It& #39;s pay week plus weekend + Black Friday & festive vibes https://abs.twimg.com/emoji/v2/... draggable="false" alt="🤸🏻‍♀️" title="Woman cartwheeling (heller Hautton)" aria-label="Emoji: Woman cartwheeling (heller Hautton)">.

https://abs.twimg.com/emoji/v2/... draggable="false" alt="⚠️" title="Warnsignal" aria-label="Emoji: Warnsignal">Remember your November salary must cover your December expenses & December must cover Januworry.

I& #39;ll share my December & Januworry hacks below.

Draw up a budget & plan ahead.

What does this mean?

-Make arrangements or preparations
-Draw a budget
-Account for your plans in your budget
-Allocate funds
-stick to your budget. Don& #39;t overspend
-do not spend on something you& #39;ve not budgeted for

November salary:

-Budget already drawn.
-Remember to follow the drill & pay yourself. It& #39;s always easier to automate savings & investments
-Pay for expenses

https://abs.twimg.com/emoji/v2/... draggable="false" alt="⚠️" title="Warnsignal" aria-label="Emoji: Warnsignal">It has to sustain you until end of December

December salary:

If your December salary comes earlier than other months. Transfer it to a savings account.

Don& #39;t https://abs.twimg.com/emoji/v2/... draggable="false" alt="⛔" title="Nicht betreten" aria-label="Emoji: Nicht betreten"> touch it until your normal pay day where you will transfer it back & follow the drill above.

https://abs.twimg.com/emoji/v2/... draggable="false" alt="⚠️" title="Warnsignal" aria-label="Emoji: Warnsignal">it has to cover your Januworry expenses

My personal hacks:
-my family & I have a stokvel where we contribute monthly for our December getaway & outings
-buy grocery stamps
-i contribute to a stokvel that pays out in December. I use this towards school fees & registration
-i only receive my Dec salary on the last day