Your 13th-month pay just landed and suddenly everything feels possible. The cart you’ve been “saving for later,” the holiday plans, the upgrades, the “I deserve this” moment. But before you go full haul mode, here’s a little reality check: your bonus is more than a treat. It’s a reset button, a jumpstart, and honestly, one of the best chances you’ll get all year to build a healthier relationship with your money.
So if you want to enter 2026 with your finances looking put together, here’s your guide — powered by Maya, the #1 Digital Bank and #1 Fintech Ecosystem in the Philippines.




