expenses last year, and hopefully have more opportunities & side hustles this year 🙏

Love it ❤ I love that you gave a timeline, I’m 27 now and I got encouraged to not lose hope, :)

Huhuhu very inspiring. Nabuhayan ako ng loob n maimprove ang finances ko kahit n 29 yrs old na ako. Hugsssss ❤️ So happy sa milestone mo Thea. Keep on inspiring and educating people. Isa ka sa mga unang nagmulat sakin na need ko na ayusin finances ko. 🤗

Super helpful this video, Ms Thea especially with the high inflation we're dealing right now 😊

Super ganda naman nito! MORE videos like this please. 😍😍😍

Hi Ms. Thea can you do a vlog about dollar account how to open an account and anong bank mairerecommend mo? pros and cons of having a dollar account. Thank youuu!! I trust you po when it comes to finances. vlogs mo po pinapanuod ko lage

Thank you so much for being so transparent with your experiences ❤

I am 4 years older than Thea but I learned a lot from her financially. Siya talaga nagopen ng eyes ko to handle my finances properly. So, thank you, Thea! 💕

Thanks for sharing Ms. Thea. Very inspiring. Indeed very personal ang video na ito. All the while, I thought ,"hmm..ganyan lang yan mag salita kc di naman sya maka relate sa mga nakararami eh. mayaman na man yan". But this video showed us the real you, what you went through, the struggles and sacrifices you went through para malampasan yun. Again, thanks for sharing. It gave us a lot of hope na pwede pa pala talaga magbago ang buhay namin especially kung pagsikapan lang talaga.

Silent follower ako. Ikaw ang go-to youtuber ko pagdating sa finances. Mas naging financial literate ako nang dahil sayo. Thank you ao much! Now i have 2 cc and several savings accounts. Thank you for the knowledge.

From the beginning, I always admire how you do finance things and any thing about adulting. You always serve as in inspiration to me. I hope I can use my heard advice from you, of course on top of ' I should do my best' to build a more resilient me in terms of adulting. God bless you always and keep doing what you do. ❤️😇

Thank you Thea for sharing this I've been your silent follower since day one and now I reached 30's. I learned a lot of financing. Thank you.

Sobrang powerful ng last statement. Thank you, Thea! 💕

Hi Thea I really enjoy your vlogs, been watching it since 2018 pa pero ngayon lang ako nakapag comment haha ☺ Actually ikaw yung tao na kahit matanggal sayo yung material possessions mo and mawala yun lahat, I'm sure didiskarte ka and rebuild yourself again. You are an inspiration to our generation!

So inspiring! Sobrang late bloomer na ako but already working on my finances. Sa katulad ko na from nothing yung makabili lang ng aircon para sa nirerent ko na apartment ay sobrang thankful ko na 😂 syempre inuna ko yung mga bagay na mas makakatulong sakin in the future.

Here is to all who breaks the chains and destroys the cycle of having bad finances. Cheers! ✨🎉

By far one of my favorite financial content of yours!

Pls do more of this tita talks! I really enjoyed listening to it.

This is my favorite episode of Tita Talks. ❤

Your story is very inspiring 🥹❤ I agree with the "When come from nothing, you'll learn to appreciate even seemingly small improvements in life" You're very strong! I hope you keep on educating and inspiring more people :)

Thanks for sharing, Thea! I followed you since 2019 because I had a similar financial problem that time, which I can only share to my partner. I have also cleaned up my mistakes and built a better financial plan, and you have influenced me a lot!

May pag-asa pa!

Yuhooo haha 1st comment. Excited masyado for this.

