You can’t help but feel excited about Christmas. It’s your time to shine! The 13th-month bonus, Christmas bonus, leave allowance, salary, and side hustle earnings you’ve been saving will not spend themselves, right? They need you!
Even if you’re tempted to rethink your decision to enjoy your life, you can’t! After being frugal all year, you’ve earned the right to ball hard!
Finally, those kids of yours, who’ve been harassing you like EFCC for the latest gadgets, will finally get the expensive toys they’ve been begging for. And your spouse? Get ready to spend like Dangote to grab a gift they’ll show off for the next decade. You’re going all out to find something truly meaningful.
And then, there are those family members sending messages like, “God bless you and your household. Anything you can send will be appreciated.” No shaking! You’ve even factored them into your budget.
With all this ginger, you finish crafting your Christmas spending budget and step back to admire it like a Van Gogh painting. Everything seems perfect. But then, a small still voice whispers, “What about January, my dear? This is not the January they sing about in ‘thirty days hath September, April, June and November!’ This January is 90 days long.”
Hmmmmmm. Maybe, just maybe, you should invest a chunk of your bonus instead of blowing it all on Detty December.
But as quickly as the voice of reason spoke, another carefree voice in your head shouts, “YOLO—You Only Live Once!” For a moment, you’re tempted. But then you remember how that same voice tricked you last year. It encouraged you to splurge during the holidays, only for you to be broke and struggling when January arrived. YOLO turned into O.Y.O—On Your Own.
You snap back to reality. Nah, this time, you won’t be a mugu. Instantly, you rework the budget with a sprinkle of wisdom. Yes, gifts will still be given, celebrations will happen, but this time, you’ll be using your number 6. The kids will get their gifts, but nothing that will scatter your finances. For family? Family handouts will go round in a small but mighty way, and your spouse? They’ll get something light and nice that won’t finish your account.
But most importantly, you’ll invest a slice of your Christmas bonus because you know that January is coming for everybody. In a nutshell, you’ll still have a fun and memorable Christmas, and when January comes around and others are feeling the pinch, you’ll be calm, secure, and maybe even ahead financially.
Start planning for the New Year today. Download the ARM One app from the Google or Apple Play Store and invest a portion of your earnings now.
