Christmas is just around the corner, and for most of us in the working population, this means one thing-- the much-awaited 13th month pay (and additional bonuses, for some) is on its way to our bank accounts. While veteran budget keepers have mastered the art of making their windfall last, most of us tend to get carried away in spending our newfound cash. Here are 10 things to avoid so you can hold on to that 13th month pay and use it for more worthwhile purposes.

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