How long have you been working? And how many times did you received 13th-month pay? The main question is, how did you spend your 13th-month pay? Many employees received their 13th-month pay but just to spend it all away during Holiday season.

This is a sure way to waste your 13th-month pay

1. Spend on something that you don’t need. Example, you want to be popular in your office, buy a new iPhone 6 Plus even you have your iPhone 6 fully working.
2. Go to Department store and buy things on sale but you know that you will not use it in a few months and you will just put it in your cabinet.
3. Buy new shoes even you have 6 pairs of shoes in your closet that you are not using.
4. Go to casino and gamble your money
5. Go to beerhouse and drink a lot and pay a huge amount of money for a 1 night happiness (that is according to you).
6. Spend 13^th month pay without consulting your wife/husband.
7. Buy stocks due to hype as mentioned in the forum where you belong.
8. Invest in something that you did not study, you just invest because your friend said its the best investment.
9. Invest in something that everybody knows that it’s a scam. You have self-denial that you believe you can get immediate income buying that product.
10. Throw your money in the garbage can.

Well, I hope you know what I mean, spend your money well. Give what is due to God, share your blessings and think of something that after a year you will say that I have placed my 13th-month pay in place where I know it will grow and you can be a blessing to others.