Avoid overspending over holiday season

be honest, a little reǦ twaaily.theurtapuynlceasns gyouawloangt ET’S wyoourry, anyouuarywitlol nbeecodmteo avnoǦuidǦ sopvenrsdpinengdinincghecan.d eep your tǯs easy to be caught up in the mfoefsotetninveiytimeosneaitnhsinegcsepmslaubschehrin,agasndemnttoheraretǦ ytaoiunrmselnf.t, agyifbtes yoaunǯdre espveonilslucfoyr enernuooss,uiwgtyh. itcohreŒucsetivaedads htoriystomurasgbenoǦ ut itǯs Œust as easy to lose trac iotnhftehonotwyhoemumǯurocenhienyyodyuaoǯrnuegnsepereeodnfdfdoinirpgbpaiilnlsdg, pgrlioecse. ries and bac to school supǦ ier astacihdintghaynoudrosnpe.ndtinpgroisbaebaslyǦ winofnuǯtubre ayowuhwoliell ltohtaonffyuonu, bfourt oitvǨerseprenadriengsǣome ways to avoid

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holiday budget afinainhciearlitwanincde,fablol ncuasn, ibneǦ wpaoynǦotuhtrvooeursgthmaoencoet ymrepttheuatritntisho,ans.tobeveenl A windfall can be overwhelmǦ oainngde,. aesepgaeacriedaslleluysltsifofitlhǯososwuinngyeošaupleohcvatevde lsahnodueld tyaoueranweweefouonrdtwcaoshto, yaopuǦ upalytitond. igfesytotuhipsanyewoffinyoaunrcidalesbitsǦ titnhhcienongmsyeosuuthccahrteacasatinenbvmeosutrisenegd.ifsoproostahbeler ay off debt with the highest inǦ

LAspernomt lasthyeeraer,. write down a terest rate first, such as loans and acredpiatycianrgdtsh. e mheostht ianmgosutnhtatofyionuǦ toerse“sut aosnharse“tuhiectlhyinagsspyoosusibnlee. d towaashrdws inedmfearllgsencacny aslasvoinbges pourt iasnintutehamteioeenrvg.eentcyoffuandunthparteǯsdiuctsaebfulel the eeompelergceanncyusfuentdheramthoenretyhain ltoaanin. g out any further debt lie a spopeeaspinegrsonto forithaan insšurmaanlcoe, tchormeaptaonfy,evseanidtswsuitchh tahseŒocbolnostsaenst, babuldegetot lisspteingdhaonwdmpucthityosuomareeǦ hitaǯsvertehcroeme tmoesnišdmedonthasǯtwpoertohpolef ešpenses saved up in their emerǦ genecysafiudnǣ d“. tart by saving a small amount each month. ommit Ǧ donǯt withdraw anything from tuhmisalfounsadidunthleastswihtǯesnapceroipsilsedz.havšeǦ tehcist tuhneemšpselcvtesdfcraosmh ftuhteuyrcearnisprsoiǦf th“Aeydvpiucteaisidfreeseo. mAefoinfatnhceiaml oandevyi.Ǧ stioarl ocarnahperlopfeysosuiotnoaml waheodisecimisipoanrsǦ when it comes to the best way to manage your money, a financial atadšvismoprliccaantioanlssooafdavnisuenwešhpaetctehde lump sum might entail.dz where youǯll see every day. eep trac of every little bit you spend until ecember ͵ͳ. you a plan you canAstbicudgtoe.t ghiveeres twhialln aylowuaypslanbeformtohroeugehš,pwenhsicehs

Pro saving tip:

liasswt yheyairtǯǯs aactguoaoldešidpeansteoslboeoforaet wyohuatbeygoiun.cafnyospuernbdudwgietht oeušct epeudtsǦ itninggfoyoruwrasyeslftiontcoudt ecobst,ts.tart looǦ

Wf asilmk polny bcyreaantidngavaobidudigmept uwlsaes

the only thing we needed to do

buying

btoe asveoti.d onvfoerstupnenatdeilnyg, ewvenwwouitlhd a budget, swiping that card beǦ hcaurdsetoorfeasisgto,ordighdteǫal is Œust too hac to stic to the liesrte. ǯsf yaoulitstele ilsitos. mt, eteheipnwg aglreiantgtahnadtǯsthniontoanbothuet

Pro saving tip:

pronbcaebltyhedoinmǯtpnuelseed pita.ssfesy,ouyǯorue still thining about it the nešt day, you can always go bac. mKeeahDlyfeoziresmmibot asthoaafrttrhiwveeeysecaaornoadndewtveheǯerrnye

Inconvenience yourself a little

By Vumile Mavimbela.

suddenly ordering taeaways or ebaigtignegstouhtidedvernycnoigsthstǫdunrienogf the hešopliednasyes,eamson eayrewǮceonsvpeennidencoenǯ little splurges to save ourselves some time.

oll up your sleeves and mae your meals ayosuarfsaemlf,iley.veonubǯleltbtera, maœedtheomw

Pro saving tip:

much youǯll have saved by the end of the year.

ʹͲʹh͵ilewiwllebhrianvge, neoepideina mwihnadt

Focus on how you want to feel in January

that after the ešcitement of preǦ sents and special holiday treats are gone, the bills remain. icyǦsftoacrutisnigngtheonewanyeuar ywitahnda bang, youǯll be able to stay more focused and stic to yf oyuoruburdegaellty. wapayntittcohswcriatthcohuthcaotmreptraoiml tihsienrgǦ

Pro saving tip:

athignrgesatyosutaǯlrltnteoedʹͲinʹ͵ʹ,Ͳsʹh͵o,psufcohr as school supplies or paying for sfucnhooblutfeyeosuǯellarblye. gloatd aysoumugcoht these out of the way and too the ǮwforryyoǯuourteocfeiavnedǦuǦwa orbroyn. us or astwoayvefol rpaaynouatrtyh. is month, put it prihce inecwreaseeasr abnrdingosthweirthešitǦ penses, so eep the eštra cash.

It’s easy to lose track of how much you’re spending and then you’re in danger of dipping into the money you need for bills, groceries and back to school supplies.

By paying your debts first, you’re reducing the overall amount of interest you pay and decreasing your overall debt.