sinking funds 💰 (+ FREE spreadsheet) | my first million 🎯
ฝัง
- เผยแพร่เมื่อ 18 พ.ค. 2024
- have you ever felt like your savings is stuck at a certain level, no matter how much you try to budget and manage your expenses? 🤔 your tita has been there, too!
in the first episode, i talked about some of my key learnings while working on my first million milestone. 🌱 today, let’s work on yours, too! 💫 i’m sharing with you the system and FREE spreadsheet i set up to help me surpass that “limit” on my savings, and eventually reach the first million mark! 🎯
if you’re working on your first million, share with me your progress on ig stories. don’t forget tag me @theasybautista, and use the hashtag #myfirstmillion! 🎯 AJA!
🧡 download ING app & open an ING Save account to start your sinking funds today!
iOs: apple.co/3giw9k4
Android: bit.ly/3KWI9G1
🚢 sinking funds calculator and tracker:
bit.ly/myfirstmillion_sinking...
🎯 my first million playlist:
bit.ly/myfirstmillion_playlist
this video is in partnership with ING Philippines.
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☎️ for business/sponsorships: hello@theasybautista.com
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my first million / personal finance / personal finance / budgeting / savings / expenses / income / sinking funds
thank you po for watching the premiere with us!!! 🍿 comment nyo po anong sinking fund plan nyo pag ipunan. 💰 btw you can download the FREE spreadsheet in the description box 💓 happy savings!!! cheers to reaching out first million 🍻
Thank you sa Free spreadsheet..
Hi Ms. Thea po sa free tool, excited na ako gamitin sya. Ask ko lang po paano po pag more than 5 yubg sinking funds pwede po ba mag add ng column or paano po yung formula nya? Thank you po ✨☺️
Thank you, Ms. Thea! Love watching your videos! 🥳
Hi Ms Thea how to download spreadsheet? Thanks
Hello Miss Thea, I've watched your video about emergency funds last year and I started to build my emergency fund since then. When Typhoon Odette hit our hometown and destroyed our house, I have money to help my family because of that emergency fund. Now, I'm starting to replenish it. Thank you for sharing your knowledge.
i hope you and your family are fine!!! ☺️
Sobrang nakakarelate talaga ako sa SINKING SAVINGS. Yung 500k na sana, biglang bumalik sa 300k. Heto, pahirapan na namang bumalik sa 500k. Sana makamit ko na talaga ang first 1M ko.
THANK YOU FOR THIS MAM!! 💗 GOD BLESS YOU MORE 🙏🙏
This is so much helpful. Thank you for the great content Thea! ❤️
As always thank you for adding value towards improving our financial lives
Love this ❤️ Sobrang inaabangan ko tlaga tong series na to! Thank you Ms Thea ❤️
Super right timing! Kaka-set up ko lang ng ING account ko and my schedule meeting kami ni hubby about our finances tomorrow. Super helpful nito, thank you!
Worthwhile content as always! Thank you for sharing, Thea! This is so helpful to me too. You're a blessing, Thea! 🎉💖🥰
Super helpful ng tracker!!! Thank you, Thea! 💕
So much valuable content as always! I was waiting for your content and spreadsheet this week. THANKS 🙏🙏
Thanks for sharing and for all your hard work on the templates! Super helpful!
Thank you for making realistic video. 🥰 Please do more! You’re helping a lot of people especially me that I am in my 20s and just entered the real world life 🤣
Thank you for this!! This is what i didn't know i needed. ❤️
Thank you Thea for creating and sharing this!
Thank you Ate Thea!!! Have been your subscriber for more than a year already!!!
The spreadsheet sinking fund wow thank you Ms Thea 🥰👍
It is really important to have sinking funds and make sure those categories mean so much to you and make it your WHY POWER para valued mo talaga ang pinaglalaanan mo through that sinking fund. I have mine through the envelope system which has been doing good so far. Now on my 4th year. After different sinking funds per year later, I was able to attend my dream concert, enroll in the grad school, and yearly Christmas gifts for my family. It all depends on your status as well and priorities. I will check out the tracker Tita Thea and thank you for this informative video. 🙏🏻💗
Thank you MS. Thea! Always love your content. :)
Thank you Ms Thea for another useful vid and tracker 🥰
Ang galing ng excel file! Thank you Ms Thea. :)
Grabe!!! You’re really my lodi ms. Thea!!
Waaahhh Free Spreadsheet again!! Sobrang thank you po, apaka generous pooo💕💕
Thank you for introducing us to sinking funds!
