Got Leftover THR Sitting in Your Account? Don't Rush to Spend It, Do This Instead

If you're reading this and realize you still have some untouched THR left in your account, congratulations! You belong to the patient crowd who successfully resisted the temptation of those Eid flash sales. 

But often, this "idle" money doesn't live long. There's always that post-holiday syndrome temptation that makes us think, "Ah, since I still have some THR left, I might as well buy some new shoes." In reality, this money can absolutely be used to secure our financial future.

So your leftover THR doesn't just vanish into thin air, BGI has a few smart tricks to manage it:

Patch Up Your Emergency Fund

Let's be honest, during the Eid holiday, there were definitely some unexpected expenses, right? Whether it was a flat tire during the road trip, a sick kid, or distant relatives suddenly showing up at your house. If you ended up withdrawing from your emergency fund to cover all that, now is the perfect time to put that money back. An emergency fund is like a seatbelt; it always has to be ready before we hit the road.

Clear Your Annual Obligations

Instead of stressing over your paycheck getting slashed to pay annual bills, you're better off using your leftover THR. Check your calendar—do you have to pay for your vehicle registration renewal next month? Or maybe your property tax (PBB)? Even your annual insurance premium. Pay it now, and feel how relieved your monthly cash flow will be later.

Move It to a "Hard-to-Reach Place"

If you leave cold hard cash sitting in your operational account, you'll naturally want to swipe it. Move this leftover THR into investment instruments. For beginners, Money Market Mutual Funds or buying precious metals (gold) can be safe choices. You don't need to wait until you have a lot of money; start with a small amount as long as it's consistent and the money isn't easy to withdraw for snacks.

Invest from the Neck Up

It's not always about stocks or gold; investing in yourself never hurts. You can use this money to join a workshop, buy books related to your profession, or take a certification class. Leveling up your skills will ultimately have a positive impact on your career at the office, too.

So, what are you going to use that leftover THR for? Let's manage our money more wisely so our finances get healthier!