"UY ANOTHER MONTH WORTH OF SAHOD!"
If only makausap ko yun sarili ko who’s on his 1st working year para maipasa yung knowledge ko about how to handle money, baka mas naenjoy nya yun income nya.
Ako kasi yung tipo ng tao na sobrang kuripot. Sobrang bilis manghinayang.
“Sayang if igagala lang, ipambibili ng damit, ipangkakain sa mamahaling kainan”,
Na kahit may bonus naman, eh hindi man lang marunong mag enjoy?
If kaya ko sya ulit kausapin, sasabihin ko lang naman sa kanya is to plan ahead what will you do with your extra money.
Tip # 1: Increase your emergency fund - 30%
It’s your first year of work. And hindi pa kalakihan nasasave mo for emergencies. Make use of this opportunity to set aside and build yan hanggat wala ka pa masyadong financial commitments.
Open another bank account, yung walang ATM sana para di accessible yun funds mo.
At dahil 1st time mo, trust the big banks first. Hindi kailangan high interest yield agad. But once nasanay ka na, transfer mo yun iba sa another high interest yield bank.
Tip 2: Pay off debt - 10%
It’s another opportunity para mabawasan yung utang mo without compromising your monthly budget. Mas luluwag pa yun monthly budget mo nyan kasi mas mabilis mo matatapos yung mga utang.
Tip # 3: Invest more - 15%
Yes may allotted monthly budget ka na for your investment. Pero use this opportunity to fund it more kahit na hindi mo pa alam anong purpose ng pag iinvest mo.
Basta, pera mo pa din naman yan. Sineset aside mo lang for better use in the future (Which is magagamit mo to fund your food business! Hindi mo pa to alam pero magkakaron ka ng sariling food business!)
Tip # 4: Top up ka sa VUL mo - 15%
It’s another way for you to build up your savings and investments sa first policy mo. It will also help you increase your protection amount 125%!
Don’t worry, pera mo pa din yan. Mas long term lang kaysa sa number 3. So set aside yun willing kang hindi muna makita ito until you retire.
Tip # 5: Spend on yourself and on your family - 30%
It’s been a tough adjustment year. Bigla ka na lang nasa Bataan nagttrabaho na never mo naimagine mapapalayo ka sa pamilya mo. So go enjoy with your family! Pero after mong magawa muna yung 1 to 3 para pwede mo na isagad yung bonus mo.
Tip # 6: Be a blessing to others
Hopefully may matira pa, extend your bonus to bless others. Allot time to give back kasi nasurvive mo 1st year of working mo. And that’s amazing! And if hindi lang 13th month meron ka, maybe a 14th, 15th, or even 16th month, still use this tips para hindi ka maoverwhelm or mapressure into spending your money agad agad. :) How about you Life Engineer? What would you tell your past self nung nareceive niya na 13th month pay niya?
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By the way, I'm Reuel and I help breadwinners and professionals find clarity on why you want to achieve your inspiring life and financial goals and give them sound financial program fit to their capabilities.
Send me a message or click the button below to schedule an appointment!
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