Your 13th-month pay just landed, and suddenly the world feels wide open. It’s tempting to go full haul mode and treat yourself to everything you’ve been eyeing all year. But before you start tapping “Add to cart,” here’s a quick reminder: your bonus is more than a year-end reward — it’s a reset button. It’s one of the best opportunities you’ll get to strengthen your finances and set yourself up for a smoother, more empowered 2026

Start by giving every peso a purpose. A simple split works wonders: 50 percent for bills and responsibilities, 30 percent for fun and holiday treats, and 20 percent for savings or investments. This balance keeps you practical without taking away the joy of spending. And when you do spend, make your payments intentional. Use Maya for your purchases — from gifts to groceries to holiday outings — because this Christmas, using Maya also gives you and your chosen referral a shot at becoming “twinyonaryos,” with each of you winning P1 million.

Next, think about “future you.” Start with Maya Savings, where your money can earn up to 15 percent p.a., credited daily so your bonus starts growing instantly. Even if you move just a portion of your 13th-month pay, the daily interest helps you build momentum for the year ahead.

If you want more structure, Maya Personal Goals is your best bet for keeping your finances organized. You can create up to five separate goal accounts, each earning a base rate of 4 percent p.a., with your interest increasing every time you add P20,000 — up to 8 percent p.a. for balances of up to P100,000. Create goals for emergencies, travel, home upgrades, big purchases, or long-term plans. There are no lock-ins, no penalties, just clearly defined goals that help your money grow with intention.

For those who prefer predictable and steady growth, Time Deposit Plus offers guaranteed rates of up to 6 percent p.a. for 3-, 6-, or 12-month terms, on deposits of up to P1 million per account

Finally, give yourself a buffer for life’s surprises. Use part of your bonus to strengthen your emergency fund through Maya Savings or a dedicated Personal Goal. And if something bigger comes up, Maya Easy Credit gives you instant access to extra funds with no collateral and no paperwork — so you won’t need to drain your savings

Learn more at maya.ph or mayabank.ph. Deposits are insured by PDIC up to P1 million.