I am a CPA but I really learned a lot from you. U are my lodi talaga. So clear, concise, and understandable ang vlogs mo Ms. Thea. I always share you sa mga friends ko 🥺🤍🤍
Yeehey! Another vid 💚
thank you for another great content! di pa ko working but i love watching your vids para malessen ko yung financial mistakes na macocommit ko in the future
thank you thea. Grabe ang daming natutunan :)
Hi Ms. Thea!! I've been a silent fan of yours. You're my favorite youtuber when it comes to handling finances. Thank you for always inspiring me to handle my finances well! I think this will be my first ever comment in youtube😅
Love this po Ms Thea! Super helpful for me ❤️ dapat yata araw araw ako nanonood sayo para puro save ng pera ang gawin ko 😅😂
Silent viewer/subscriber here! Thank you for another helpful and inspiring video!! I also started sinking funds mula nung napasabak ako sa proper budgeting and here are my current categories
1. Travel syempre hehe
2. Moving out (i’ll be leaving my apartment on second half)
3. Baby fund 😂 an inside joke, kala ko lang kasi buntis ako char, pero for my salon day talaga sya
4. Otaku fund, for my kpop and anime budols
5. Medical
6. Gifts
7. Pinch budget (pwedeng kurutan kapag nagkulang yung main budget for the month)
I always watch your vids and gusto ko syang iapply as much as possible kahit wala ako sa pinas, medyo mahirap ang investing when you’re abroad tas limited cap pa ang visa 🤡
THank you, miss ma’am! Stay safe!
Thank you for the very useful spreadsheet!
Very helpful! Thanks Ms Thea
Hey Thea, nagpa LASIK din ako last year 2020 and it's really life changing. Don't be scared, it's a very safe and quick process. Sobrang worth it, you'll be forever grateful. Bye eyeglasses, bye contact lenses na yan! 🙏 Good luck!
very inspiring. thanks for this video ❤️
Hi Thea! You are a blessing to us. I and my husband has been struggling a lot with our finances and it really needs to change. i will try this techniques and lets see where this takes us in 2 years. ^_^
My savings journey looks like this right now:
Emergency Fund- 1 month saved (this was 2mos worth pero nabawasan for a health emergency/house dp), aiming for 3-6 mos worth
House Sinking Fund- via checking acct, pambayad ng amort sa bahay na kinuha ko
Wedding fund- aiming to reach a 100k in 3 months
General sinking fund- my short term savings fund!
Travel Fund/Tech Fund- used UBO online, para easy access haha. pampabayad travel at gusto ko bilhin na tech items
Misc events fund- for my fam and friends' birthday gifts and NYE, gift giving is my love language kaya magastos! :p and yes, nagtatabi na ko ngayon pa lang panggastos sa New Years eve!
Sobrang effective kapag meron ka naka-set aside na specific fund for a specific purpose. Ligtas at mas madali iaacomplish yun bigger savings goal mo :)
Thanks for this! ❤️
This year i have 5 sinking funds
1. Christmas S Fund
2. Anniversary
3. My kids bday
4. Travel
5. Personal spending
I do all of this all the while im hitting my 50k e fund. 😊
Great content!! Super helpful.
Thank you for this 💕💕💕💕💕💕💕
Very educational I'm struggling saving, I learned a lot
Omigosh this is so helpful!!!!
i finally figured out why my savings is not growing! same as yours! i'm 21 y/o and everytime narereach ko yung 25k sa savings account ko, babalik sya sa 20k! little did i know na sinesettle ko pala yung mind ko sa 20k na savings tas gagalawin ko na for my personal unnecessary expenses! such an eye-opener for 20s! will definitely use the tracker! thank you for this, ms. thea!
Thank you so much for this!
OMG thank you po! I'm experiencing the cap in my savings right now tapos hindi ko talaga alam kung bakit.. Tapos nung nilista nyo yung mga categories, parang na-mindblown talaga ako as in 😂 Will really try your spreadsheet! ❤️ #myfirstmillion
I've been doing this since I started working last 2018. Separate ang savings sa mga dapat pag-ipunan... Hindi ko alam na sinking funds pala tawag sa method na iyon.
Tried the spreadsheet and added another column for Description ng Transaction just so I have context, pero napakaganda ng spreadsheet!! Added it as a tab to my 2022 Finance spreadsheet
Favorite ❤️
Hi, Miss Thea. I am a silent viewer here and last year I was able to watch your video regarding the sinking fund. For a year, I was able to save my sinking fund and have my first investment. Just want to let you know to keep doing what you are good at and for sharing all your knowledge and experience. Rooting for you always.
aww thanks so much zennia!!
