Debtfree Magazine Issue 11 of 2021

If you think December is going to be tough, then wait
till ‘Januworry’.
Every year we scrape through the long month of December, with all
its extra expenses, only to be confronted by the even longer January.
If you are a parent, then you probably wake up in a cold sweat
thinking about all the extra school related expenses that January
can bring.
So, start planning for those costs right now. Don’t wait till you are
struggling at the start of next year to cover those costs. Sit down now
and figure out what they are going to be. You probably have a good
idea based on past experience and some online shopping around.
Then look at how much you have already been saving each month
(you are saving a little aren’t you?).
Finally, sit down and calculate how much you need to set aside, both
at the end of this month and December to be able to cover those
upcoming costs.
Plan ahead for success in January.