My Personal Finance Journey 💰 | Overcoming debt and getting good with money | Tita Talks 🍵

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  • čas přidán 9. 02. 2023
  • Turning our Tita Talks into a series of chill kwentuhan sessions about adulting, life experiences, and learnings.
    For reference:
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    Regular mic = regular upload
    This video is in partnership with BPI.
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Komentáře • 284

  • @TheaSyBautista
    @TheaSyBautista  Před rokem +77

    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!

    • @ryoko206
      @ryoko206 Před rokem +2

      next video: savings vs checking account and personal loan and business loan

    • @solitarydiaries7273
      @solitarydiaries7273 Před rokem

      Miss Thea, I received a notif from this video that I was shortlisted for your giveaways but it seems in a different YT account. Legit po ba?

    • @TheaSyBautista
      @TheaSyBautista  Před rokem

      @@solitarydiaries7273 sorry that’s a scammer po. Already blocked the account

    • @nate8631
      @nate8631 Před rokem

      Hi, question ko lang what if yung mom and dad mo kept asking for money and wala ka magawa dahil wala din sila maaaasahan, how can I rebuild my finances kung I always end up zero…

    • @thepawsfulliving
      @thepawsfulliving Před rokem

      I'm waiting for the next episode 😊

  • @vianoel
    @vianoel Před rokem +103

    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!

    • @sheeepogi
      @sheeepogi Před rokem +2

      Same. Akala ko ako lang naiyak dito huhu. Thank you so much Tita Thea for sharing. 💖💖

    • @ninonazreenmatic
      @ninonazreenmatic Před rokem +1

      I also started to see her on my home feed a few years ago and to see that she's still going strong and her channel gives me such joy. We really are titos and titas now!

    • @supercalifrgiTrissie
      @supercalifrgiTrissie Před rokem

      Totally agree with this. 💯

    • @bjjunio7829
      @bjjunio7829 Před rokem +1

      Ako din, naiyak. Im at this point of my life na may financial crisis akong hinaharap, pero after watching this, na inspire ako. At sana makaya ko din gaya ni Teata. 🙂

    • @TheaSyBautista
      @TheaSyBautista  Před rokem +3

      Aww thank you for watching the content. Super nakaka taba ng puso knowing na may mga natulungan yung videos. Lesson learned talaga never to lend money most especially money that you don't have, and huwag mag co-borrow/gurantor ng loan. I shared in one comment na nakatulong magmotivate yung setting milestones. For example, the total debit is 100K, set 80K, 50K, 25K, 10K milestones para you feel the progress. I am sure you will get through it! Tita ba masyado if I say AJA AJA FIGHTING?! haha

  • @angeloscofield1384
    @angeloscofield1384 Před rokem +25

    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! 🚀🥰🙏

  • @ryanmanuel-cabalquinto1317

    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.

  • @rizgonzales3326
    @rizgonzales3326 Před rokem +3

    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.

  • @ppp_911
    @ppp_911 Před rokem +13

    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. 😇🙏

  • @NCortz
    @NCortz Před rokem +1

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

  • @maicojuangco3232
    @maicojuangco3232 Před rokem +4

    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. 🥺

  • @Jelly-sk2ry
    @Jelly-sk2ry Před rokem +6

    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.

    • @Riz3516
      @Riz3516 Před 10 měsíci

      Same age and sentiments.

  • @Sophia-nj9tk
    @Sophia-nj9tk Před rokem

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

  • @billyjoesarangelo1608
    @billyjoesarangelo1608 Před rokem +2

    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. :)

  • @whenisaydani
    @whenisaydani Před rokem

    Thea, I needed to hear these. Thank you!

  • @dailycami
    @dailycami Před rokem

    Really love tita talks by thea talaga ❤

  • @VanessaVictorino
    @VanessaVictorino Před rokem

    Galing!! Proud of you sis!! 💕

  • @nina-fu8kq
    @nina-fu8kq Před rokem

    so inspiring. as always. thank you for sharing!

  • @buzzingmommybee
    @buzzingmommybee Před rokem

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

  • @chroniclesofjedzki
    @chroniclesofjedzki Před rokem

    love this!

