{"componentChunkName":"component---src-templates-pursuit-of-passion-pursuit-of-passion-tsx","path":"/pursuit-of-passion/what-are-you-really-supposed-to-do-with-your-13th-month-pay/","result":{"data":{"pursuitOfPassionData":{"seoTitle":null,"seoDescription":null,"title":"What are You Really Supposed to Do with Your 13th-Month Pay?","subtitle":"","category":"finance","featuredImage":"https://rbgcms-alb-prod.ayalaland.com/content/uploads/images/1674393878524-346767-pj2h63po0q.jpg","optimizedFeaturedImg":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#d8c8c8","images":{"fallback":{"src":"/static/1199ea37daa4d1cbb2a92ceee3b3c83c/bab97/1674393878524-346767-pj2h63po0q.webp","srcSet":"/static/1199ea37daa4d1cbb2a92ceee3b3c83c/bde8a/1674393878524-346767-pj2h63po0q.webp 960w,\n/static/1199ea37daa4d1cbb2a92ceee3b3c83c/c512e/1674393878524-346767-pj2h63po0q.webp 1920w,\n/static/1199ea37daa4d1cbb2a92ceee3b3c83c/bab97/1674393878524-346767-pj2h63po0q.webp 3840w","sizes":"(min-width: 3840px) 3840px, 100vw"},"sources":[]},"width":3840,"height":2160}}},"videoLink":"","slug":"what-are-you-really-supposed-to-do-with-your-13th-month-pay","datePublished":"November 15, 2022","shortDescription":"Having extra money to spend is a huge responsibility.\n","homeBanner":null,"contents":[{"caption":null,"caption1":null,"caption2":null,"caption3":null,"caption4":null,"title1":null,"title2":null,"title":"","description1":null,"description2":null,"description":"For many of us, the holidays officially start when we get our 13th month pay. More funds mean more expenses, from advanced holiday dinners to office gift exchanges. But before you start splurging your Christmas bonus, take a quick moment to think about your long-term financial stability.\n\nAs business and motivational speaker Francis Kong said during a recent Homepossible event by Avida Land, “Gone are the days when you would say, ‘I’m just going to work. At the age of 60, I’m going to retire. Meanwhile, when money comes in, I’m going to spend like crazy.’ We have to be wiser now because the times are no longer the same.”\n\nIf there’s anything the past couple of years has taught us, the only certain thing is uncertainty. We need to make sure we future-proof our finances so that we can stay comfortable well past retirement age. And that means it’s probably a good idea to set aside some of your 13th month pay for some sound investments.\nHere are a few ways you can spend your holiday bonus responsibly:\n","optimizedContentImg":null,"optimizedContentImg1":null,"optimizedContentImg2":null,"optimizedContentImg3":null,"optimizedContentImg4":null,"message":null,"type":"component9","video":null},{"caption":null,"caption1":null,"caption2":null,"caption3":null,"caption4":null,"title1":null,"title2":null,"title":"Stocks","description1":null,"description2":null,"description":"Stocks are essentially ownership shares of a company, and increase in value as the company itself increases in value. There’s a small amount of risk involved as some companies perform poorly enough to devalue your stock, but that’s easily avoided with some research—or the help of an advisor.\n","optimizedContentImg":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#d8d8d8","images":{"fallback":{"src":"/static/52e75e4ae40b73b4fe96113efd751722/b84a9/1674394043262-242346-8umcjxta8f.webp","srcSet":"/static/52e75e4ae40b73b4fe96113efd751722/405d4/1674394043262-242346-8umcjxta8f.webp 160w,\n/static/52e75e4ae40b73b4fe96113efd751722/05a04/1674394043262-242346-8umcjxta8f.webp 320w,\n/static/52e75e4ae40b73b4fe96113efd751722/b84a9/1674394043262-242346-8umcjxta8f.webp 640w","sizes":"(min-width: 640px) 640px, 100vw"},"sources":[]},"width":640,"height":428}}},"optimizedContentImg1":null,"optimizedContentImg2":null,"optimizedContentImg3":null,"optimizedContentImg4":null,"message":null,"type":"component5","video":null},{"caption":null,"caption1":null,"caption2":null,"caption3":null,"caption4":null,"title1":null,"title2":null,"title":"Bonds","description1":null,"description2":null,"description":"If you’d rather not risk your money on underperforming companies, you can choose to loan them money instead. Bonds are debts issued to companies investing in their own growth, and earn you money through the interest they pay.