Don’t let December Holidays Spoil Your January

The end of the year is in sight and the festive season is upon us. With the pandemic disrupting everybody’s lives for the majority of the year, nobody would blame you for feeling like 2020 had 16 months.

Naughty December

During the December holidays, people commonly overspend, and perhaps with all the constraints we suffered in terms of traveling and shopping, there is a feeling of “Arrgh, forget this! This December the family and I are going to enjoy ourselves, and worry about it next year”.

Think back to January 2020, it seemed as if there were 64 days between December and January’s salary. You were probably so stressed and desperate by the time payday eventually arrived in January.

Don’t get caught in the same trap again.

December & January are Not Friends!

This festive holiday buys gifts that January must pay for. December holidays buy trolley loads of food and alcohol that January must foot the bill for. In short, December makes excessive purchases that saddened January and this rolls over to February, March etc. It can take you months and months to recover… if ever.

This year, it would be an excellent goal to keep the harmony between December and January, by spending wisely.

If the thought has crossed your mind to skip a debt repayment during December because it’s been a hard year, then STOP and think again!

Your various creditors will try to leave debt review and start new legal action against you. This means that all the progress you have made, over the months or years of your debt review, will be lost in the blink of an eye.

Don’t let December spoil your January – This year, keep your wallet under lockdown!

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Content and post-credits to DebtFree Magazine