What are your thoughts with Twice A Month Salary? by Analene N. Fullido https://padlet.com/analenefullido/qht3v19cl7svz1lk Please include some advantages and disadvantages. en-us 2022-01-27 09:37:17 UTC 2022-01-28 09:32:06 UTC hello@padlet.com https://padlet.net/icons/png/1f642.png analenefullido https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015484763 I prefer ONCE A MONTH salary since 22nd is just right time for bills and dues payment. 

One advantage of TWICE A MONTH salary is that we can receive partial salary earlier than the usual. 

The disadvantage for me is that I can feel that it's much lower (since I got auto deduct loan payment) and my bills are due every 25th/26th. With that case, I need to utilize the first half to pay for it. I got no more budget for few weeks.]]> 2022-01-27 09:43:31 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015484763 ok lang naman ang twice a month salary kung madalas ka mangailangan in between, pero much better parin ang once a month salary every 22nd of the month dahil hindi alanganin at lalo na sa may malalaking loans at wala na masyadong matitira sa net pay nila, and mas nababudget na kasi kapag nasanay ka na sa once a month salary https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015523336 2022-01-27 10:07:36 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015523336 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015537989 In my case, the twice-a-month salary scheme works better for me. I think I can manage my finances better with that scheme.  It's also nice to have 2 dates to look forward to every month. However, for those who have loans/deductions, this scheme may be a disadvantage on their part. But, like what I have mentioned earlier, the twice-a-month salary scheme works better for me because I can budget my finances better.]]> 2022-01-27 10:16:56 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015537989 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015538133 I prefer TWICE A MONTH, kasi po mas naba budget nang maayos ang salary unlike sa once a month na salary, minsan isang linggo lang nagagastos yun. Kaya burden na maghintay ulit ng isang buwan for the salary again.

]]> 2022-01-27 10:17:02 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015538133 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015615092 I prefer ONCE A MONTH salary since 22nd of the month is just right time for my bills and dues payment.

Advantage of TWICE A MONTH:
*we receive partial salary earlier than the usual.
* it is good for those who have payments in between the month.

Disadvantage of TWICE A MONTH:
* it is much lower 
*difficult to adjust my budgeting system since my bills are due every 26th/28th.
* my salary disappear very quick thinking that there will be another salary to come.]]> 2022-01-27 11:08:39 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015615092 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015632701 I prefer a once a month salary. 22nd day of the month is okay. 

Personally all my bills are scheduled between 22th to 12th day of the month. ]]> 2022-01-27 11:21:06 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015632701 For me, twice a month is good. Advantage: I can do the budgeting better. Disadvantage: I'll have to line up in the LBP twice. 🤣 We all know the struggle of withdrawing in LBP 😅 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015634222 2022-01-27 11:22:07 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015634222 Twice a month salary is good but ang hirap pong magbudget kasi ang mga bills nasa end of the month. Mas maganda po na minsanang withdraw. Maybe paglipas po ng ilang buwan masasanay din po tayo pero sa aking pananaw po at sa case ko, mas prefer ko po ang ONCE A MONTH salary. https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015634625 2022-01-27 11:22:23 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015634625 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015640410 I prefer to receive my Salary ONCE a month as dividing it into two would not be beneficial to us. First disadvantage is that halving it would not promote financial literacy to the teachers, such as they would think that they will be receiving money after 2 weeks so they can spend what they have on hand. This is just psychological though as their salary would not really increase but just be divided into two pay outs. Another is because of the fees we are paying through online transactions. Say for example we are to withdraw twice a month, we will incur two transaction fees in withdrawing our salaries in comparison with having it once. ]]> 2022-01-27 11:26:15 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015640410 I prefer twice a month kasi di mahirap mag budget. then 2 weeks lang aantayin sahod na ulit heheunlike sa once a month pag sahod mo ng 22 halos isang buwan ka ulit magaantay naubos nalang laman ng atm dahil sa mga bills. Siguro naninibago pako pero masasanay din thanks. https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015686794 2022-01-27 12:00:49 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015686794 Twice a month salary is good but I prefer to receive my salary ONCE a month. arjelynescubro https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015701108 2022-01-27 12:11:58 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015701108 Nung Una, nanibago, hindi kse parang ang liit ng sweldo ko pala nung twice ng bigayan. https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015777539 Pero mukhang, mas maganda naman pla sya, kase hindi masyadong matagal ang paghihintay at pagiging pulubi ni teacher dahil pag once lang , mabilis din maubos. 😅 Pag twice, napipilitan mag budget talaga]]> 2022-01-27 13:02:02 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2015777539 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2016461943 Any of two schemes are fine.

