You can’t help but feel excited about Christmas. It’s your time to shine! You can already see yourself painting the town red! Your 13th-month bonus, leave allowance, salary, and side hustle earnings will not spend themselves, right? They need you!
Even if you want to rethink your decision to enjoy your life, you can’t! Because after being frugal all year? Ah! You’ve earned the right to ball hard!
Finally, those children of yours, the ones who’ve been harassing you like EFCC for the latest gadgets, will get all the expensive gadgets they’ve been begging for. And your spouse? Oh, you’re ready to spend like Dangote to get something they’ll show off for the next decade. You’ll go all out to find something truly meaningful.
How about those family members sending you 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. Then gbam! 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 o! This particular 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 just as quickly, 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 to leave you broke and struggling in January. When the New Year arrived, YOLO turned into O.Y.O—On Your Own.”
Immediately, 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 still happen, but you will be using your number 6. Your kids will get their gifts, but nothing strong enough to scatter your finances.. For family? Family handouts will go round in a small but mighty way, and your spouse? They’ll also get something light and nice that won’t finish your account.
But most importantly, you’ll invest a slice of your 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 on your Google or APP Play Store to Invest a portion of your earnings today.
