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Want to escape the January blues for once? It’s not that hard


Want to escape the January blues for once? It’s not that hard

First, forgive yourself. Second, grit your teeth and start to budget. It’s the only way to escape the debt trap

Mduduzi Luthuli

Perpetually broke? Always holding your breath when you run your credit card, worried your balance has finally tipped over the limit? Living month-to-not-quite-the-next-month?

This is an all too common description of most middle-class South Africans’ financial life as they continue to struggle with money. Why is it we’re so bad at managing our money? Why is it we become even worse over the festive season?

The festive season is almost upon us and unfortunately it has become one of unaccountable spending. Soon January 2020 will roll around and we’ll hear the annual tales from family and friends about how they’re struggling financially due to overspending in December. The festive season comes every year and yet we fail to plan for it every single year...

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