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Maximize Your Bonus

Shopping. Let me guess, you're already budgeting your 13th month pay and been thinking through what to buy - a new gadget - be it iPhone6+, GoPro, Samsung S5 or Note4, or that Michael Kors watch you've been wanting to have, that trip to Hong Kong, Singapore or Malaysia you've been planning or whatever "gift-to-myself-because-i-have-been-working-so-hard" kind of thing, I hope we can manage to maximize this money in such a way that it will continue to benefit us for a long period of time.

We can either 1) Payoff our debt, 2) Get an insurance or an investment 3) Start a small business or 4) Develop new skills. Maybe it's high time I develop that cooking and baking skills I've been hiding. Hahaha

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