It’s 13th month pay Friday—the first half, at least—and if everything goes according to plan, you’ll be able to set aside most, if not all, of it for your nest egg. But with so many temptations, is it really possible to keep your bonus intact?

We say: If there’s a will, there’s a way. Here, 10 tips on how to preserve your 13th month pay.

(Image by Mike Dee)

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