  • @jeanaguas8459
    @jeanaguas8459 Před rokem

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

  • @majesax
    @majesax Před rokem

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

  • @lacrzajejdjd
    @lacrzajejdjd Před rokem

    Wow! This kind of unfiltered content. 😮💯

  • @nenmilgabiran9809
    @nenmilgabiran9809 Před rokem

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

  • @raydeancatabay9941
    @raydeancatabay9941 Před rokem

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

  • @rhowenbelisario5780
    @rhowenbelisario5780 Před rokem

    Wohoooo. BPI number 1. 👏👏👏👏

  • @lowelljuanillo9547
    @lowelljuanillo9547 Před rokem

    I really love your content po Miss Thea 😍

  • @heyyokay1999
    @heyyokay1999 Před rokem

    Rewatching. Nakakalakas ng loob ❤️

  • @thylordjay
    @thylordjay Před rokem

    So helpful. As always 🙌

  • @aaronarvinandrade4277

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

  • @silenteyes6761
    @silenteyes6761 Před rokem +1

    an inspiration indeed!

  • @markanthonyarambulo2012

    By far one of my favorite financial content of yours!

  • @Vagren
    @Vagren Před rokem

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

  • @vanessajaneasong
    @vanessajaneasong Před rokem

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

  • @PHfoodcrawl
    @PHfoodcrawl Před 10 měsíci

    This is my favorite episode of Tita Talks. ❤

  • @zarahrodriguez3395
    @zarahrodriguez3395 Před rokem

    Quality content!!! 👏

  • @lloiserosalinda
    @lloiserosalinda Před rokem +1

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

  • @moneecaperez7594
    @moneecaperez7594 Před rokem

    Thank you so much for this. 💛

  • @annamarieaverion7186
    @annamarieaverion7186 Před rokem

    Nakaka-inspire ka po ❤

  • @ma.janeanbalistoy3707

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

  • @jinswel319
    @jinswel319 Před rokem

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

  • @Studylawwithme
    @Studylawwithme Před rokem

    Oh wow. What a nice talk 🥺

  • @sasasbeautyshop4490
    @sasasbeautyshop4490 Před rokem

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

  • @patriciabiancaevangelista5354

    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

  • @quenniemarthadiez1606

    Wow! Thank you Thea for sharing your story. You are really an inspiration! Continue to be so. God bless you more :D

  • @wencexcarelle
    @wencexcarelle Před rokem

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

  • @mushroomlegion
    @mushroomlegion Před rokem +3

    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 ❤️

  • @sheilamarielantaca6335

    Very inspiring, an eye opener. :)

  • @cathychan-rj6tw
    @cathychan-rj6tw Před 8 měsíci

    Thank you Thea, napalakas mo loob ko.

  • @sincerely2086
    @sincerely2086 Před rokem +1

    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! 💕

  • @queeniepigar3572
    @queeniepigar3572 Před rokem +1

    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💗

  • @muneika4395
    @muneika4395 Před rokem +2

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

  • @mariaefrancohabijan2763

    Thank you for sharing your journey 🙏

  • @mariaklara7877
    @mariaklara7877 Před rokem

    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. ♥️

  • @jenniferautor4364
    @jenniferautor4364 Před rokem

    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

  • @JewelryRosabel
    @JewelryRosabel Před rokem

    Thanks for sharing your story!❤

  • @keziahgantala4867
    @keziahgantala4867 Před rokem

    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

  • @Millejoy07
    @Millejoy07 Před rokem +1

    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!!!!! ❤️❤️❤️❤️

  • @DianaIngente
    @DianaIngente Před měsícem

    A great story, thank Tita Thea for sharing.

  • @marvinorfano9532
    @marvinorfano9532 Před rokem +1

    Yuhooo haha 1st comment. Excited masyado for this.

  • @helloitsmavi
    @helloitsmavi Před rokem

    This is so inspiring. I hope I'll get to do the same in my life. 💛

  • @janetjoyrubrico8621
    @janetjoyrubrico8621 Před rokem

    i super love this

  • @rzm17
    @rzm17 Před rokem

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

  • @itsmevan2023
    @itsmevan2023 Před rokem

    Very inspiring. Thank you for sharing your experience..

  • @janinecabanas8507
    @janinecabanas8507 Před rokem

    super inspiring content ❤

  • @genbendanillo8628
    @genbendanillo8628 Před 11 měsíci

    Inspiring!!!

  • @alphstergarcia9269
    @alphstergarcia9269 Před rokem

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

  • @vearollo2459
    @vearollo2459 Před rokem

    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 💗

  • @rosemariecuevas456
    @rosemariecuevas456 Před rokem

    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.

  • @dev.jessicabonzo
    @dev.jessicabonzo Před rokem

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

  • @gracetongco9159
    @gracetongco9159 Před rokem +1

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

  • @jaddlouieuvas
    @jaddlouieuvas Před 8 měsíci

    Good job po!

  • @lurielleleine
    @lurielleleine Před rokem +1

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

  • @jehanaamerol909
    @jehanaamerol909 Před rokem

    nakaka inspire Ang story mo. I learned a lot.

  • @omgLeyy
    @omgLeyy Před měsícem

    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!

