A man with empty wallet [Photo/twitter.com]
Most people are on a spending spree this festive season. However, with good plans on your budget, one will save a great deal of their money. Here are simple tips to avoid the January financial problems:
Stick to a budget
Having fun this festive season is not bad, but one should always remain within their budget. Draw a realistic budget and work on sticking to it. Don’t go for big things just for the sake of having fun. Budgets should be in line with your bank accounts. Always save for the January needs.
Don’t give loans
Sometimes being mean is the best thing, especially this festive season. Lending money to friends will mean working outside your budget, which could only be digging a dent in your finances. Resist from giving out loans to avoid the January money drought.
Offer to work
It is understood that many people will travel upcountry to be with their families. These leaves many offices closed. If by chance a work opportunity comes up, grab it as this could generate you extra coins. Work for extra time and get paid for it at your places of work.
Ignore some calls
This is the time you will get a million new numbers calling you. All these calls will be asking for money for favors. When some friends call at certain times of the day, you will just know their intention. The best thing is to ignore all these calls. You can call later with a lame excuse to avoid their disturbance.