If you pay every two weeks, you will get a third salary in a few months of the year.

how? There are 52 weeks of the year and if you pay every two weeks, you have 26 salaries. Most months have four weeks, so usually you get a salary twice a month. However, since 26 salaries are insufficiently allocated in 12 months, there are usually two months each year to receive an additional (third) salary.

In the calendar, your three retail months will depend on your first salary for the year.

This is what month breaks down into three months, depending on when you get your 2025 salary:

Comb your payroll or bank statement to track the date of your first salary in 2025 to see when you can expect a third salary.

Getting an extra salary in a month can be exciting - you may feel like you're paid "extra" and trying to splurge. However, remember that you are paying according to your regular schedule, which is part of your typical salary.

Even so, it may be helpful to receive three paychecks in the same month. So be sure to plan for the money in advance.

Read more: Fighting against the budget? Following the 50/30/20 rule may be your solution.

If you expect three paid month soon, here are a few ways to make the most of it and be successful:

Use your extra funds to pay for additional mortgages, credit card payments or student loan payments. This can help you cut your debt balance faster and lower your total interest cost.

For example, suppose you have a $400,000 30-year mortgage with a fixed interest rate of 7.4%. During your loan term, if you stick to the original monthly payment schedule, you will pay $597,027 in interest. However, with an extra payment, you can reduce the total interest you pay to $575,227 over the life of your loan. If you have a three paid month habit at a time, it can save you thousands in 30 years.

Once you have paid for your monthly fee, you may need to set aside some additional savings for your emergency fund or long-term goals. To improve your savings strategy, you can invest this money in a high yield savings account or a high yield certificate (CD) to get compound interest on that balance over time.

Many banks and credit unions offer high-yield savings accounts and CDs with interest rates up to 4%. This is much higher than the national average savings rate of 0.41%.

Getting an extra salary within one month can give you a good mat for your monthly budget. However, before you hit your direct deposit, think carefully about the money will have the greatest impact on your personal finances.