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The Janu-Worry crunch bites!

So you went a bit bossies and threw the rule book and mom’s advice way out the window.

The pay check was all spent by Christmas and now the bonus (if you got one) has gone in a spate of online shopping, pressies for kids, must-have January sales purchases, that fancy accessory for your boat, weekends away, fashion purchases, whatever’s your poison.

And there’s still nearly three weeks til the next payday!

Fear not, you are not alone, as these memes will testify.

What to do about it? Well, now that the horse has bolted there’s not a heck of a lot you can do, other than live frugally, stay at home, stare at the walls and work on those hobbies. Try to draw xx amount each week, so you can leopard crawl across the Janu-worry line, with some dignity intact.

Please do not extend the credit card debt and get yourself in hock!

Maybe next year, get a financial plan and stick to it. Try growing your own veg (every bit helps).

If you can, stash away a certain amount of money each month, starting at the end of Janu-Worry, for the 2020/2021 festive period. Cut down or eliminate retail accounts. Remember, the economy is not exactly flying. Be prudent and circumspect with your finances in 2020.

Start buying presents, food and various spoils from, say, August, so that the financial impact doesn’t all happen around December.

Be Disciplined! Learn to say no to family members who lean on you and nag for those special treats and “Keeping up with the Joneses” purchases. Be strong!

Good luck.

More from consumer journalist Wendy Knowler: How badly do you want that Black Friday deal?

Main picture: JESHOOTS.COM on Unsplash

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