It’s the time of year when things start slowing down, leaving you free to plan how to spend your year-end bonus. While it may be tempting to spend it all on a new 3D TV or an extravagant trip to an exotic destination, it’s always a good idea to prepare for rainy days. We asked the wealth experts at our sister company, Sable, for their recommendations on how to get the most out of your year-end bonus.