Insights Blog
Dec 20, 2023

The 13th month pay and Christmas bonus(es) are among the things that make the holidays the most wonderful time of the year for many. While most people tend to spend on their present wants, having the extra money is a great opportunity for you to invest it for greater returns in the future.


In case you haven’t spent your holiday bonuses yet, here are three simple ways you can replace the "spending" mindset with an "investing" one.

Investing in Yourself

Investing in activities to develop your mind and body will benefit you in the long run. While enrolling in further education or gym memberships may seem like indirect paths to wealth, the enduring benefits of overall well-being ultimately create better opportunities for your future success.

Investing Actively in Your Financial Future

Placing your extra money in a savings account is good, but it’s even great to explore other financial instruments, such as investing in real estate, stocks, or bonds, that give better returns in the long run. Before getting into these, though, make sure to research how it is to invest in these financial tools. Aside from reading credible articles, get your information from trustworthy people who can teach you the pros and cons of investing.


Unbeknownst to most, banks like BPI offer financial products and services and advice on how to grow your money safely.

Investing in Others

Christmas is the season of giving. Having the extra money is an excellent opportunity to share your blessings with charities or causes you advocate. Embracing the spirit of giving not only brings a deep sense of fulfillment but also on a practical level, broadens your horizons, exposes you to potential opportunities, and introduces you to like-minded individuals.


Your holiday bonuses are a monetary gift for working hard throughout the year. Make them work for you more by investing instead of splurging. Putting that extra money into good use allows you to end the current year right and start the new year with a step toward a brighter financial future.