Be prudent this Christmas and have a good New Year

Sager suggests that a first step towards not overspending during the festive season is to determine how much money your household will have until the next payday at end of January.

Then consider all the usual expenses such as bond repayments or rent, vehicle payment, insurance, food, petrol, rates, airtime and data and other regular costs. These should be fairly easy to work out by looking at bank statements going back a few months.

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