Waiting ❤️❤️❤️
This could be very helpful for ppl like me who want to track expenses cash in and out flows. Thank you so much Thea ❤❤❤😅
Loooove ING!
Thank you po ❤
Thank you, Thea!!! Ang hirap ng hindi matrack!! You're the best, you're my go-to financial vlogger
aww thank you! glad you find the tracker helpful 💓
Hi Thea, thank you. I am doing cash envelope stuffing method.
Hi Ms. Thea! Thank you so much for all your videos about financial management. I'm a new subscriber and I really find it helpful. Sana ma manage ko yung finances ko well and ma achieve ko yung financial goals ko😊
More first million episode pa po mam, thank you po
Hi Ms. Thea, so happy with your video. Started to use your spreadsheet and I love it! I hope you also make videos and spreadsheet for tracking expenses and etc. ❤️😍
i'm planning to do a vid on how to do a diy spreadsheet para macustomize sa needs ng user. medyo push back lang yung content because i got sick and now have to take care of my move, but will get into it this 1h 2022 ☺️
@@TheaSyBautista Sorry to hear that you're sick pala, hope you get feeling better soon. Looking forward for more videos. 🙏😊
Wow may free spreadsheet 👌👌👍👍👍👍
Thank you, Ms Thea! Kaka-download ko lang ng sheet :)
Hi how did you DL it? Di ko man ma DL:(
@@dorothy3238 same po mas friendly ata kapag sa laptop/desktop idownload
Super helpful!! Hopefully magka Savings App si Ms. Thea soooon will definitely download it 😭 di Lang talaga ako ma excel na Tao. But still thank you for this. 😘💕
Ps. Your hair looks extra healthy here.
I really like how you explain things, Kasi naiintindihan ko Siya kahit I'm not pro when it comes to financial terms"jargons"
Omg new phone 💗
Salamat ng maraming marami po
Very easy to use yung excel sheet thank you very much po! Di muna ako mag gogoal ng First M, mag tatry muna ako ng first 100K T_T Nakakahiya man pero i hope i can reach a small target po muna. Thank you again
This is so helpful and easy to use spreadsheet. Sana meron din po for savings and emergency fund. ❤️❤️❤️❤️
hi! you can also use this fund for savings and emergency fund! pwedeng duplicate niyo nalang po if you want a separate tracker :)
Thank you very helpful ✨😍🤎
Another video full of learnings!! Relate ako, hanggang ngayon wala pa akong solid na savings and emergency fund accounts.
😀
Hi, first of all ang cute mo 😊.
I want a guide to having my financial freedom before my retirement. And I'll use your channel as one of my guides. Thanks for sharing ❤️
I'll use all of your excel's 😊
ang galing mo po
Wow thanks for this tita! 👌 Is it just me or does anyone having a problem downloading the spreedsheet?
Hello Thea, new subscriber here. Sinking fund na pinagiipunan is for house construction. Thank you sa spreadsheet.
I hope you'll have a template din po in Notion. Mas useful po kasi for me ang Notion kesa sa Excel. 👋 Btw, thanks for this po! Really helpful 😄
Hi Tita Thea! ING so good, tanong ko lang if this is good for company transactions? I'm so curious of the digital deposit thru check image, very convenient especially today.
Yayy❤️❤️❤️
Hi Ms. Thea!
btw sinking fund pala yung tawag don! i only know stashes kasi that's what i have before with tonik! 🤣 will rebuild my sinking fund for bts concert and shopee purchases!
Hi Ms. Thea, I’ve watched and replayed all of your vids! Haha very helpful and inspiring! Also, can I just ask, I was trying to create an account in ING Ph but it says there that they are no longer accepting requests in opening an account here in the Philippines?
Ngayong marami pa kaming utang, apat pa lang ang sinking funds namin.
Emergency funds
School fund for our son
Holidays/celebrations
Medical fund
Hindi pa kaya ng mas marami kasi prioritize muna namin mabayaran ang mga utang at always updated ang bills.
Plan to start sinking fund kasi pag time na ng renewal ng car registration, tuition fee payment at christmas gift giving..ubos ang laman ng account ko..
Always love you videos. I do save before but the wrong way and your vids help me alot. Btw, are you somehow related to Gisselle Chuang?
