"With 2020 probably being the most difficult year most of us will live through, very few will be getting a bonus or 13th cheque in 2020. It is for this reason that we decided to guarantee R20 000 for three lucky listeners," says Smile 90.4FM's programme manager Naveen Singh. 

The four steps are as follows:

  1. Download the Smile 90.4FM app from the App Store or the Google Play Store.
  2. Register by filling in the details to create your own profile on the app, or log in if you are an existing Smile 90.4FM app user.
  3. Tune into Smile Breakfast with Bobby and Lindy every Friday until Friday, 18 December to hear if they call out your name.
  4. If you hear your name, call us back on 0861 99 00 44 within 9 minutes and 4 seconds. The first one to call us back wins.
The station concludes, "Whether you're looking to spoil yourself or your loved ones, finally sign up for that online course or simply ease the pressure this holiday season, you could be four steps away from that 13th cheque."

For more information, visit www.smile904.fm. You can also follow Smile 90.4FM on Facebook or on Twitter.