Faced with global economic uncertainty, specialists suggested promoting savings and a good opportunity for this is the Christmas bonus, which must be paid no later than December 20 to around 25 million subordinate and paid workers who have employment benefits this year. .

Added to this scenario is the inflationary impact on the cost of products and services, as well as on the minimum wage, which, although it has had significant increases in recent years, continues to be insufficient.

Eufemia Basilio, a researcher at UNAM’s Institute for Economic Research, pointed out the effects of the covid-19 pandemic, inflation and the global economic environment, forces us to be more prudent and avoid wastingdue to the rise in prices each time it is enough for less or people are opting for products of lower price and quality.

In an interview, he indicated that the ideal would be to save between 40 and 50 percent of the Christmas bonus and even invest it in financial instruments, but because most families it is difficult for them to do it20 percent it would help a lot.

According to data from the National Commission for the Protection and Defense of Users of Financial Services (Condusef), eight out of 10 people had to resort to their savings to face the pandemic.

In addition, the number of adults who do not have savings in the country increased from 20 to 32 percent, between 2018 and 2021, according to the National Banking and Securities Commission (CNBV).

The National Institute of Statistics and Geography (Inegi) recorded, as of the third quarter of 2022, 38.9 million wage earners, of which 13.6 million will not have a Christmas bonus since they lack benefits, despite working in conditions of subordination.

Added to this scenario are about 32 million Mexicans who work informally, that is, they are people who do not receive the benefits established by law, Basilio noted.

The Christmas bonus is a labor right established in the Federal Labor Law. For those who work in the private sector, the payment may not be less than 15 days of salary, which must be paid no later than December 20 of each year, said Lina Padilla Reyes, member of the Communication Committee of the Mexican Association of Communications Companies. Human capital.

In the case of employees at the service of the State, they receive at least 40 days of their salary; half was paid on November 14, and the other part before January 15.

He stressed that the Christmas bonus is a mandatory benefit, which cannot be replaced by no kind of gift or encouragementand failing to pay, the employer may be creditor to a fine of up to 481 thousand pesos.

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