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TEAM ANTAY 13TH MONTH

13th month

 

Kasama ka ba sa #TeamAntay13thMonth?

 

Malamang iilan sa atin ay naamoy amoy na

ang paparating na 13th month bonus.

O baka yung iba, natanggap na.

 

Ang saya ‘di ba? Biruin ninyo, extra money nga naman!

Parang lumalabas instant x2 ng sweldo natin.

Yung iba pa nga umaabot ng 14th o 15th month.

 

Ano ba yung kadalasan nating ginagawa dito?

  • Bibili ng Christmas gifts
  • Magpapalit ng new cellphone
  • Book ng flight for a ‘well-deserved’ vacation
  • Shopping shopping

 

Naku po.

Non-stop na naman ang gastos.

Mapupunta na naman sa hindi priority.

 

In return? Wala.

Wala tayong makukuha

kundi temporary happiness.

 

Hindi naman ako nagpapaka K.J.

Gusto ko lang i-point out na

these things will depreciate eventually.

 

Kung pinag-ipunan, sige lang.

Pero kung manggagaling ng buo sa ating 13th month,

pag-isipan muna para hindi masayang.

 

Here’s how you can spend it well:

BUILD OR INCREASE YOUR EMERGENCY FUND

13th month

(Photo from this Link)

Emergency fund as I said before must be

at least 6-12 months of your salary.

Reality speaking, mahirap buuin ito dahil sa ating mga gastusin.

 

Here’s your chance to increase or build your fund.

Magkaroon man ng mga hindi inaasahang pangyayari,

we are confident na meron tayong madudukot kahit paano.

 

BUILD YOUR RETIREMENT FUND

13th month

(Photo from this Link)

“Ang O.A. mo naman Chinkee, 20+ yrs old pa lang ako, haler!”

 

Walang pinipiling edad ang retirement fund.

The earlier you save, the more comfortable your life will be in the future.

 

Tignan mo ah, once we retire,

kailangan na natin huminto sa pagtatrabaho.

 

Aasa ka na lang ba sa pensyon?

If yes, sorry to say hindi kasya ito

dahil we stopped earning pero patuloy ang gastusin.

 

Kaya invest your 13th month as early as now

so when the right time comes,

tumubo na ang retirement fund.

 

PAY OFF YOUR DEBT

13th month

(Photo from this Link)

May utang sa credit card?

Kay kumare o kumpare?

O di kaya’y may loan?

 

Ibayad na yan!

Do you know na habang tumatagal,

mas lalo lang lumalaki ang ating interest?

Paying off will lessen at least a month or years of debts.

 

Aba, malaking ginhawa yun ah!

 

URGENT REPAIRS

13th month

(Photo from this Link)

May leak ang tubo?

Butas na ang kisame?

May mga peste na gumagala?

 

You may use a portion of your 13th month

to make the necessary repairs

habang maliit pa lang ang problema.

 

Mas malaki ang magagastos natin

‘pag tuluyan na itong nasira.

 

Huwag na hintaying mangyari yun.

 

“The earlier you save, the more comfortable your life will be in the future.

Be a wise 13th month spender.”

-Chinkee Tan, Filipino Motivational Speaker

THINK. REFLECT. APPLY.

  • Nakuha mo na ba ang iyong 13th month?
  • Saan mo ito balak gamitin?
  • Desisyon mo na ba maging wise this time?

 

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