WHAT I SPEND IN A MONTH 💸 ✨ (+ the cost of condo living) | Tita Talks 🍵 

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).

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 :)

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

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. 🙂

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 ❤

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.💞🤸

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 🤣

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.

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.

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.

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

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

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.

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

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! 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 💗

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

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

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

“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. 😍

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

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

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

This proves that 37k is really a not livable wage!! 😂

👀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.

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)

ang listahan ko lng ay house rent 10k water bill 200 telephone bill 3k electricity 1k the rest puro savings na food 10k

Can you do a condo tour sa new place mo? Parang ang cute kasi looking from the background. Please? Hehe thank you!

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😊

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!

Hi! Can you tell us more about the credit score review? I'm curious about it. I feel like isa siya sa mga dapat alamin ng tao. Hope you read this. Thanks a lot! :)

I'm amazed with how you handle it all on your own. Nalalakihan kayo sa monthly expense nya? Imagine gaano kalaki investment port nya since She's able to set aside 60% of her income on investments. Very inspiring. Ang galing! ❤️

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

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

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...

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 ❤

Kami bumibili kami sa labas ng food sa carenderia. Pero talagang nakakatipid ka sa food expenditure mo kapag may stocks ka ng lulutuin. Yung stock na di mo uubusin sa dalawang cut off.

since i have been investing and working with Morley Percy i have made so much and i think i will retire on time. she is very good at this

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

I enjoyed watching this as well as reading the comments. Grabe yung breakdown ng expenses, down to every bit of small expenses. Kaniya-kaniya lang - some may live comfortably spending quite a lot, some may not have to spend this much, but this teaches us to be mindful of every single expense we make each day, every month.

I tried to budget and list down my expenses fortnightly tinigil ko na, nakakadismaya thatvi always go beyond the budget and laging may biglaang Expenses. So wag na magplano 🤣

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.

My gosh, almost 100k per month? I've decided. Ayoko pang bumukod. Jusko. 😱

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.

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

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

Damn, 95k for a month😐 Yung electricity talaga, di kayang tipirin. Sobrang init.

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 :)

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

Nalula ako. Hahaha. I am a single mom and wow, di kaya ng powers ko. Wish ko lang. Huhuhu...

Ms Theaa, tips po on how to find an affordable condo. Been looking for one po kasi nahihirapan talaga ako. 🥺

This is proof that Parkinson's Law also applies to budgeting. “Expenses expand so as to fill the income available for it to be paid.” If your income is P100,000 a month, you will spend more or less a 100k a month. If your income is P10,000 a month, you will spend more or less a 10k a month. We spend based on how much money we have, and when it starts to get out of budget, we start to make Choices and Tradeoffs to fit the money available on our pockets. Kaya delikado magka Credit Card. It gives you the false belief that card limit is actually income. Then when you get deeply trapped makikinig ka na kay Dave Ramsey :D

Dahil sa video na to. Narealize ko na ang liit ng sahod ko lol

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..

Sana all 66php lang sa water bill 😅

I love you, Thea! ♥️

Magastos rin ako sa food 🤣😭 guilty

Thank you for sharing, ang hirap pala magBudget kapag nakaBukod....

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 ❤

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

Goals: Maging as Tita as Ms. Thea 🤞🏻💰

Thats cheap Ty to for the info im moving in December

Oh nice personal expenses pano kaya pag breadwinner no? As in family of four any tipsss? 😊

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 ❣️

Ganitong-ganito din ako dati. Bawat sentimo nakalista pero eventually mas nangibabaw yung pagiging tamad ko hahaha. Alam ko na din kasi magkano expense namin sa bahay for the whole month kaya set aside kagad yung savings then check nalang yung mga sosobra pa.

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.

swiftie spotted ✨✨✨✨

Woah, your budget is so precise

Guys, don't worry about living on your own. I think Thea's spending is way above the spending of an average Filipino. Just always make sure to spend within your budget. Otherwise, walang sense ang pagba-budget.

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

With regards po sa books, did you buy po ba second hand? When I was in HS and elementary madalas po ako sa library or manghiram sa classmate (syempre isosoli 😆). May public libraries pa din naman po mga municipalities (like sa QC and Manila). So para makatipid sa physical books (without pirating), pwede libraries, hiram sa friend/family. Scribd subscription is sulit if talagang gamit na gamit per month. If totoong ayaw gumastos ayun, piracy 😅 madaming free audiobooks and free pdf books.

May high end makeup reviews ka po? Sobrang onti kasi ng pinoy vloggers that actually review them so ang hirap maghanap ng credible review na okay sa weather natin (and skintone) 😅😅

Yey! Another learnings! Thank you Thea!

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

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

Sounds so so expensive living kailangan malaki ang income

OMG swiftie si miss thea 😍

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

hindi ka ba naka-inverter? not bad for 15k for 2BR.. Ako kase 14k, 1 BR tapos ang liit and infested pa ng roaches. --_-- pero nabawi ko naman sa electricity since I use most of my appliances eh inverter and I only get billed 2,500 or 2,200

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

Ms. Thea na-try niyo po ba meal plans baka mabawasan din gastusin niyo sa food. I'm taking one rn 5k plus lang per month although wala for weekdays lang siya.

Hi Ms Thea! Pwede po bang mag request ng content regarding sa suggested banks ninyo for OFWs? Thank you po! :)

Good vibes always, like your ideas thank you

ilike this vlogger . Bukod sa Fluent xa mag salita, walang meme's na sinisingit...

Yay! 💖 #TheaSyBautista #newvlog #TitaTalks #certifiedSwiftie #TaylorSwift #early

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. 😘

Hello po new subs here

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

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.

Earning around 650k a month (gross of tax) pero I also spends like 250k a month (mostly consist of fixed expenses like condo amortizations and car amortizations), so I also saves like 200k a month (ang taas kasi ng tax). Will be done paying my 2 condos and 2 car amortizations in 2022 so hopefully I’ll be able to increase my savings starting 2023.

Try ABS Yu Heng incense sticks for mosquitoes. Mas mura and mas effective :) Di din kasing tapang ng amoy ng Baygon :)

Hello po Ms. Thea, pwede po ba kayong content kung pano ichecheck yung credit score? Salamat po.

Hi Thea! Saw your twitter post. Pano na achieve ng wala pang half year target growth mo??

Ms Thea, Anong tawag sa subscription mo sa Credit Score para sa Philippines? Thank you for responding in advance. God bless to your channel.

JOJOWAIN! Ay mali pala 🤣 future hubby will be lucky to be with someone who is financially stable. Adopt me Thea!!!

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

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.

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

Very Nice Content

yung home & transpo nya, sahod ko na ng pang-2 buwan. 🤣 di bale, yayaman din ako sa stocks at crypto ko.