How To Not Go Broke In December

Normally, there's something special with December, a sense of relaxation, a cheerful mood, that easy to spend and give vibe. Before you realize it, you might end up spending all your money as you go with the flow. We all know what comes after that,Njaanuary;and finances can be tight.

Check out some practical tips to help you not overspend during the celebrations this December.

Every single business and person out there wants your oney this December - so lazima ukae rada. The best way kukaa rada nikungalia budget yako and kuwa realistic on how much you can spend. The next thing nikudecide when and how much you will spend on the important days. Labda kwako 12th December is the day your family meets and utaneed pesa mob, au labda for you December ni the weekends za kutumia dough. Whatever the case, lazima you look at the whole month and decide what’s important kwako and set money for that - otherwise huwezi fanya kila kitu, attend events zote, take advantage of all the sales. Si possible.

After umejipanga as tip 1 suggest, then you have to build the muscle to say no. This December kila mtu ako na plan zake and if you don’t say no, mabeste zako watakudrag into their own plans. Usikue na FOMO, be content with the things you have decided to do and any plan outside of this - find a way to say no. Labda by the way your biggest money saving tip ni kwenda ushago since your Nairobi friends will drag you to spend or maybe it’s the opposite, to stay in Nairobi as all your friends will have left. You know what’s best, however, be ready to say no and stand your ground.

The day I realized how much I can say by eating at home, wacha tu! This has been a secret in my books, njaro ni simple whenever you are going outside - maybe for drinks na mabeste, ama ni event or any other thing - eat at home! Food huku nje ni expensive and ukishakula home, you will just need one drink for your outside activities and save upto 70% of expenses za outsid-ing. Imagine if you do this all of December - you and your famo, you’ll have saved so much. Najro ya kusupport hii idea, cook a lot of food - kama ya a whole week. This way, you will not be tempted to eat outside cause food isn’t ready.

The other big way we spend money is by spending it on or around family. Hapa, the best thing is to start being real with yourself - kujiuliza kabisa if you can afford something and pia kujiuliza kama lazima you impress. There’s a silent pressure and sometimes even competition among family members to see who is doing better than the other - it’s a trap, don’t engage. Ama labda, your family expects since ni wewe uko Nairobi, you will take care of all the family gathering bills, utaleta shopping, wato want new clothes etc. If you cannot afford it, na unajua, tell your family early ndio wajipange. Mapema ndio best

Whether we like it or not, sherehe lazima zitakua and there’s nothing wrong in wanting to be part of it. Maybe you are thinking of hosting macuzo or your siblings but mfuko iko tight, I have a tip for you. Ask everyone coming to the party alete kitu moja - chapo from your cousin Njeri, Marto achome nyama, Karis alete soda, Mary akuje na fruits and just like that the party iko na kila kitu without you feeling burdened.

Kama MESHER, ni poa kujijua. When it comes to spending, we all have that thing or person that makes us spend money we hadn’t planned for. Now that unajijua, and you know zile Instagram pages mbili tatu that zinafanyanga you fall out of your budget, it’s time to unfollow them. Kama it’s places, yani huwezi jipata kwa mall and not spend money - malls utarudi January, ziavoid for now. I adare say kama ni a certain group of friends who are always spending big money spontaneously, then kaa rada yao. You will be doing yourself a buge favor by knowing what triggers your spending and then avoid them.

Maybe in December, you often have mad sales and biashara yako hu-do poa sana. In this case, whenever you make good money, lipia bills za January. Maybe unaexpect utakua unashuka braids wasee wanne kwa siku and you were used to one person, hip pesa extra, nunua tokens mob, lipia rent ya January, buyia watoi vitabu etc. Hii tip huwork in your favor because kama you don’t have extra money floating around, then you will not get a chance to misuse it and go broke.

Ukiapply some of these tips, niko very sure your spending will be regulated this December and you won’t have to start panicking January ikifika. Najua ndio December inaanza, but the bonus tip that I can give you ni start thinking about & planning next xmas this January. Najua inasound funny, but kuanza mapema is always the solution. In January, stores huuza extra decorations at a throw away price - buy them at this point. Alafu, anza a kasmall xmas fund in January, weka ata kama ni thao mbili per month, and by next xmas utakua the boss!Najua wewe kama MESHER ni mjanja and you will use these tips and share them with your friends ndio Njaanuary isikuwai.