But if the context of making it twice-a-month is to make the long waiting shorter for teachers to survive, I think it's not helping. The key, I think we know, is to increase the salary of teachers, and reform the taxation mechanism for middle classes (like teachers) for us to breathe and survive. If survival are still getting hard for us to live with dignity, then the change of payday scheme is not useful at all, so maybe, it’s better to let it be the way it is before. 

Changing it will also be fine, but still, there's no reform that happened there aside from changing the budget style. 

Thank you for letting us speak our thoughts.]]> 2022-01-27 17:57:43 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2016461943 Same routine...it is only divided into 2 weeks of every 15th and 31st of each month...had this system way back 1990-2000s. Discipline on handling money is really important and spend it wisely... SAVINGS must be our 1st priority for any emergency that will come in the family; next, OBLIGATIONS like paying bills...enjoy the weekly budget: 1st for 2weeks: 1 - 7th; 8-15th; and 2nd for another 2weeks: 16 - 23rd; 24 - 31st...sure adjusted na tayo sa February salary lalo may increase naman...at gamitin ang ating SUNPERA MAGIC SOBRE ng SUN PERA- ARALAN...effective and wise money management... https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017006221 2022-01-28 00:43:23 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017006221 jessafermin1 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017189447 I prefer twice a month kase mas kaya ko siyang i-budget]]> 2022-01-28 03:28:29 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017189447 jpbartolome https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017341976 Mas nasanay po ako sa salary na once a month po, nakakapagsave po kasi ako ng maigi using that scheme po]]> 2022-01-28 05:59:35 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017341976 Mas prefer ko yung 1 month dahil may loan ako, mas naba budget ko ang sahod. Thanks https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017344954 2022-01-28 06:03:15 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017344954 Both are good naman, it's all about budgeting strategy on how to save money and pay bills. Nung once a month ang sahod, malaki ung pumasok and nakakapagsave din ako but matagal din yung aantayin for the next salary kaya nababawasan parin ung nasave hehe. For the twice a month salary, mas okay din sya kasi konting weeks lang aantayin and mas nababudget mo ung gagastusin mo fo the span of 2 weeks. https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017345869 2022-01-28 06:04:14 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017345869 Mas preferred ko po ang once a month na salary. Mas madali pong maayos ung sa pagba-budge. https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017365406 2022-01-28 06:27:14 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017365406 Both are okay. https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017365469 2022-01-28 06:27:19 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017365469 Twice a month https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017367277 Mas prefer ko yung twice a month salary kasi madaling i-budget. Alam mong after 2 weeks may aasahan ka na namang pera if may di inaasahang bayarin and di na kailangang mag antay ng 1month. ]]> 2022-01-28 06:29:14 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017367277 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017378679 Both schemes are fine, but it will take some time before I get accustomed with the 15/30 scheme]]> 2022-01-28 06:41:10 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017378679 Mas ok po sa akin ang once a month https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017386283 Alanganin po sa due ng mga bills ang sahod kaya ang nangyyri salary ng 15 sa bills lahat Kasi ndi na aabot ng 30 ang monthly dues.]]> 2022-01-28 06:48:44 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017386283 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017396180 In my case po , It's too early to say the advantages and disadvantages kasi nasa adjustment period palang. I'm not really an expert in handling my finances, But I prefer twice a month because I have bills to pay in between and aside from that hindi na masyadong matagal yung hihintayin. I understand na nabigla po ang iba dahil nakapag adjust na sa once a month.
Thank you po.]]> 2022-01-28 06:59:38 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017396180 Para sa akin,both ay okay naman po, this January is already an adjustment period kaya manageable na po yung sa mga susunod na buwan. https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017424735 2022-01-28 07:28:38 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017424735 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017457796 I prefer once a month for the reason that I wouldn’t have to worry about the separate transfer fees when I use other online payment platforms when paying bills and other expenses, and I can just do it in one go. Furthermore, the deductions can easily be seen in one payslip. I can budget and save up for the following month.]]> 2022-01-28 07:56:56 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017457796 Mas prefer ko po is once a month. Kasi na bubudget q po sya. And para ung mga bayarin q isang bagsakan bayad agad. At isang sakitan lng dn po ng ulo. jocellematias4 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017464597 2022-01-28 08:02:34 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017464597 https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017546344 For me mas okay sa akin ang pagsweldo ng once a month. Nkakalito kasi yung twice buti sana kung ang payslip ay dalawa din para mkita talaga ang mga deductions]]> 2022-01-28 09:09:56 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017546344 NOPE on the twice a month salary, solely for the purpose of monitoring. https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017570785 Bimonthly pay makes it hard to track all the transaction (credit and deductions) given pa na the payslip is issued only once. Also, hindi rin naka reflect doon ang breakdown for 15th and 30th. Kinda confusing. ]]> 2022-01-28 09:29:34 UTC https://padlet.com/analenefullido/qht3v19cl7svz1lk/wish/2017570785