How to spend your 13th month pay other than shopping

It’s that time of the year again! Yes, Christmas is just around the corner and so is the most awaited 13th month pay. If you have received yours by now, you are lucky! But if you are still waiting, it’s something worth anticipating, right? 😊

So how do you want to spend your 13th month windfall? I bet you have a lot of shopping to do. But let me propose something different on how can you spend your hard-earned bonus (yes, you’ve worked hard for it for one whole year). Here are some ways on where to put your 13th month pay.

Pay off  your debt

Do you have an outstanding loan that you are paying monthly? Here is the time to cut off your debt numbers. Consider paying off your creditors using your 13th month pay or a portion of it if you cannot bear to part ways with your Christmas windfall this way. Yeah I know this is not your usual way to spend a christmas money but look on the brighter side. This big sacrifice will benefit you in the long run especially if you are lagging behind payments or merely paying the interest. Paying off your loans will shorten the time of payment anf will let you enjoy your money the sooner you full paid it. 

Get an insurance

Nowadays, getting an insurance is no longer as complicated as before as they are no longer limited to a certain product offerings. Most insurance companies give you the freedom to use your insurance fund to where you want to use it. Insurance is a good investment to have as it gives you a sense of security and protection from any unforeseen events. 

Enhance your skills 

Been wanting to learn new skill sets? Use your 13th month pay to enroll a course that will enhance your skills. Finishing a particular course can give you a sense of fulfillment whether that skill is a hobby or something useful in you current and future job. Take note, self-investment has always been the key of successful people. 

Fund a passion project

Use your 13th month pay to jumpstart a passion project. Whether your project is simple or big, funding something that you are passionate about and actually see it grow will give you a sense of accomplishment and happiness more than receiving your actual paycheck. Who knows, your passion project will eventually be your road to breaking free from your office cubicles for good. 😉


Lastly, use your Christmas bonus to travel to your dream destination. Buy a ticket, pack your bags and travel to your heart’s content this holiday. As you reach your destination, immerse yourself with the experiences and culture that will give you new perspectives. 

Enjoy the holidays everyone! 



How to be fit without ruining your budget

Myth: Being fit can put a hole in your budget. 

Most people find it very hard to get fit these days and one of the reasons is that they find it very costly to be fit and healthy. With a lot of social media hype about healthy lifestyles, fitness has become a status symbol rather than a necessity to many. Maybe because of too much commercialism, people automatically equates fitness with a hefty price tag that only a few could afford. 

But hey, do you know that you can still be healthy without breaking your bank account? Here are some simple tips for a healthier you without compromising your budget. 

Ditch the gym

Photo: P & G Everyday

Yes, gym memberships are costly. But there are still ways on how you can get your dose of exercise without enrolling in a gym. Running and walking outdoors for a minimum of 30 mins are simple ways of getting your exercise. Plus there are a lot of fitness apps and exercise videos that you can download for free from the internet which you can practically do anywhere. 

Hate of doing your exercise alone? Get a fitness buddy who will motivate you to exercise constantly.

Prep your own meal

Photo: Eat Yourself Skinny

There are a lot of wellness gourmet food delivery out there but with a pricey tag price. Try to prepare your own meal instead. You’ll be surprised on how much moolah you can save by simply planning and preparing your own meals. Plus, since you are doing the preparation, you know what’s inside the food your taking in. You don’t need the fancy ingredients as well. You can do a healthier version of your favorite food by simply substituting ingredients. Just remember these rules: less salt, less fat, more greens. 

Know your nutrition

Being healthy is no rocket science. In fact, health and wellness are being taught to us since grade school. If you’re at lost with your nutrition, go back to basics,i.e., the go-glow- grow food group and the food pyramid to guide you. Avoid junk foods and fast foods as well. And don’t be a couch potato- start moving. You’ll be surprised how much these little things can do to your whole well- being.