Many choose to splurge over the festive season, but it may be far better to treat the festive season just like any other month, with the help of these few tips:
- Gift vouchers – If you receive your annual bonus now, purchase gift vouchers in December for everything. A supermarket gift voucher for the January groceries; a clothing voucher for the kids school clothes and stationary, or any other relevant voucher for the odds and ends during the ‘longest’ month of the year: January.
- Monthly payments – Don’t skip on any of your monthly payments during December or January, even if you only pay the minimum amount.
- Loyalty clubcard points – Make use of your loyalty clubcard points that you have accumulated throughout the year to help lessen the load.