Stressed out about your Christmas bonus? Yeah, me too. But, with a little foresight, you can capitalize on the benefits of even the paltriest year-end reward. Your bonus is a convenient cookie-jar to dip into right now or to invest for a rainy day. As with most things, diversification is key, so blow a little on Christmas, invest some for later, but most importantly, don't spend it until it's in your hands.

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