I know many of us have received our 13th month pay and Christmas bonuses. Well just a piece of advice: Don't spend every thing! (Stop being a one-day millionaire this holiday season) Yes, I know that we want to give gifts to our love ones and friends (ourselves also), but we should always keep in mind that we should save for the rainy days. On my younger days, I often splurge during this season. And ends up a "purita" before the new year. When I bought my own car in 2004, I have learned that I should save or at least open up a business to make that money on hand grow. Being in the accounting field also taught me how to budget my finances. Though there are times I go over board and I end up: guilty of spending too much on something not so important. I know sometimes we should also reward ourselves, but we should always keep in mind that "unexpected" expenses may come any time. (When we least expected it: Like what happened to me last week...