Three out of five office workers spend their monthly salary before the next payday, according to a straw poll by a job portal. According to a press release Tuesday, 64.2 percent of the 553 respondents said they use up all of the previous month's salary before the end of the month.

On average it takes them 11.7 days to spend their pay -- 10.7 days for married people and 12.5 days for singles.

The most frequently cited reason why respondents failed to live within their means is that their salary is too low (27.6 percent), followed by the need to pay off debts (26.2 percent) and "inflation" (16.3 percent). Unplanned expenses were cited by 11.3 percent, too much money going into fixed savings account by 8.5 percent, and spending on unexpected weddings or funerals by 5.6 percent.

But what do they do when their salary runs out? Most or 63.1 percent said they use credit cards, 18 percent claimed they spend no money at all, and 7.9 percent said they turn to emergency savings. Cash advances and borrowing from acquaintances were cited by 4.5 and 3.4 percent.