{"id":49114,"date":"2022-12-21T10:28:32","date_gmt":"2022-12-21T08:28:32","guid":{"rendered":"https:\/\/novanews.co.za\/bloemnuus\/prioritise-budgeting-as-you-celebrate-the-festive-season-20221221-3\/"},"modified":"2026-03-31T16:04:52","modified_gmt":"2026-03-31T14:04:52","slug":"prioritise-budgeting-as-you-celebrate-the-festive-season-20221221-4","status":"publish","type":"post","link":"https:\/\/novanews.co.za\/bloemnewsexpress\/prioritise-budgeting-as-you-celebrate-the-festive-season-20221221-4\/","title":{"rendered":"Prioritise budgeting as you celebrate the festive season"},"content":{"rendered":"\n

With the holiday season upon us, we can all be tempted to overspend on travelling, entertainment, luxury gifts for our loved ones and indulging in non-essential goods. The festive season is about spending time together and celebrating with friends and family. The best thing you can do is spend within your means.<\/p>\n\n\n\n

Financial wellness has more to do with effective budgeting than people think. <\/p>\n\n\n\n

Once you understand that money is a tool for reaching your financial aspirations in life, you will start thinking about money differently. You will start realising that money is not to be wasted and each purchasing decision made needs to be done in a cautious manner and accounted for. <\/p>\n\n\n\n

Financial wellness starts with the recognition of the bad spending habits you have and replacing those with good spending or saving habits.<\/p>\n\n\n\n

Instead of encouraging a friend or family member to pay for everyone\u2019s meal at a restaurant when travelling, you can split the bill evenly between everyone. <\/p>\n\n\n\n

Speaking to family or friends about money is still a sensitive topic, however, this topic addresses much-needed psychological aspects of spending and saving.<\/p>\n\n\n\n

\n
<\/div>\n
Once a married couple places all their cards on the table, so to speak, detailing their income and expenses in the form of a household budget, the relationship becomes stronger and reaching the financial goal of the family becomes easier.<\/div>\n<\/div>\n\n\n\n

Managing your finances starts with tracking your spending. Aim to save three to six months\u2019 worth of expenses. <\/p>\n\n\n\n

Here are some tips to help you get through the holiday season and beyond by making budgeting a habit and sticking to it despite all the temptations and peer pressure:<\/p>\n\n\n\n

    \n
  • Make a list of what you earn versus what you spend The best way to make it easier to budget is to write down or keep a spreadsheet of your expenses for the month before you start to budget. Alternatively, you can use a budgeting app to help you manage your expenses.<\/li>\n\n\n\n
  • Split your income using the 70\/20\/10 principle Roughly 70% of your net income is allocated towards living expenses like accommodation, transportation, electricity, food, clothing, school fees, and maintenance. A further 20% is allocated towards saving and investing in yourself, and 10% of your budget can go towards charity or helping your family members who are in need.) Settle debt with the highest interest first, like a credit card, home loan, or vehicle finance, while still paying toward your other smaller debts) Do not buy luxury items with credit. Save towards them and rather pay cash. Calculate how many months it will take you to purchase the item at an affordable amount per month, then place it in your budget. Mark it as a short-term or long-term goal<\/li>\n<\/ul>\n\n\n\n

    With each life event \u2013 be it a marriage, divorce, purchasing a vehicle, or finding a hobby that assists you to relax and find yourself \u2013 there is a need to change the way you structure your budget<\/strong> <\/p>\n\n\n\n

      \n
    • If you cannot afford to pay your full instalment, contact the financial services provider, and propose arrangements to pay less until you can afford to pay more. Rather than not paying anything, as this causes your credit record to be negatively impacted <\/li>\n\n\n\n
    • Go through your bank statements in detail as this will help you do a monthly assessment of how well the budget was followed. In other words, doing a comparison between budget versus actual spending<\/li>\n\n\n\n
    • On payday, determine what you need to spend your money on. Do not overspend when you go to the grocery store. Purchase only the items you need in your household and pay all your bills on time <\/li>\n\n\n\n
    • If you find that your spending behaviour worsens during certain times of the month, or when you are emotionally drained, find healthier ways to boost your morale.<\/li>\n<\/ul>\n\n\n\n

      Budgeting might look like laborious work at first, but in the long run it will secure you the financial wellness needed to acquire wealth and give you peace of mind.<\/p>\n\n\n\n

      It is advisable to create an effective budget to manage your finances and track where you overspend money to stay out of debt. <\/p>\n\n\n\n

      \u2013 Claire<\/span>Klassen, Consumer Financial Education specialist at Momentum Metropolitan<\/span><\/em> <\/strong> <\/p>\n","protected":false},"excerpt":{"rendered":"

      With the holiday season upon us, we can all be tempted to overspend on travelling, entertainment, luxury gifts for our loved ones and indulging in non-essential goods. The festive season is about spending time together and celebrating with friends 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budgeting as you celebrate the festive season | BloemNews Express<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/novanews.co.za\/bloemnewsexpress\/prioritise-budgeting-as-you-celebrate-the-festive-season-20221221-4\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prioritise budgeting as you celebrate the festive season\" \/>\n<meta property=\"og:description\" content=\"With the holiday season upon us, we can all be tempted to overspend on travelling, entertainment, luxury gifts for our loved ones and indulging in non-essential goods. 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