\n","optimizedContentImg":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#f8f8f8","images":{"fallback":{"src":"/static/3daa4284a58c5f82addcfb6041f3e8d1/62859/1674394059473-220332-s4v21b5p06.webp","srcSet":"/static/3daa4284a58c5f82addcfb6041f3e8d1/405d4/1674394059473-220332-s4v21b5p06.webp 160w,\n/static/3daa4284a58c5f82addcfb6041f3e8d1/dde70/1674394059473-220332-s4v21b5p06.webp 320w,\n/static/3daa4284a58c5f82addcfb6041f3e8d1/62859/1674394059473-220332-s4v21b5p06.webp 640w","sizes":"(min-width: 640px) 640px, 100vw"},"sources":[]},"width":640,"height":426.99999999999994}}},"optimizedContentImg1":null,"optimizedContentImg2":null,"optimizedContentImg3":null,"optimizedContentImg4":null,"message":null,"type":"component5","video":null},{"caption":null,"caption1":null,"caption2":null,"caption3":null,"caption4":null,"title1":null,"title2":null,"title":"Mutual Funds","description1":null,"description2":null,"description":"These are basically the bayanihan of investment: your money is pooled together with other investors’ money, and a professional finance manager uses those funds to purchase assets like stocks and bonds. Because there’s a lower barrier to entry, it’s a great way to invest a portion of your 13th month while still keeping some of it for spoiling yourself.\n","optimizedContentImg":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#f8f8e8","images":{"fallback":{"src":"/static/e7e5ab8ccd5eff9c9b184427687ff9f3/62859/1674394077228-236996-m0kamgc6gis.webp","srcSet":"/static/e7e5ab8ccd5eff9c9b184427687ff9f3/405d4/1674394077228-236996-m0kamgc6gis.webp 160w,\n/static/e7e5ab8ccd5eff9c9b184427687ff9f3/dde70/1674394077228-236996-m0kamgc6gis.webp 320w,\n/static/e7e5ab8ccd5eff9c9b184427687ff9f3/62859/1674394077228-236996-m0kamgc6gis.webp 640w","sizes":"(min-width: 640px) 640px, 100vw"},"sources":[]},"width":640,"height":426.99999999999994}}},"optimizedContentImg1":null,"optimizedContentImg2":null,"optimizedContentImg3":null,"optimizedContentImg4":null,"message":null,"type":"component5","video":null},{"caption":null,"caption1":null,"caption2":null,"caption3":null,"caption4":null,"title1":null,"title2":null,"title":"Certificate of Deposit","description1":null,"description2":null,"description":"These work like savings accounts, except you can’t withdraw your funds until a certain amount of time. The good news is that they earn a lot more interest, making them a good place to stash some extra holiday cash.\n","optimizedContentImg":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#f8f8f8","images":{"fallback":{"src":"/static/d06fa800acb21059e452c2d7d34bfe6a/62859/1674394097993-190137-kmal2sz67ys.webp","srcSet":"/static/d06fa800acb21059e452c2d7d34bfe6a/405d4/1674394097993-190137-kmal2sz67ys.webp 160w,\n/static/d06fa800acb21059e452c2d7d34bfe6a/dde70/1674394097993-190137-kmal2sz67ys.webp 320w,\n/static/d06fa800acb21059e452c2d7d34bfe6a/62859/1674394097993-190137-kmal2sz67ys.webp 640w","sizes":"(min-width: 640px) 640px, 100vw"},"sources":[]},"width":640,"height":426.99999999999994}}},"optimizedContentImg1":null,"optimizedContentImg2":null,"optimizedContentImg3":null,"optimizedContentImg4":null,"message":null,"type":"component5","video":null},{"caption":null,"caption1":null,"caption2":null,"caption3":null,"caption4":null,"title1":null,"title2":null,"title":"Real-Estate","description1":null,"description2":null,"description":"Not only does real estate rise in value over time, you can also earn from it by renting the property out. It’s a way to combine passive income and long-term investment in one package. The trick to making a low-risk real estate investment is to go with a developer known for quality projects in prime locations.\n\nAvida Land, for example, builds their properties in areas where infrastructure improvements are being constructed. These projects naturally raise the value of the location, which in turn increases the value of the Avida Land developments near them. It’s the kind of forward-thinking investment that could pay off very well in the long-term.