Compliments of the season. I’m sure November salaries have been paid. Spent already?
Understandable. Lots of bills to be paid.
December salaries will be paid way before Christmas; and that will be fun right? Opportunity to flex the seasonal holidays.
But also remember that school fees for the children, possibly house rent, and other financial responsibilities await you in January 2019.
Be prudent.
Don’t be overzealous with your spending. Don’t buy what you don’t need to impress people this festive period. Its not a competition. Besides I don’t think new clothing or hairdo for Christmas is in vogue anymore. Chicken still tastes like chicken no matter what day you cook it.
Don’t incur unnecessary debt all because you want to splurge. That’s just extra financial burden you do not need.
Save yourself the pressure. That you can afford it doesn't mean you need it. Do your calculating before embarking on your Christmas shopping trip
Make moderation and simplicity your watch word.
Be real to yourself.