You're such an inspiration, Ms. Thea. Currently struggling sa finances. Nawala sa landas yung dating 52weeks challenge ko nung nagkapandemic, nagamit ko yung savings ko pang invest sa stocks pero til now paper loss pa din ako. Hoping na soon magiging okay din lahat and sana maachieve ko din ang first million. I manifest ko na din na sana soon makapag invest din ako sa properties like you. 😊🙏🏻

Sobrang level up ng video nato😍 BPI baby din ako kahit na reject ang first ever bank loan ko🥲..I also have my own fair share of unfortunate events and my current financial status is not that good pero being a single mom at 17, married and got separated at age 26 pero I was able to get a franchise and eventually launched my own brand last 2020 and now I just launched another business this yr and was able to get a pre selling property as well last 2021 and had my initial stocks last 2017..I can say I am slowly getting to where I want to be☺️

Thank you for your story ms. thea! Nakarelate ako even with your struggles as currently nsa self improvement stage pa lng din ako. Thank you. Btw, baka pede sa nxt content mo din topic on mga how to claim ung bpi points or convert and use ung airmiles for free flights. Hehe. Thanks! More power and God bless to you ka-teata! 😊

nothing but love for this video Ms Thea! Thank you for being sooo transparent!

It’s a huge lesson for me recently not to trust friends with money. I cut that person off because he’s a “taker”. Never trust people even the closest ones to you with your own money. Keep your money to yourself. #hardlesson

Rewatching. Nakakalakas ng loob ❤️

Love this! More more podcast style vids, ang interesting 🫶🏻

My 1st ever credit card and still up to now is BPI. 🥰 My 1st credit limit was 25K and now it increased to 6-digit limit. 😁 I still need to manage my finance. Having enough savings is one of my goals. Thanks for sharing your story! 😊

Omg, I really felt you. I experienced as well walking home from work for an hour just to save up money, not meeting friends for 2 years just to secure my savings, and doing lots of side hustles. But you are fortunare enough to have a support group like your family, partner and friends, but for me I had none. I am a bit emotional watching this because I have passed through those phases of life without little to no support from my family. :( Now, having done those sacrifices, I already paid my properties in cash, have investments in stocks, have insurance, and looking forward to my MBA graduation next year. 🙏🏼 I am 28 and will enjoy my life now after being miserable in the past 2 years. Thanks for sharing this video, I thought I was the only one experiencing this. 🙏🏼❤️

Thank you Thea for sharing these very helpful personal experiences and insights. Even tho hindi ko pa nafifigure out yung life ko at 23, I know I can always look back to your videos like this to inspire me and teach me valuable lessons 💗

Team BPI rin po ako. :) Overall satisfied naman with their services.

Super love this raw content, just you sharing your real life story. Thank you sobra, Miss Thea. Also, if you can do a vlog abt how to properly do our taxes as freelancers (I work from home as a Closer for companies based in US/Canada, and since then, I was just receiving money thru Wise/Paypal not sure po how to do my taxes) that'd be super helpful po. Salamat!!!!

Wow! This kind of unfiltered content. 😮💯

As someone who's finally wanting to own up to my imaginary savings & convert it to reality, THIS IS MY RESEARCH. THANK YOUUU SO VERYYY MUCH for being on youtube and being thorough with all of us on here. 🔥🔥🔥💌💌💌

I AM IN MY HUGE FINANCIAL TRIAL RIGHT NOW, THANK YOU FOR THE POSITIVE LESSONS 🥺

Thank you for sharing your journey Ma'am. It inspired me to be more mindful of my spending habits and the way I handled my finances. ♥️

an inspiration indeed!

I super love this content. Di ako nawawalan ng pag-asa na one day I have enough savings and investments. I am a resigned public school teacher. Pero i am building my freelancing journey which made my cash flow better.

Thank You for sharing your experience❤I Love BPI it’s my first ATM and CC for a year and counting na.Take note hindi ako nag apply ng CC ha pero dahil sa maganda performance ng savings ko sa bank si BPI na mismo nag offer sa akin grinab ko opportunity kasi di madali maaprove sa CC pag mag aaply.Malaking tulong si CC sa kin till now I’m responsibly using it 💕

Oh wow. What a nice talk 🥺

Very inspiring. Thanks Ms. Thea for this . More power po..

Ms Thea magpodcast ka na din. Sarap pakinggan 😍

very inspiring Ms.thea. i always watch your vlogs. Dami ko natutunan. Continue to be awesome!

I really loved your wisdom and to share it to us. Im financially struggling right now but i know god will provide and help me to this problem, caused problems always have a solution you need to make a move den.

