After a great holiday came the infamous, “January Disease”.
From extravagant family presents to the long-awaited holiday trip that you deserve, it’s not surprising if you feel a bit broke afterwards.
You’ve spent a little more than expected in December so it may be a good idea to do the best you can to save wherever you can..
Januworry lasted for what seemed like a year. Here’s how you can get your budget back on track.
Whether it’s work lunch or dinner with your friends, make all your meals from home. This will not only help you fail but it will also help control what you eat. If you only eat food you cook, you will need to plan ahead. This will help you be more responsible about what you eat.
Whenever you’re at the store, look out for any offers or specials. You may just save a little bit if you pick items on special. This may entail trying different products. That’s the adventure of living, right?
Be sure to check if your bank offers you any coupons every month. Or check your store loyalty cards for coupons on your usual items. The great thing about loyalty card coupons are that they’re specific to your usual purchases. You get all your favourite products for less!
Go on a picnic in the park or take a hike with your friends. Going out doesn’t always have to mean spending money. Try arranging excursions that will cost you little to no money. You might just have a great bonding experience with your friends when you try something new.
This may seem like a tedious task, but you’ll be grateful afterwards. Open an Excel Sheet and note all your expenses for the month. This will help you keep track of your spending at every moment. Keeping a budget will help control any urge to splurge.
Open a savings account with your bank and start putting in a few Rands every week. You’ll thank yourself at then end of the month. Or you can download a savings app such as SnapSave.
Challenge yourself to a month of no retail shopping. Nothing in that section is completely necessary. If you want it now, you can get it in 4 weeks. Find another distraction if you like to shop to alleviate stress.
If your place has a little bit of clutter, it may be the perfect time to get rid of some stuff. Have a yard sale for everything you don’t want, need or use. You’ll feel less cluttered and a little richer afterwords.
All the small change you get may mean nothing alone. But when you put those coins together you just make R50 or more with all of it. Keep a piggy bank in your room and a small coin purse/wallet. Those coins could buy you a meal, you never know!
Whether it is your significant or your mother, be accountable to somebody. If you can’t help yourself from spending, ask somebody else to help you. Have somebody ask you how much you spent and on what everyday. Make sure to ask somebody who cares. If they don’t care, they’ll forget to ask.