A PLAN TO GET YOU GOING

To so many, this is the time when they make all the profits to console themselves of the loss the had during the year. This is a the time of the year when people get more greed for gains because they have so many responsibilities to meet. I don't want to start talking about those parents that are now having high blood pressure because they don't see any money coming in and their children are already on their neck for their Christmas wears.

The festive season is one that despite the good it brings, the evil somehow still prevails in this time. I remember about 4 years ago when I was working in the market as a sales person, during the festive season, we were asked to always lock up early because there were people around always looking for opportunities to rob anyone that is careless. A lot of people fell victim and the worst part was, these thugs did not hid themselves, they carried out their plans in daylight.

One way to budget in December is getting prepared for it even before it comes. We all know that the festive season is a time of haste so if we don't want to get cut up in it, we have to be proactive. Like I mentioned in one of my post, knowledge is power and when we are already aware of how the festive season can be, the best thing we can do for ourselves is to prepare adequately for it before hand and not when it's already here.

That been said, let's dive deeper into the different ways to budget in December...

Avoid impulse buying

I love impulse buying, I just don't enjoy planning what to buy, I just want to see it and buy it even when I'm not sure I'd use it. Well, that changed when I started needing money for a lot of things. The fact that I loved buying impulsively made it almost impossible for me to save and if there is one thing that can help a good budgeting, it is being able to save. You can't budget when you don't know how to save. And that will bring us to the next point...

Saving no matter how little

Sometimes we easily give up on saving because we are tired of saving pennies everyday, we want to save something really huge at a time but then that's not a really good and advisable way to save. Money is something we all need and it is absurd to say you want to save a huge amount all at once, it's only a matter of time before you go back to your savings again or you go into borrowing.

You need to know the necessary expenses you cover daily, weekly and monthly. After knowing that, you need to know the minimum income you get and from there, you should be able to save a penny daily and let it accumulate over time. Don't look at it as too small because the moment you do, you will end up not going far with it. Make sure to save this penny in a place that you can't get access to easily and try not to default.

Avoid competition

Everyone of us are different in so many ways, and the worst thing you will do to yourself is competing with people. Once you start competing with others, it will be impossible for you to budget for anything. December is expensive fren and if you let what you see affect your decision, it would be hard for you to budget well.

For me, I'd say the best and surest way to budget in December, is to start budgeting right from the beginning of the new year. You don't have to wait for December before you start planning for December because December is full of so many things that can take us unaware so you want to prepare for those things even before they come.

These are just some few things that I do that helps me maintain a good budget in December. But in all of these, self discipline needs to be applied also because it is very easy to lose focus when there is no discipline. I do hope this helps someone plan better when they get another opportunity and kudos to those who have already done these things and more and are well prepared for the December.

Until next time, stay AWESOME and JIGGY!!!

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