Most peers that I know are not adept enough to manage their own cashflow efficiently. Part of the reason I feel they lack the aptitude to do that is because they are so used to drawing fixed income monthly as a salaried employee that they depend on the predictability of these cashflow they received. When the salaries are in, expensive meals and shopping are common to sight amongst a few people I've known. However, when a week has past, you can then clearly see them scaling down on their purchase gradually to the point when it becomes too obvious to notice. Interestingly as I look and experience around, the big problem salaried employees face when it comes to December is the early salary payout timing as compared to the other month. This happens especially when companies are trying to close their book in the fiscal year so any major settlements need ......