Key tips for managing gratification wisely and enhancing financial stability

The arrival of the bonus for many workers represents a financial relief, a golden opportunity to strengthen economic stability and cover additional needs. However, efficient management of this additional income is key to ensuring a profitable and long-lasting use over time. Germán Manrique, Microfinance Manager at Equifax, shares valuable advice on how to invest wisely, reduce debts, and avoid common mistakes when handling this money. Currently, the bonus is equivalent to a salary, plus an extraordinary 9% bonus for EsSalud payment. However, of the approximately 6.1 million people in the formal labor market who receive this benefit, only 2% manage to earn a salary higher than S/ 15,000. The average bonus for a worker ranges from S/ 1,850 to S/ 3,500, varying according to the sector, profession, and occupational level. One of the fundamental tips that Manrique emphasizes is the importance of allocating the bonus to pay off debts, an effective strategy to maintain long-term financial balance. It is advised not to allocate more than 30% of the monthly income to debt repayment and to carefully evaluate payment conditions, including interest rates and the flexibility of financial institutions. For those who wish to venture into the world of investments, it is recommended to start with low-risk options such as fixed-term savings accounts or mutual funds, ideal for those seeking security in their investments. Likewise, for those who own a business, investing in working capital assets can be an interesting alternative. Manrique suggests that those willing to take greater risks consider options such as microfactoring, buying shares in the secondary market, and leasing, depending on each person's risk tolerance level. Sectors such as financial services, technology, and services are the most promising for investing the bonus and obtaining adequate profitability, while reducing the investment portfolio risk. Furthermore, it is important to consider safe-haven currencies such as the dollar, gold purchases, and commodities, as they offer stability in times of economic volatility. It is essential to ensure that the chosen sector for investing the bonus has healthy and promising growth to maximize returns. Planning and prioritizing expenses, avoiding impulsive use of money, making a list of priorities, and establishing a clear budget are fundamental actions to avoid hasty and misguided financial decisions. It is strongly recommended to acquire knowledge about financial education and seek advice before committing to any type of debt, especially at a young age. Responsible use of credit, allocating it only to essential needs and ensuring the ability to repay, is crucial to avoid falling into an unsustainable debt cycle. According to Equifax data, out of every 10 people entering the credit system, only 8 maintain a positive credit history, while 2 fail to reintegrate within a 5-year period. In summary, the bonus offers a valuable opportunity to improve financial health, but its proper and conscious management is key to making the most of this additional income.