Overview
- Recent surveys cited by local outlets report that more than 70% of recipients spend the bonus immediately, eroding its long‑term impact.
- Advisers recommend waiting 48–72 hours before any purchase and parking the money in a remunerated account or digital wallet to earn small daily returns and curb impulse buys.
- A clear priority order is urged: first reduce high‑interest debts, then rebuild an emergency fund, and, where possible, prepay early‑year obligations such as school fees, vehicle taxes and insurance.
- After essentials, allocate a defined share to medium‑term goals and keep it in simple, short‑term instruments or a separate account to avoid mixing it with everyday spending.
- Guides also suggest reserving a modest, pre‑set amount for enjoyment, with the reminders timed as retirees, pensioners and salaried workers begin receiving the December half‑bonus in the coming weeks.