Yes!! BPI is my bank ever since highschool. At 16 yung savings accounts nila with 0 maintaining balance is so helpful, hanggang nag ka work they witnessed my financial growth, also my first credit card, they’re the reason I have insurances now, looking forward ako sa next step of taking up a loan to purchase my first property at 25 (palalakasin ko muna loob ko to take up a loan). Thank you ate Thea for sharing your journey! ❤️

Yes !!! can relate , late bloomer din ako sa finances but at least nakapagstart and kasama ka sa journey ko ms Thea salamat ! now matatapos ko na ang insurance ko . sa mga advices mo , delayed gratification and all . Still praying pa din to be blessed financially para din sa mga needs and to be a blessing sa mga taong nakapaligid sa atin ! AJA ! more power mga Tita !!!!

You are an inspiration. Im also starting to bounce back after making bad financial decisions. Dapat focus talaga sa Cashflow, Saving and Investing. More power 🙏

I always love watching your vlogs and I proudly share your channel to my friends. 💙

Really love tita talks by thea talaga ❤

This is so inspiring! Silent follower and fan here since your beauty content era. More power to you!

Thank you for sharing your journey with us, Ms. Thea! You are the very first PH youtuber who taught me how to manage my finances, ikaw rin yung naka push sa akin to not fear owning a credit card. Ilang ulit ko pinanood yung mga videos mo about credit card just so I can convince myself that credit card isn't bad. So thank you.

Love this! Can't wait for the next episodes! 🥰

I'm paying million of debts because of my business financial stupidity. I have so many mistakes, pero hopefully once I'm done, I will be better with finances.

Thank you so much for sharing this Ms. Thea! ❤️ Had to go through the same thing na may mga pinautang akong people back in 2020, actually until last year 2022. I also felt the shame sa sarili ko na dapat I should have known better back then lalo na hindi pa naman ganun kalaki ang savings ko. So to this day na di pa rin nila ako bayad, iniisip ko nalang na charge to experience yung nangyari and those people na nangutang really needed that money for emergency. But now I learned my lesson and I'm looking forward to saving more this 2023 😊

Wohoooo. BPI number 1. 👏👏👏👏

Same here, tita! Started from almost zero at age 27 huuu. Now slowly building up a nice foundation. More power, Tita Thea!

Very inspiring. Thank you for sharing your experience..

Ang ganda ng life lessons in this video, Thea! Thank you for sharing your experience. 🥹

So helpful. As always 🙌

Nakaka-inspire ka po ❤

Hi Miss Thea. Do you have a video about fixing credit score/history? I'm now just trying to fix some bad financial decisions and I'm binge watching your videos and learn.

so inspiring. as always. thank you for sharing!

😭😭😭 Ms.Thea super relate ako sa lahat ng naging vlog mo dito ako tlg naiyak.kc nsa process plng dn ako. Thank you so much for diz 🙏🙏🙏 it gives me hope 🙏❤️❤️❤️

this is such a touching story Thea. thank you for being so vulnerable. I can't imagine how much stressful ung times na un ng buhay mo. How did you still stay in touch with your friends during the 2yrs of recovery mo at nagtitipid ka instead of going out with them?

Wahhh thank u Ms Thea for doing this. Touche yung part na 'when u come from nothing, you enjoy simple improvements in life.' 🥲 Buti na lang we have u to share ur journey and wisdom and to teach us. First time kitang napanood I admit medyo na overwhelm ako sa 1st budget spreadsheet mo so sabi ko 'shocks complicated naman' then I binged ur other contents and idol na kita now hahaha! This yr pa lang ako magsstart magwork as a fresh grad and sana maging fruitful din ang journey ko. Thank you sa iyong influence at natanggap ko nang need din pala talaga magsacrifice 🥲 Also, ikaw talaga yung ate na I wish I had in my life uwu. To more episodes like this!! ✨

nakaka inspire Ang story mo. I learned a lot.

Thank you for continuously inspiring us Ms Thea, so relatable ung experiences about pagpapautang. Hays! Pero taken from you makakabawi at makakabawi rin ako :) More power to you Ms Thea

Hahaha! Natawa naman ako sa mic mo na naka tinidor. New learnings again. Thank you! 😁