Did you receive already your year end gift or 13th month pay? But this is well known as Bonus. I know you have so much planned how to spend it. Hmmm! Hinde mo pa natatangap yun bonus alam ko may mga plano ka na kung saan mo gagastosin yun. Like buying a new phone, a new gadget, go vacation, shopping dito, shopping doon and etc.
Pero teka! Before you decide on how you will spend your bonus, please take a seat and read my few tips about how you will spend your bonus wisely.
1. Give Yourself a Bonus First!
I did not mean you buy a latest cell phone or gadget for yourself huh. What I mean giving a payback for yourself that you will be satisfied and you will not feel regret for it. So give yourself a bonus first, something very unusual that for the past year you had not done it before. Like, try to Invest a certain percentage of your bonus to any investment type that you choose in which your money can have a potential to grow.
Oppss! What? Alam ko tataas kilay mo sa suggestion ko he he he. But think of it, if you buy a new cellphone or gadget now after a year the cost of it were surely going down at isa pa wala ka na sa uso dahil a new model that is better from the one you have will be developed. At paulit ulit ka na lang maghahangad na makabili ka ng latest model ng binili mo. Pero kung subukan mo na iinvest ang pera mo and you see that your money is growing after a year I'm sure you will also craving to add more money to your investment.
2. Buy New Appliances Only if it is Needed!
Buying a new appliances is quiet a good decision sino ba naman ang ayaw magkaroon ng bagong gamit sa bahay but think twice or thrice before you buy. Ask yourself if you really need it or you just want it, remember need is different from wants.
Hinde yun gusto mo lang bumili ng new T.V. seat because you see your neighbors, they have a new LED flat screen T.V., although you have a flat screen T.V. and still working in a good condition. Inggit yun hinde needs, so ask yourself first if it is really worthy to buy it. Worthy if you really need it with regards to cost and quality of the item. For example, you need to buy a new electric fun because your old one is not efficient anymore. Umiikot lang pero hinde na nakakapagbigay ng malakas na hangin unlike before noong bago pa siya. Tapos kung ipapagawa mo siya ay malaki pa din ang gagastosin. Bumili ka na lng ng bago nakatipid ka pa sa kuryente. How? You save on your electricity bill in a way, your new electric fun now gives a better efficiency and satisfaction aside from your old electric fun. Which is you consumed electricity with a low efficiency output. I mean, ikot lang ng ikot pero hinde naman nakapagbibigay ng hangin at naiinitan ka pa din sayang lang gamit mo ng kuryente.
Before you buy a new appliances think of it if you really need it and you will save from it. Instead, think to pay your debt if you have, so that in the coming year you have now a peace of mind and you can start your saving.
3. Ask Yourself if You Really Need a New Clothes, Pants & etc.!
Buying a new clothes, shoes, bags & other apparel do you really need these? Yes! Pasko na dapat bago ang lahat, this is one of the Filipino way of celebrating Christmas.
I remember when I was a child, I'm so happy if I have new clothes to wear during Christmas and I feel disappointed if I don't have. Because our parent's cannot afford to buy all of us for a new pair of shoes, shirts & pants for each one of us they just give us only one of either shirts, shoes or pants basta meron lang kami maisuot na bago either damit, sapatos o pantalon at nakakalungkot lang pagminsan kahit isang bago na maisusuot eh wala.
But now, I figure it out that we only need a new clothes or pants during Christmas just because the smell of new shirts or pants it seems to make us feel satisfied and happy. Especially, if someone else will say "bago ahh ganda bagay sayo" you feel happy for it. There is no wrong with it, but before buying a new one, think again if you really need it or you just want it. Bakit ka bibili kung meron ka pa naman na maisusuot na sapatos o damit at kabibili mo lang last month. Why you will buy a new one, even some of your clothes, ay nakatago lang sa aparador at hinde mo naman naisusuot pa. So, before you will buy a new one, ask yourself if you really need it or you just want it, because your bonus deserves to spend wisely.
4. Give Gifts at your Own Affordable Prices!
Celebrating Christmas is the time for giving gifts to your love ones, friends, family, relatives and most of all our godchildren or inaanak. I know that some of us are considering a budget for the gifts and some get it in their own bonus. Yes! Christmas is a part of giving and sharing your blessings. But remember you have to give a gift at your own affordable price only. Yes, your inaanak are expecting to receive a gift from you and if they received it whatever it is they felt happy and satisfied "ganyan ang mga bata".
Unless that sometimes this is what happening;
"anu binigay ni ninong o ninang mo? o kaya magkano binigay sayo ng ninong o ninang mo?" Ay bakit yan lang! ang kuripot naman ng ninong o ninang mo nasa abroad pa naman ang asawa eh ganyan lang binigay sayo. Yun ohh naging kuripot ka na! ha ha ha. You know, this simple question even if it is a joke, it creates a bad impression in the mind of a child. This will bear in their mind at malalayo na ang kanilang pagiisip sa tunay na kahulugan ng pasko. This mentality can be passed to their siblings and up to the next generation.
Consider also your budget, magbigay ka ng regalo yun kaya mo lang at pasok sa budget. Don't give gifts just to pretend your generous, yun tipong gusto mo lang makarinig ng masabihan na galante yan si ninong o ninang at ayaw mo masabihan ng kuripot. Giving gifts is one of the greatest Filipino culture during Christmas. No matter how simple your gifts it is, still it reminds to someone who will receive it the true spirit of Christmas and also it will remind that someone like you remember him.
5. Budget your Noche Buena!
We love to eat good food during Christmas eve something special that we are not often eat. But also consider your budget in buying food & groceries for the Noche Buena. It's a great idea if you buy groceries early because the prices are not rising up yet. Look for a grocery store offering a sale in which you can save. Write down the groceries you need for your Noche Buena before going to grocery stores to avoid buying unnecessary items that you don't need. Also in writing it down it gives you an idea how much it will cost you for that grocery item.
This just a few tips on how you will spend your Bonus wisely, but it's up to you if you will consider it or not. Because in the end you and only you are the master of your own money.
Now after you read all my reminders & tips, let me ask you a question. What is your plan on how you will spend your Christmas Bonus? Share your answer in the comment box below for additional information to others.
Hope you find some tips here and see you in my next post. Thanks for reading & God Bless to you....
Merry Christmas to you and to your family....
Read Also:
Why We Should Invest?
Money Saving Tips
How to Start a Savings?
Money Saving Issue for Pinoy
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1 comment:
nice one.hehe..(Y)
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