13th month is just around the corner! While some even have 14th to 16th month! Ang swerte!!!
So here are some suggestions on how to allocate your bonuses! Number 7 is my favorite!
1. Breadwinner with Debt
Maybe you are on your early 20s to early 30s still living with your parents. The fastest way to pay off debts is with the use of your bonuses. Pero tira ka pa din for your celebrations. Get a term insurance plan na very budget friendly para if uncertainties strike, hindi na mahirapan family mo.
2. Breadwinner without Debt
You have come so far na walang utang and you just have to build up your savings and emergency funds para di na magkaroon ng utang. And to fasten the process, create another source of income by investing in yourself and also protecting yourself from uncertainties.
3. Soloist na Matipid
Matipid ka! DI ka marupok! You can easily achieve Financial Independence because of your discipline. But still, learn to celebrate! Get an investment plan and another insurance with investment to help you fight inflation and also cover up your medical bills if uncertainties happen.
4. Soloist Na Matipid Kaso May Pets
Ahhh… Magutom na at mauhaw maibigay lang ang lahat para sa pets nila. Pero that’s love! But you have to take care of yourself too and we’re not getting any younger. Invest and protect yourself too!
5. Soloist na Magastos
Sustainability is the key! Sabi nga nila, “HIndi laging pasko”. Meaning, hindi palaging malakas tayo and kayang magwork ng magwork. So to sustain that kind of lifestyle, you have to prepare for your future as well! Pero yes, bili ka pa din ng para sayo.
6. Breadwinner with Kids
You’re starting your own family. It’s still surreal and ang dami pang kinakapa. So prepare for your kids future and as well as strengthen your relationship with your partner. Kasi kayo kayo lang din magtutulungan at the end of the day. So get financial protection para di mahirapan si partner when uncertainties come.
7. Godparent ng Bayan
AH. Taas kamay ang hindi maka hindi kasi daw malas tumanggi. Kaya mala baranggay na ang pila pag pasko. Gift yourself too an investment plan that will sustain you when you retire para mattreat mo pa din si inaanak even if matanda na tayo. Pero pag malaki na sila, aba maningil ka na din sakanila. May work na sila eh. Palibre ka din.
8. Mr. and Ms. Congeniality
The invited sa lahat ng party! Pag hindi nakapunta, baka magtampo si kaibigan. Invest also to yourself to sustain that kind of lifestyle. Who knows! You might be in a party of business owners and CEOs!
Sa alin kayo nakaresonate? May masuggest ba kayo na fund allocation for your situation? Or medyo naguguluhan pa din?
Send me a message or click here to schedule an appointment! https://bit.ly/1on1FinancialPlanningwithYLE
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