Christmas is considered the happiest time of the year for many reasons; but one good reason to be happy during Christmas season is because of the 13th month pay and bonus. If you're thinking of smart ways to spend your 13th month pay and bonus, here are some things you should consider doing with it:
1. Pay Debts
The year has been very challenging and some of us had to get some loans or borrow money from others. One good way to make your Christmas merry and feel a little less stressed is by paying debts and free yourself from worry. If you think you could, it is wise to try to settle some debts to lessen your worries and have a happy holiday.
2. Additional Learning
Knowledge is the kind of wealth that no one can take away from you. Moreover, additional learning or skill can be a tool for success. It is a good idea to enroll in short courses that would increase your knowledge and improve your credentials. You never know? It could be your ticket to bigger opportunities.
3. Savings
Of course, Christmas is a time for splurging and giving gifts, but it is also a good time to start saving. Opening a savings account could be very helpful, as you will not only get to control your spendings, but also prepare for the future.
4. Business
Starting a business will sometimes require a good amount of capital. That is why it is also a great idea to start a business using your 13th month pay or bonus. Doing so will not only help you earn extra cash, but could also help you possibly build a stable livelihood.
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