Before You Spend Your 13th Month Pay, Read This Maya Money Guide

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Your 13th-month pay has arrived, and suddenly, there is a long list of things you have been waiting to buy. Holiday shopping, upgrades, travel plans, and well-deserved rewards all start calling your name. While treating yourself is part of the fun, your bonus also gives you a powerful chance to reset your finances and start the new year on a stronger footing.

If you want to enter 2026 feeling more confident about your money, here is how you can make your bonus work smarter with Maya, the number one digital bank and fintech ecosystem in the Philippines.

Give your bonus a clear purpose

Instead of spending everything right away, start by assigning every peso a role. A simple rule you can follow is to divide your bonus into three parts:
> 50 percent for bills and responsibilities
> 30 percent for enjoyment and personal treats
> 20 percent for savings or investments

Being intentional with spending helps you enjoy your bonus without regret. Use Maya when paying for gifts, groceries, bills, and holiday outings because this season, Maya gives you and your chosen referral a chance to become TWINYONARYOS, with each of you winning one million pesos. Using Maya Easy Credit earns you five times more entries, while referring friends with your Maya username gives you ten times more entries for every successful referral.

Set aside money for your future plans

One reason bonuses disappear fast is that everything stays in one account. To avoid this, move part of your bonus into spaces designed to help your money grow.

Start with Maya Savings, where you can earn up to 15 percent interest per year, credited daily. Even placing a small portion of your bonus here allows you to watch your savings grow consistently as you prepare for the year ahead.

For better structure, create Maya Personal Goals. You can open up to five goal accounts, each earning a base interest of 4 percent per year. As you add money, your interest rate increases by every 20,000 pesos deposited, up to 8 percent per year for balances of up to 100,000 pesos. These goals help you separate money for emergencies, travel, home upgrades, major purchases, or long-term plans without lock-in periods or stress.

If you prefer steady and predictable growth, Maya Time Deposit Plus is another solid option. You can lock in funds for 3, 6, or 12 months with guaranteed interest rates of up to 6 percent per year, with up to one million pesos per account. Since you can open up to five Time Deposit Plus accounts, you can grow as much as five million pesos at your own pace.

Unlike traditional time deposits, Time Deposit Plus allows you to add funds anytime, even after reaching your target amount. It offers the discipline of a time deposit with the flexibility many savers need.

Prepare for unexpected expenses

Unexpected expenses can quickly disrupt even the best plans. Your bonus is a good opportunity to strengthen your emergency fund. You can grow it using Maya Savings or create a dedicated Personal Goal specifically for emergencies.

For situations that require extra cash, Maya Easy Credit gives you instant access to funds with no paperwork and no collateral. This helps you handle surprises without touching your carefully built savings.

Your bonus does not have to disappear after the holidays. With the right tools and a bit of planning, it can support your goals and give you a more secure start to 2026.

To learn more, visit maya.ph or mayabank.ph and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas. Deposits are insured by PDIC up to one million pesos per depositor.