Got a Year-End Bonus? Here’s How to Upgrade Your Tech Without Blowing It All

That year-end bonus finally hit your account.

And suddenly, the phone with the cracked screen or the laptop that lags during meetings feels long overdue for an upgrade. You’ve earned it — so why not treat yourself?

But here’s the catch: big tech purchases often come with big upfront costs, and once your bonus is spent, it’s gone. Between travel plans, savings goals, and everyday expenses, splurging everything in one go can leave you wondering where your bonus even went.

The good news? There’s a smarter way to upgrade your tech — one that lets your bonus work harder and last longer.

Paying in full for a brand-new device feels straightforward, but it comes with hidden trade-offs:

• A large lump-sum payment that eats into your bonus

• Less flexibility if your priorities change

• A device that starts depreciating the moment you unbox it

In today’s world, technology evolves fast. Phones, laptops, and tablets are refreshed every year, which means choosing to buy doesn’t always equal better value.

That’s why more people are rethinking how they upgrade their tech — especially at year-end.

Instead of spending your entire bonus on one purchase, consider spreading the cost while still enjoying premium devices.

This year-end, Cinch is offering limited-time deals on best-selling devices, with:

• Up to 36% OFF

• No complicated vouchers or redemption steps

• Lower monthly payments instead of a single large expense

• The freedom to upgrade again later, without being locked in long-term contracts

By pairing these deals with a flexible tech subscription, you can upgrade without draining your bonus overnight.

Technology isn’t built to stay the same — so why pay for it like it is?

A tech subscription allows you to:

• Avoid large upfront payments

• Pay predictable monthly amounts

• Upgrade more easily as your needs change

• Keep cash available for travel, savings, or emergencies

Instead of tying up thousands in a single device, your bonus supports your lifestyle across the year.

This approach is especially appealing at year-end, when spending tends to stack up quickly.

Not all tech subscriptions are created equal. Cinch is built for people who want flexibility, transparency, and real savings.

Here’s what sets Cinch apart:

1. Real savings upfront Cinch Deals apply genuine discounts — up to 36% off — on devices people actually want.

2. Flexible subscriptions Choose a monthly plan that fits your budget, without the pressure of buying outright.

3. Worry-free usage All devices come with 90% accidental damage coverage, so you're protected for any cracks, spills and damages.

4. Upgrade without commitment anxiety As your needs change, your tech can change too — without being locked into outdated devices.

Your year-end bonus shouldn’t disappear in a single transaction. It should continue adding value long after the festive season ends.

If you’re not sure where to start, keep it simple:

1. Identify the device you rely on daily — phone, laptop, or tablet

2. Visit the Cinch Deals page to see current year-end savings

3. Choose a subscription plan that spreads the cost comfortably

4. Keep the rest of your bonus for what matters most to you

This way, you enjoy the upgrade now — without the financial hangover later.

With limited-time deals and flexible tech subscriptions, Cinch helps you upgrade smarter, not harder.

👉 Explore Year-End Deals — Up to 36% OFF in Singapore