13th month pay. It’s one of the most awaited part of the christmas season of me and my coworkers. We are so happy today, cause our 13th month pay has been given. People have been awaiting for it with excitement. Our christmas bonus has not yet been given, probably next week or so.
Many employees feel as if they are one day millionaire when its christmas. They received all these great bonuses aside from their salary and they have all the money in their hand. But, it doesn’t last long. They spend it in trivial things which do not really last. Clothings, discount furniture, make ups, accessories, gadgets and other material things which they can really live without. Last year, that’s what most did. They spend all of their 13th month and eagerly awaited for the bonus. Only to be disappointed upon finding out the bonus was very small, because the company wasn’t doing very well at that year.
I don’t wanna be like that. I want to make sure, this blessing will be used for good things. Things that will generate more money. Basically, spend it on assets than on liabilities.
Assets are good. They help us earn more money from the existing money we already have. Liabilities are no good. Material things no matter how good they are, won’t last forever. Liabilities will take money out of you, and in reality do you no good when it comes to your financial standing. So be wise, and think it over before you buy that gucci bag, or any branded item. It might just do you better if you save it.

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