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Given the chance, many American workers would rather invest a windfall than use it to pamper themselves. According to a recent survey, a majority of U.S. workers would either invest an extra paycheck or use it to pay down debt.

The good news is that soon they'll have another chance to do just that. Twice a year, as a by-product of calendar design, U.S. workers who are paid every other week receive a third or "extra" paycheck in one month.

The survey was conducted by Ceridian, a leader in managed human resource outsourcing solutions.

According to Jonathan Hefner from Ceridian, "Respondents to Ceridian's paycheck survey are telling us that financial concerns, such as debt and saving for the future, are top of mind." To learn more, visit the Web site at www.myceridian.com. A recent survey indicates that financial concerns, such as debt and saving for the future, are "top of mind" for many workers.

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