what about taking 1/12th of it and spending it how you like this month, and repeating that process each month of the coming year. next month, "a bit of a fall off" or not, repeat the process, then you will have 2/12ths of the bonus to spend/save/etc. Repeat through the year and you insulate yourself from the ups and downs month to month.
Of course, you're a big boy and can manage your money... This is how I know I'm getting old, I talk this way.
__________________
Be Just and Fear Not.
|