Many people are headed for tough days next month after going on a spending spree on Christmas festivities.

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January, to many people, feels like a whole year as rent, food and school fees give them sleepless nights.

Here are three ways to survive the tough month

Carry packed lunch to the office

Guys, it’s time to stop spending on food at the office. Unless your boss pays for your pizzas and chapos brought during the tea break and lunch hour. It’s time to stop spending even a coin.

Carry packed lunch and save the few shillings you spend. This will take you a long way that you haven’t imagined.

Stop impulse buying

January is a really bad month. Do not make a mistake of indulging in impulse buying.

Budget for everything. Do not buy that which is not in the budget. Categorise everything into needs and wants.

Buy what you need and not all you want.

Discounts

January is the month to take advantage of the various discounts thrown in the market. Forget about your usual brand and buy stuffs on promotions which are discounted.