❤❤❤
Hello Ms. Thea! I've been watching your videos. Very informative and very inspiring! Ask ko lang po sana if pwede ba mapalitan yung currency sa spreadsheet? Since OFW po ako ibang currency po kasi ang gamit. Thank you po!!
Hi Ms. Thea. I have a question po. For the property an niloan, edi ilalagay ko sa liabilities ung total amount pa ng need kong bayaran. Pero kelangan ko ba ilagay sa Asset naman ung total value nya now sa market? Kasi kahit nasa loan pa, minsan nag aappreciate ung value nya eh. Dun ako medyo nalilito eh.
Halimbawa 4.7M ung value nung property nung niloan ko. Ilalagay ko ba sa Assets > Properties ung 4.7M , tapos lalagay ko sa Liabilities > Housing loan ay 4.6M (since bayad na ung 100k)
I am referring to one property only.
Thanks po in advance!
Hello pp ndi ko po madl yng spreadsheet
I hope you can make an in-depth video on your Lasik Surgery journey po if possible. I'm also considering it but I'm kinda scared. Information and advice from a person who has a first-hand experience in it would really help me, and others as well. Thank u always 💕
Hi Thea! Pabulong naman ng suggestion mo for real state ❤️
I really love ur ootd miss thea saan ka po bumibili ng mga oitfit po? Thank you..
hi!! it’s from monki ☺️
Huhu
Hi Thea, do you use a separate bank account for each sinking fund? I prefer to go cashless esp as we’re still in a pandemic, but don’t have enough accounts for each individual fund.
you can use one bank account lang for all sinking funds, tapos use the tracker i provided para masegregate and monitor niyo yung inflow, outflow and total per type of fund :)
Pano po magcompute ng real estate tax kpg pinapa-upa ang condo?
New subscriber.
Hello Thea, do you consider sinking funds as an "expense"? Not sure if I should include sinking funds in my savings rate because technically I'll be spending it for something in the future even if it's just stashed in my bank account 😅
Up! ^_^ curious din ako sa answer.. Ang sabi sa search ko, asset din daw sya.. Noncurrent nga lang.. Mukhang di pa expense hanggat di pa ginagastos? :)
@@krizzy2580 True, ito din po sabi sakin! 😁 Iniisip ko lang din paano yung calculation sa expense/savings pag ginastos na.
Let's say I have 10k income/month. 5k for expenses and 5k for savings (1k sinking funds, 4k is EF) so this will be 50% savings and 50% expenses.
If I set aside 1k/month sinking funds for 3 months may 3k na ko. Then sa 3rd month I spent the 3k SF haha so 8k na expenses tapos 2k na lang EF (I think) since I spent the 3k na which makes this 80% expenses then 20% savings. Hahahaha. Confused pa rin ako kahit na antagal ko na nagttrack ng expenses, hindi pa naman ako math wiz noong student days 😂
Anyway, since personal naman din yung tracking natin sabi nila no need to be too strict and up to us how to categorize. Just curious on how others deal with their sinking funds. Hehe.
Ff
Ms. Thea, is it necessary to open bank accounts for savings, emergency funds, and others?
Para po sa akin pwede mong i-invest and pwede mong i-bangko pero dapat the investment and pera sa bank is madaling makuha incase of emergency. Of course it can be in a cash.
Ms thea thanks for your nice video
But cant find the link thanks
I really wanted to save but my salary is just enough to cover all my expenses, (monthly rent, bills, food, etc), so i think it is very important to have a passive income/ other sources of income, simply because you cannot give what you dont have.
I cannot give a certain amount to my savings account if I dont have the funds for it.
Try freelancing 😊 It is a great way to adding income sources
I agree with you, PM Francia. it is really important to have an additional income especially in this time wherein even employment is not sure anymore. If you are open for a part-time job, you can send me a message and I'd be glad to help :)
@@maryclamar1415 hi Mary, just saw your comment. What part time job do you offer?
Hi. Anyone here ang nakapag download sa tracker at gumana ang automatic calculations? I tried downloading it pero may excel app detected an error and repaired it pero pag nag-input na ako ng numbers, di gumagana yung calculator. Thank you!
Hello po. Pwede po patulong sa sinking funds calculator and tracker, na download ko na po xa pero di po gumagana yong mga calculation nya..
same po. nadownload nyo na po?
Ms. Thea pano po palitan yung pesos sign sa spread sheet ng dollars sign? Lol I couldn’t figure out. ✌️🙂
you can change the cell format, may options dun pwedeng may currency indicator or plain number lang parang sa accounting