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Stay clear from Janu-worry blues

“The holiday season is a great time to spend with your family and friends, but we tend to overspend on things that we don’t need. Having a checklist helps ensure that we stick to our budgets and don’t overspend,” says Ester Ochse, product specialist at FNB Financial Advisory.

Her advice to stay clear from Janu-worry blues in the future includes:

  • Start with a 2020 savings goal chart. List all your goals for the year. Be creative and ensure to stick to these goals.
  • In your spare time, try and create personalised gifts for your loved ones.
  • When planning to travel abroad add the following costs to your budget: visa (dependent on the country that you are visiting), return-flights, accommodation, food, entertainment, transport, tours and shopping.
  • Staycation entertainment: Whilst the occasional nights out at fancy restaurants sounds great, rather spend the time at home cooking up scrumptious meals or encourage bring and braais with family and friends.
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