What not and what to do with your Christmas bonus?

How many times have you said, “I’ll start the diet on Monday …”, “This year I’ll save …”, “Now I will pay all my debts …”, but you never start?

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What not and what to do with your Christmas bonus?
What not and what to do with your Christmas bonus?

I arrive December. It already smells like punch and Christmas dinner, the resolutions for the new year begin and for your well-deserved effort the long-awaited Christmas present arrives. But do you know what you’re going to do with it?

According to a study conducted by CONDUSEF, 90% of Mexicans are thinking not only about buying gifts and spending on year-end promotions, but also about using their Christmas bonus Pay off your debt, but only meet 35%, and the rest is affected in their finances.

How many times have you said, “I’ll start the diet on Monday …”, “This year I’ll save …”, “Now I will pay all my debts …”, but you never start?

As you can see, you aren’t the only one, but it’s not your fault, it’s for lack of structure. And since I don’t want it to happen to you again and again, I decided to write this article for you so that you know what YES and what NOT to do when you receive your Christmas bonus.



  • To be tempted: You will be surrounded by offers, promotions, interest free months, etc. Danger! Avoid buying things you don’t need, no matter how cheap they are.
  • Acquiring new debt: If you have no debt, don’t make it difficult. Start healthy finances in 2021 and forget about those annoying payments.
  • Compulsive Shopping: Buy only what you need. If you didn’t intend to buy something, don’t.
  • Spend everything on Christmas gifts: Lots of people will buy gifts like they’re Santa Claus, but don’t worry, you aren’t. If you want to show love to your loved ones, you can give them something made for you and it won’t affect your finances.
  • Misuse credit cards: Ok, you have already planned to buy certain things, but you have realized that you are not enough to buy everything for cash. Do not abuse the cards and be careful with the monthly interest-free trick.
  • Gradually grab: If you don’t think about what you’re going to be spending your money on, don’t gradually reach for ant expenses because, as they say, the water leaks drop by drop … and so does your money.
  • Allocate all of the money to one thing: Don’t use all of your strenna to buy things you don’t need unless you are going to pay off your debts or invest them.
  • To lend: A lot of people take advantage of the fact that everyone has money and they start borrowing to spend more … I recommend that you only borrow money when you don’t need it. Think that money you borrow is money you give away.
  • Expenses for expenses: If you don’t need it, don’t buy it, not because you have money, you have to spend it.
  • Make emotional purchases: It’s like being tempted. Don’t get carried away with the flashy offers that make you want to buy things that you (currently) think are necessary and later find out that your emotions have just dragged you away.



  • Pay debt: Try to pay off what you owe before you get more debt. If you have only one debt, try to pay it off once and for all. If you have more than one, prepayments or reduce your debt so you can start your good year with peace of mind.
  • Invest: The best part about having money is that it can be made to grow. If you’re not an investment expert and one of your New Year’s resolutions is to learn, I recommend starting at CETES (you can do this for as little as $ 100).
  • Take back your purposes: Is the year coming to an end and you haven’t fulfilled any of your resolutions? If you had planned to go on a trip, take a class, or buy something but haven’t had an opportunity (or money), take advantage of your strenna and make sure you don’t end the year without completing at least one .
  • Think ahead: Remember, January is coming and if you don’t stop it it could affect your finances and January can be the toughest month of the year. So think ahead.
  • Make a distinction between needs and wishes: Before you go shopping at the end of the year, make a list and order it according to the real needs you really have and discard what you “think is necessary” (but no).
  • Do you have a backup: Keeping it in your budget will save a little of your strenna for any unforeseen event that occurs on these dates.
  • Compare: In many stores, they take the opportunity to raise their prices and make some “offers” when there is a mass shopping season. Don’t buy in the first place, compare prices and choose the one that suits you best.
  • Make a budget: Separate your strenna so you know how much you will be spending on what, plan your finances for this year-end and prevent your money from going where you least expected it.
  • Reward: The bonus is the result of your efforts throughout the year. It pays to use part of it to buy what you want, but remember, only part of it.
  • Take care of your money: It’s your money and no one will take care of it for you. Take responsibility for the management and healthy finances.

If you’ve done more than that in the past few years NO you have to YES You have to do with your Christmas bonus, it’s time to generate the change you need before the end of the year.

And so that it doesn’t happen to you again, I recommend this You give a destination to every peso that gets into your pocket.

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