\n","optimizedContentImg":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#d8d8d8","images":{"fallback":{"src":"/static/d9a2dbaeb6a86739a67daa9de1bbde1c/7090f/1674394128098-180975-jdchbwh90ze.webp","srcSet":"/static/d9a2dbaeb6a86739a67daa9de1bbde1c/79906/1674394128098-180975-jdchbwh90ze.webp 160w,\n/static/d9a2dbaeb6a86739a67daa9de1bbde1c/13b91/1674394128098-180975-jdchbwh90ze.webp 320w,\n/static/d9a2dbaeb6a86739a67daa9de1bbde1c/7090f/1674394128098-180975-jdchbwh90ze.webp 640w","sizes":"(min-width: 640px) 640px, 100vw"},"sources":[]},"width":640,"height":481}}},"optimizedContentImg1":null,"optimizedContentImg2":null,"optimizedContentImg3":null,"optimizedContentImg4":null,"message":null,"type":"component5","video":null},{"caption":null,"caption1":null,"caption2":null,"caption3":null,"caption4":null,"title1":null,"title2":null,"title":"","description1":null,"description2":null,"description":"When you see your 13th month bonus deposited into your account this year, remember to save some of that excitement for your future financial independence. By investing some of it for the future, you could give yourself a few decades’ worth of Christmas bonuses as your assets grow in value. \n\nIf you’re considering investing in an Avida Land property, follow this link to learn more and get in touch with an Avida property specialist.\n\n","optimizedContentImg":null,"optimizedContentImg1":null,"optimizedContentImg2":null,"optimizedContentImg3":null,"optimizedContentImg4":null,"message":null,"type":"component9","video":null}],"tags":[]},"recentArticles":{"nodes":[{"id":"9f566257-1cbc-52e9-9a33-b37fadedefd4","title":"Avida Towers Verge: Designed for the Young Professionals of Today","slug":"avida-towers-verge-designed-for-the-young-professionals-of-today","category":"people","datePublished":"October 11, 2025","featuredImage":"https://rbgcms-alb-prod.ayalaland.com/content/uploads/images/1761144341050-7998978-yjj3h88mwva.jpg","optimizedFeaturedImg":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#c8d8e8","images":{"fallback":{"src":"/static/d163c686ce02fabad81633bf83c12dc5/d5aed/1761144341050-7998978-yjj3h88mwva.webp","srcSet":"/static/d163c686ce02fabad81633bf83c12dc5/df859/1761144341050-7998978-yjj3h88mwva.webp 1752w,\n/static/d163c686ce02fabad81633bf83c12dc5/0042d/1761144341050-7998978-yjj3h88mwva.webp 3504w,\n/static/d163c686ce02fabad81633bf83c12dc5/d5aed/1761144341050-7998978-yjj3h88mwva.webp 7008w","sizes":"(min-width: 7008px) 7008px, 100vw"},"sources":[]},"width":7008,"height":4672}}}},{"id":"884cdfee-e800-544b-aa87-e23dd3682113","title":"Safe at Home: A Closer Look at Avida’s Earthquake-Resilient Developments ","slug":"safe-at-home-a-closer-look-at-avidas-earthquake-resilient-developments","category":"home & design","datePublished":"October 20, 2025","featuredImage":"https://rbgcms-alb-prod.ayalaland.com/content/uploads/images/1760951655655-1754941-2h7s50c3375.jpg","optimizedFeaturedImg":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#88a8c8","images":{"fallback":{"src":"/static/2b07977bd4a8a72424b079c95d1dd751/933c8/1760951655655-1754941-2h7s50c3375.webp","srcSet":"/static/2b07977bd4a8a72424b079c95d1dd751/b4c1c/1760951655655-1754941-2h7s50c3375.webp 1320w,\n/static/2b07977bd4a8a72424b079c95d1dd751/9ed85/1760951655655-1754941-2h7s50c3375.webp 2640w,\n/static/2b07977bd4a8a72424b079c95d1dd751/933c8/1760951655655-1754941-2h7s50c3375.webp 5280w","sizes":"(min-width: 5280px) 5280px, 100vw"},"sources":[]},"width":5280,"height":2970}}}},{"id":"7a1c99ea-af45-5029-8310-2b4bc7d4d7e2","title":"The Essential Things | Avida Towers Cloverleaf ","slug":"the-essential-things-avida-towers-cloverleaf","category":"people","datePublished":"September 10, 2025","featuredImage":"https://rbgcms-alb-prod.ayalaland.com/content/uploads/images/1757467788126-978043-wm23d2fosor.jpg","optimizedFeaturedImg":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#58a858","images":{"fallback":{"src":"/static/fcd557e256aec4cf32d8299b1e34cb73/a2e54/1757467788126-978043-wm23d2fosor.webp","srcSet":"/static/fcd557e256aec4cf32d8299b1e34cb73/074d3/1757467788126-978043-wm23d2fosor.webp 1240w,\n/static/fcd557e256aec4cf32d8299b1e34cb73/332a0/1757467788126-978043-wm23d2fosor.webp 2481w,\n/static/fcd557e256aec4cf32d8299b1e34cb73/a2e54/1757467788126-978043-wm23d2fosor.webp 4961w","sizes":"(min-width: 4961px) 4961px, 100vw"},"sources":[]},"width":4961,"height":3304}}}}]}},"pageContext":{"id":"04b2bb26-07ac-52ad-9023-69acd75b204c","next":{"slug":"should-you-invest-in-a-condo-or-a-house-and-lot","title":"Should you invest in a Condo or a House and Lot?","category":"finance"},"previous":{"slug":"5-factors-to-consider-when-looking-for-a-condo-to-invest-in","title":"5 Factors to Consider When Looking for a Condo to Invest In","category":"finance"},"pursuitOfPassionCategories":["people","places","home & design","wellness","travel & leisure","finance","videos"]}},"staticQueryHashes":["3438892364","3635065473","3827149321","65569352"]}