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NewsTranscript
00:00The Chinese Foreign Ministry has reaffirmed its sovereignty and legitimacy of its law enforcement activities in the area.
00:08Meanwhile, for those who have already received their Christmas bonus or 13th month pay,
00:15a financial coach has an advice.
00:17Just take it slow and know what to do first in spending your money.
00:23Watch Niko Wah.
00:25Do you already have a bonus or 13th month pay?
00:32Yes, a virtual assistant already had one on November 28.
00:37The case is now closed.
00:40I used half of it for my savings.
00:46But I had to pay bills, house rent, internet, and insurance.
00:54Although a large portion of Jez's 13th month pay went to her payers, she did not forget herself.
01:01I bought a book, then I met my friends, had a drink, and then had coffee.
01:10Maybe I should have spent half of my savings.
01:15Hashtag deserved, 2024.
01:18A financial coach said treating yourself is part of maximizing your bonus or 13th month pay.
01:25Reward yourself, of course.
01:27Treat yourself wisely.
01:29Consider it as a small reward.
01:32Treat yourself.
01:33Vacation, food, things like that.
01:35As long as it's within your budget.
01:37So you can avoid overspending.
01:39But that's at the end of the list.
01:42First, you should pay your debts if you have any.
01:46Pay your debt first or your utang.
01:48Set aside your money to pay your bills, especially those with high interest, credit card, loans, or pay.
01:56Pay first to those you owe, right?
01:59So that next year, you'll have zero debt.
02:02Next, set aside emergency funds.
02:05Health insurance and investment can also be availed.
02:09I advise, you can divide your bonus into two.
02:1450% for your holiday expense.
02:17Of course, you won't lose your holiday expense, right sir?
02:20Then 50% for your emergency fund, investment portfolio, like M2, mutual funds, UITF, stock, savings.
02:31Ella is a government employee and has received her 13th month pay.
02:35She said she's satisfied with using her bonus.
02:37Maybe my first years, yes, after graduation.
02:43Because, of course, when you graduate, you'll be surprised.
02:46Oh, I have this big amount of money.
02:48You'll grow.
02:49So what you do, you reward yourself.
02:52Now, she's divided her 13th month pay into many things.
02:56The portion of the 13th month, what I did is, I set aside, maybe 30 to 50%.
03:04I just added savings.
03:06The savings, I put some in digital banking.
03:11She also paid some of her insurance.
03:14But she also set aside for her parents and for herself.
03:18If we don't know how to handle our income, we won't be able to save.
03:25The bonus, that's why it's called bonus, is a reward for employees who are not looking for work.
03:32So if given, make sure to use it properly.
03:36For GMA Integrated News, get your witness.