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RNG Bank Salary Loan Table for DepEd Teachers

Salary Loan Table - RNG Coastal Bank RNG Bank offers salary loan for permanent DepEd teaching and non-teaching staff thru Automatic Payroll Deduction System (APDS). Features: ๐Ÿ“LOW INTEREST RATE ๐Ÿ“LOAN AMOUNT UP TO 500,000 ๐Ÿ“5 YEARS MAXIMUM LOAN TERM ๐Ÿ“NO HIDDEN CHARGES ๐Ÿ“NO NEED TO GO TO THE OFFICE A Bank that is built with trust and integrity and committed to provide quality and safe banking services to its existing and future clients, RNG Coastal Bank, Inc . is a banking institution established in the year 1974. The Bank has 15 operating branches in the Visayas, 11 in Cebu and 4 in Bohol. Providing various financial products and services to its clients for almost 50 years, RNG Coastal Bank remains strong and continuously grows its number of branches to reach more Filipinos. Here are the branches of RNG Coastal Bank: RNG Coastal Bank Head Office Cor. Cabancalan Road, Talamban, Cebu City 6000 Labangon Branch Punta Princesa, (Labangon) Cebu City Asturias Branch Poblacion, Asturias, Ce...

When the Bonus Arrives: The Joy Behind DepEd’s 2025 Year-End Bonus and Cash Gift

Every November, I turn into that teacher who checks the payroll updates like it’s a season finale. The “Release of 2025 Year-End Bonus and Cash Gift” may sound like a routine memo, but for many of us in DepEd, it’s a moment we quietly count down to all year.

It’s not just about the money (though, let’s be real — it helps). It’s about that deep sigh of relief that says, “Okay, I can finally breathe a bit.”

This year, according to DBM Budget Circular No. 2024-3, all eligible DepEd personnel will receive their year-end bonus (equivalent to one month of basic pay) plus a ₱5,000 cash gift with the first November 2025 payroll.

And yes — that means it’s officially bonus season once again.


More Than a Memo: What This Bonus Really Means

The circular’s formal language may read like just another administrative directive, but behind those lines lies the recognition of something bigger — our service, resilience, and heart.

After all, teaching isn’t just about lesson plans and grades. It’s about being there when your students need you, even when your own energy’s running low.

When I got my first-ever year-end bonus, I remember sitting at my desk, calculating bills and gifts for family. I ended up tearing up — not because it was a huge amount, but because it felt like someone finally saw the effort behind the exhaustion.

This yearly incentive might be structured, but its emotional impact is anything but mechanical.


Did You Know?

๐Ÿ’ก The year-end bonus for government employees was institutionalized under DBM Budget Circular No. 2016-4.
๐Ÿ’ก It’s equivalent to one month of basic pay and is given every November.
๐Ÿ’ก The ₱5,000 cash gift has remained consistent to ensure fairness across salary grades.
๐Ÿ’ก All Regional and Schools Division Offices are tasked to ensure timely release — a process that now involves digital payroll systems to speed up distribution.


When Recognition Feels Personal

Every teacher has that one moment when they almost give up — late nights, endless paperwork, students who test every ounce of patience.

For me, that moment came one December afternoon when I was still encoding grades while my family was already decorating the Christmas tree. Then, my phone buzzed: “Bonus credited.”

I smiled. It wasn’t just money; it was validation.

Sometimes, the system does get it right.

The release of the 2025 year-end bonus and cash gift reminds us that even amid bureaucratic chaos, there are pockets of care — structured acknowledgments that we matter.


The 3-Day Gratitude Experiment

If you’re like me, you might tend to use the bonus for bills right away (because adulthood). But before it all disappears, try this small reflective challenge:

๐Ÿงญ The 3-Day Gratitude Experiment

  1. Day 1: Write down three things you’re thankful for at work this year — big or small.

  2. Day 2: Spend part of your bonus doing one thing for yourself (even if it’s just a quiet coffee).

  3. Day 3: Use a small portion — even ₱100 — to do something kind for another person.

You’ll be surprised at how much lighter gratitude makes the weight of everyday stress feel.


Moving Forward with Heart

The DBM directive ensures the logistics. The DepEd offices ensure compliance. But we, the teachers, ensure that the spirit of the classroom — compassion, patience, and humor — stays alive.

The 2025 year-end bonus and cash gift may officially be a financial benefit, but emotionally, it’s something more enduring: a thank-you from the nation we serve.

So as we line up to check our payroll this November, may we also pause to celebrate how far we’ve come — not just through the months, but through every small victory that made this year worth teaching through.

Because sometimes, the real bonus isn’t what’s in your payslip — it’s knowing your effort mattered.

๐Ÿ’ฌ What’s the first thing you plan to do with your year-end bonus this year? Share your story in the comments — I’d love to hear it.

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