How to Enjoy and Save Your 13th-Month Pay

It’s easy to get swept up in the excitement of giving and celebrating during the holidays. However, this season is the perfect time to pause and ensure our financial choices reflect what truly matters: our families, goals, and peace of mind.

At SAVii, we believe the holidays should bring joy, not stress. That’s why we’re introducing the Smart Split: an intentional spending plan that follows the 40-30-30 formula, so you can make the most of your 13th-month pay. 

By applying this balanced approach, you can truly enjoy the season and confidently face what comes next. Here’s how:

1. Essentials Fund (40%)

Start with what keeps your foundation strong.

Use this part of your bonus to cover essentials such as bills, loan payments, or to top up your emergency savings. It’s your safety net for a stress-free holiday.

Pro tip: Before shopping season starts, set up a separate savings or e-wallet account for bills, then link that account to your automatic payments. This way, your essentials are covered.

2. Joy Fund (30%)

You deserve to enjoy what you’ve worked hard for.

Reserve this portion for the fun stuff: gifts, noche buena, reunions, or even a little self-reward. When you set your limit early, you’ll enjoy the season without post-holiday guilt.

Pro tip: Book your fun moments early. Grab movie passes, gift cards, or early-bird travel tickets before the holiday rush. By the time the season hits, your treats are already prepaid - no last-minute swiping, no guilt, no stress!

3. Growth Fund (30%)

This is where your bonus becomes a stepping stone for 2026.

Allot it to start or grow your savings, build a small investment, or upgrade your skills. Think of it as giving your future self a gift.

Pro tip: Set aside part of your bonus for your financial goals: savings, investments, or an emergency fund. If there’s extra, you can upgrade your workspace or take a short course. Prioritize what strengthens both your finances and well-being.

The holidays are about connection, not consumption. By spending your 13th-month pay with intention and clarity, you create lasting financial purpose, not just a fleeting expense.

Plan your Smart Split with SAVii

With SAVii, you can manage your money wisely and get financial assistance for what truly matters. Log in to your SAVii App to explore your options.