It’s that time of the year again where people get their
bonuses and go all-out with their purchases. While this might be the
perfect time to tick off items from your wish list, it's also important
to prioritize your spending on those purchases
which can benefit you in the long run. We list down below
recommendations on how to spend your 13th-month pay wisely:
- Buy stocks
Getting into investments can seem intimidating at first.
But with the vast information that can be easily accessed online, it’s
easier to be financially literate in the Philippines. Check out some
books and YouTube videos on how to properly
strategize and choose the right stocks and investments based on your
financial goal. This can pay off in the long run as long as you make
smart decisions on where your money goes.
- Start an emergency fund
Having a separate emergency fund is a necessity in order
to be prepared when the time comes for unexpected expenses such as
medical bills, house, and auto repairs. At a minimum, one should have
three months worth of living expenses in your emergency
fund. There are also online emergency fund calculators to help you
decide on how to do this. Make sure to create a separate bank account
for this to properly manage your accounts. Saving up for an emergency
fund and knowing that one is all set can give a person
a sense of security that can allow an individual to live a more
peaceful life.
- Pay off debt
Adulting also entails being responsible for liabilities.
In order to start the year completely fresh, pay off the debt you’ve
accumulated throughout the year! This makes way for a clean slate and a
restart on how you purchase and prioritize
expenses for 2020.
- Upgrade your home appliance
Keeping the household intact is always a priority. Home
appliances play a big role in the household and should serve their
purpose in both function and design. If it seems like home appliances
are showing signs that they are about to break down
such as discoloration, making weird noises and not doing its job
efficiently, then replace them before they bring inconvenience to the
household. With the different innovations out in the market, it’s
important to choose the appliance that will serve one’s
family’s needs. Also, watch out for sales and promos during the season
that can save you money to spend on other necessities.
Samsung DV90 Heatpump Dryer stacked with Samsung Front Load Washer
Samsung DV90 Heatpump Dryer
that has Heatpump and Optimal Dry technology to dry clothes
efficiently. This is perfect for big households
who need to save time and electric consumption when drying clothes. Get
this for as low as PHP 3,895 for 12 months installment. This also comes
with a free stacking kit to save space around your household! (see
below)
Samsung Front Load Washer 7.5 kg
is equipped with Eco Bubble Technology that turns detergent into
powerful bubbles to easily remove
dirt. One can also add forgotten laundry at any cycle using the Add
Wash function. Get this for as low as PHP 31,995 that comes with PHP
1,000 Bayad Center e-Coupon. This also comes with a payment option of 12
months installment of PHP 3,000/month.
Samsung RS54 Refrigerator
offers
an All-around cooling and Power Freeze function that rapidly and evenly
cools every corner of the fridge, ensuring food is always fresh. It
also uses Digital Inverter Technology that
consumes less energy than conventional refrigerators. Get this for as
low as PHP 49,796 that comes with PHP 1,000 Bayad Center e-Coupon. This
also comes with a payment option of 12 months installment of PHP
4,650/month.
Samsung Smart Oven 35-liter
functions as a convection oven and a microwave that can be used for
baking, grilling, slim frying, defrosting,
steaming and even making yogurt, making it the perfect cooking
appliance. Get this for PHP23,995 that comes with PHP1,000 Bayad Center
e-Coupon and a payment option of 12 months installment of
PHP2,250/month.
Basic Inverter Wind-Free Air Conditioner with 21,000 Micro Holes that cools the room evenly with no harsh air. Get this for PHP 33,535
that comes with PHP 500 Bayad Center e-Coupon and a payment option of 12 months installment of PHP3,120/month.
- Classes and courses
If taking a short course has been on the list for so
long, then this can definitely be a good time to take it. Adding skills
and knowledge can definitely pay off in the long run. If you worry about
not being able to attend classes regularly,
consider checking out online courses such as
skillshare.com,
coursera.org, and Udemy.com. These websites offer thousands of
courses from crafts, science and business, and can be taken on one’s own
time. Don’t be afraid to spend on things that can benefit you as
self-investment.
Splurging on items that can be smart investments is
something that people shouldn’t feel bad about. With Samsung Digital
Appliance’s Merrier Christmas Gifts, one can enjoy discounts up to 25%
off and Bayad Center eCoupons to use to pay for household
bills.
To know more about the Merrier Christmas Gifts Promo of Samsung Digital Appliances, visit
https://www.samsung.com/ph/offer/merrierchristmasgifts/appliances/. This promo runs from October 1, 2019 to January 31, 2020.
About Samsung Electronics Co., Ltd.
Samsung
inspires
the world and shapes the future with transformative ideas and
technologies. The company is redefining the worlds of TVs, smartphones,
wearable devices, tablets, digital appliances, network systems, and
memory, system LSI and LED solutions. For the latest news,
please visit the Samsung Newsroom at http://news.samsung.com
and SamsungPH
on Facebook.
Like this post? Subscribe to Manila Life by Email
Like Manila Life on Facebook to be updated.