  • @itsmeyuki6298
    @itsmeyuki6298 Před rokem +8

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

    • @TheaSyBautista
      @TheaSyBautista  Před rokem +1

      Iba diba rin ang fulfillment diba pag naovercome mo lahat? Somehow it gives you an assurance na you can overcome bigger hurdles in life!

    • @itsmeyuki6298
      @itsmeyuki6298 Před rokem

      @@TheaSyBautista 😭 tama po. kaya ngayon feeling ko lahat ng trials sa buhay ko pancit canton na lang. char.

  • @ataraxia9409
    @ataraxia9409 Před 4 měsíci

    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!

  • @mikikijiki
    @mikikijiki Před rokem

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

  • @jmoa27
    @jmoa27 Před rokem

    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!

  • @hiiammaryah
    @hiiammaryah Před rokem

    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. 🤗

  • @joenilcofreros7055
    @joenilcofreros7055 Před 10 měsíci

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

  • @simscreations9533
    @simscreations9533 Před rokem

    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.

  • @ynadelosreyes5648
    @ynadelosreyes5648 Před rokem

    This is so inspiring co tea-ta. We all make mistakes at importanteng may kinatutunan tayo from them and rise back up 10X better! I'm so proud of you tea-ta! More power to you and your advocacy on teaching fellow tea-tas and tea-tos on personal finances.

    • @ninonazreenmatic
      @ninonazreenmatic Před rokem

      It's so easy to judge people who made financial mistakes but unless you go through them yourself you won't actually learn from said mistakes. Happened to me and although ideally they shouldn't have happened in the first place, they did and now I've honestly learned a lot from it.

  • @0910ruffy
    @0910ruffy Před rokem +6

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

    • @TheaSyBautista
      @TheaSyBautista  Před rokem +2

      glad this video has helped you in a way! one battle and one win at a time

  • @katrinajeanortego7885

    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. ❤️😇

  • @xyzmsbright
    @xyzmsbright Před rokem

    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.

  • @redguardian15
    @redguardian15 Před rokem +1

    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! 😊

  • @robincarlafeliciano8711
    @robincarlafeliciano8711 Před 10 měsíci

    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

    • @robincarlafeliciano8711
      @robincarlafeliciano8711 Před 10 měsíci

      Also I almost thought of taking out a car loan so that this person can have a commute for work. But damn, dodged a freakin’ bullet. #hardlessonearned

  • @pearlrosalita502
    @pearlrosalita502 Před rokem

    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 🙏

  • @kringklebells8358
    @kringklebells8358 Před rokem

    😭😭😭 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 🙏❤️❤️❤️

    • @TheaSyBautista
      @TheaSyBautista  Před rokem +1

      Lovette!! Ang laki ng credit limit mo at 19!! Continue taking care of your credit score para when the time comes & you need to take out a loan for your property/business, you can negotiate the interest rate!
      Also, thank you so much for watching the videos. Hanggang ngayon kinikilig parin ako whenever viewers tell me na nakatulong yung content sa kanilang finances.

  • @kayepowt
    @kayepowt Před rokem

    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.

  • @gelaalex
    @gelaalex Před rokem

    Ms Thea magpodcast ka na din. Sarap pakinggan 😍

  • @estherjanetorres8724
    @estherjanetorres8724 Před rokem

    This is very inspiring

  • @belledearest
    @belledearest Před rokem

    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! 💕

  • @lovekrism7816
    @lovekrism7816 Před rokem

    Love this vlog. Nabitin me. Hoping soon i have my cashflow.

  • @MyEClassinBytes
    @MyEClassinBytes Před rokem +1

    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! 😊

  • @rosedc1847
    @rosedc1847 Před 11 měsíci

    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.

  • @superpaps814
    @superpaps814 Před rokem

    Grabee naiyak ako

  • @Eyajaponesa
    @Eyajaponesa Před rokem

    Inspiring story. Keep it up.

  • @vanessap.1448
    @vanessap.1448 Před rokem +1

    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.

    • @kgtruestory
      @kgtruestory Před rokem +1

      Kaya mo yan Vanessa! Fighting!!!

  • @wilmacoronel9731
    @wilmacoronel9731 Před rokem +1

    Second comment. ILOVEYOU MISS THEAA 🤍🤍🤍

  • @kgtruestory
    @kgtruestory Před rokem

    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!!!!

  • @dArdentTUTvlog
    @dArdentTUTvlog Před rokem

    You look extra pretty without your glasses, Ms Thea! 😍😍😍

    • @TheaSyBautista
      @TheaSyBautista  Před rokem

      Thank you!! Pati sa wide angle lens yan, lakas makapayat haha