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It's pay week plus weekend + Black Friday & festive vibes 
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Remember your November salary must cover your December expenses & December must cover Januworry.
I'll share my December & Januworry hacks below.
.Remember your November salary must cover your December expenses & December must cover Januworry.I'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't overspend
-do not spend on something you've not budgeted for
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't overspend
-do not spend on something you've not budgeted for
November salary:
-Budget already drawn.
-Remember to follow the drill & pay yourself. It's always easier to automate savings & investments
-Pay for expenses
It has to sustain you until end of December
-Budget already drawn.
-Remember to follow the drill & pay yourself. It's always easier to automate savings & investments
-Pay for expenses
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't
touch it until your normal pay day where you will transfer it back & follow the drill above.
it has to cover your Januworry expenses
If your December salary comes earlier than other months. Transfer it to a savings account.
Don't
touch it until your normal pay day where you will transfer it back & follow the drill above.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
-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
