Plan your holiday for a debt-free January

The Festive season can easily run away with you when it comes to spending. It’s tough to tighten the belt at this time of year.

Here are some great tips if you want more control over your end-of-year spending:


Don’t treat December and January differently

They are, after all, just months of the year. Keep that in mind and stick to the good financial principles of budgeting for your income and expenses, keeping to your budget and avoiding unnecessary debt.


Budget for all your expenses

Work out what you are going to spend over December and January. Include the regular items that you spend on every month as well as extra expenses such as holidays, special meals and gifts as well as back-to-school expenses in January. 

Regular items are monthly expenses such as home loans, car payments, insurance and utilities. Put these costs in your budget first and pay them as soon as you can. Don’t forget to budget for any new year increases in medical aid, gym fees and school fees.

When you’re budgeting for extras be frugal, but also realistic. Frugal means not overspending, but it doesn’t mean you can’t have any fun.


Manage your pay checks

Once your budget is set, you need to stick to it.

The first step is to manage your paychecks:

November paycheck
This needs to cover regular monthly spend in December, including all the debit orders that go off your account at the beginning of the month, plus end-of-year costs such as entertaining, holiday spend, family celebrations and gifts. Budget for this paycheck to last 31 days.

December paycheck
This paycheck needs to see you through January (31 days) and you will need to pay for all your regular spend and any back-to-school (or tech or university) items.

If your company pays December salaries early, it might be an idea to transfer your salary out of your current account into your savings account, so you aren’t tempted to use it. Move the money back before your debit orders are due. And whatever you do, DON’T dip into January’s salary in advance to pay for your December fun.


Recognise the cues that encourage overspending in December

In addition to paying close attention to your budget, think about what makes you spend.

Special deals
Avoid Special Deals unless they offer a deal on something in your budget that you would need to buy anyway.

Peer pressure and tradition
We can put too much pressure on ourselves to do things the way they’ve always been done, no matter what the cost.  If tradition costs too much, maybe it needs to change. Chat with your friends and family about ways of celebrating without overspending.


Stick to your budget

These tips will help you stick to your festive season budget:

  • Use cash only. Leave your cards at home and only make one cash withdrawal to avoid high bank charges.
  • Set daily limits on your debit and credit cards so you can only spend that amount.
  • Include your family in your budget discussions. Show them the benefits of sticking to a budget - for instance, there will be money for school items in January.
  • Use any loyalty points or rewards you have accumulated in the year, so you spend less cash.
  • Always make a shopping list before you go to the shops.
  • Consult your budget regularly – tick off items when you have bought or paid for them.
  • Don’t dwell on what others are spending and buying. They may well be spending on credit!


Make budgeting for the festive season fun!

Budgeting requires discipline, but don’t look at your budget with a feeling of gloom. Rather see it as a puzzle you can solve. Every family member has a piece of that puzzle to make it a good budget, and to stick to it. And when you’ve solved the puzzle, you have achieved something good!


Credit: 1Life Blogs


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   by vanvan from philippines   2023-04-28 04:09:09 / Reply

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   by BASSBASS from any   2023-04-21 09:44:57 / Reply

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   by vanvan from philippines   2023-04-21 05:27:17 / Reply

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   by vanvan from philippines   2023-04-14 09:56:29 / Reply

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   by BASS from any   2023-04-09 14:22:27 / Reply

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   by Van from Philippines   2023-04-09 12:40:28 / Reply

E-sports Games in the Philippines: Origins of MLBB Creator Camp

Ang MLBB Creator Camp ay naging isang sikat na platform para sa mga nagnanais na mga manlalaro na ipakita ang kanilang mga kasanayan at gumawa ng pangalan para sa kanilang sarili sa mundo ng e-sports. Ngunit sino ang nagsimula ng hindi kapani-paniwalang hakbangin na ito?

Nagsimula ang lahat kay Moonton, ang Chinese game developer sa likod ng napakasikat na laro, Mobile Legends: Bang Bang (MLBB). Sa pakikipagtulungan sa pinakamalaking network ng Pilipinas, ang ABS-CBN, inilunsad nila ang MLBB Creator Camp noong 2019.

Simula noon, ang MLBB Creator Camp ay naging isang pinakaaabangang kaganapan para sa parehong mga manlalaro at manonood. Ang kaganapan ay nagbigay ng pagkakataon sa mga aspiring gamers na mahasa ang kanilang mga kakayahan at ipakita ang kanilang mga talento, habang isinusulong ang laro at e-sports sa bansa.

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Ang MLBB Creator Camp ay walang alinlangan na nag-ambag sa paglago at pag-unlad ng industriya ng e-sports sa Pilipinas. Ito ay nagpalaki ng isang bagong henerasyon ng mga manlalaro at nagsama-sama ng isang komunidad ng mga indibidwal na katulad ng pag-iisip na may hilig sa paglalaro.

Sa konklusyon, ang MLBB Creator Camp ay naging game-changer para sa industriya ng e-sports sa Pilipinas. Sa hinaharap, ang mga nagnanais na mga manlalaro ay walang alinlangan na magkakaroon ng pagkakataon na sumikat at gumawa ng kanilang marka sa mundo ng paglalaro bilang resulta ng tagumpay nito, na nagpakita ng lumalagong katanyagan ng mga larong e-sports sa bansa.

   by Bass from any   2023-03-31 15:23:37 / Reply

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   by NustabetADA from UK   2023-03-24 22:35:01 / Reply

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   by from PH   2023-03-24 08:37:52 / Reply

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The Perya games are traditional forms of amusement in the Philippines, often found at fairs and carnivals. There are various activities involved in these games, including throwing rings or darts to win prizes. Many Filipinos have fond memories of playing Perya games during their childhood, and the games remain a popular pastime to this day.

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   by BASS from PH   2023-03-17 04:45:21 / Reply

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Nag-aalok ang Nustabet ng maraming uri ng mga real money earning games in the Philippines, at isa sa pinakasikat sa mga ito ay ang mga slot machine. Ang paglalaro ng mga slot machine sa Nustabet ay nag-aalok ng mga manlalaro ng ilang benepisyo na ginagawa itong isang kaakit-akit na opsyon para sa mga naghahanap ng totoong pera. Dito ang ilan sa mga benepisyo ng paglalaro ng mga slot machine sa Nustabet:

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How to Increase Your Chances of Winning the Lottery

Recently, 433 winners shared the 236 million pesos Lotto jackpot in the Philippines, once again demonstrating the excitement and charm of the lottery. Besides luck, there are ways to increase your chances of winning.

Playing lotto regularly is one of the most important things you can do to increase your chances of winning. This may seem obvious, but the more you play, the better your chances of winning. Set a budget for your lotto payouts and stick to it. You can also increase your chances of winning by joining a lotto pool. It's a group of people pooling their money to buy more lotto tickets. If any lottery is won, the winnings will be divided equally among the pool members. Joining a lottery pool can increase your chances of winning while also reducing your costs. Picking less popular numbers can increase your chances of winning a bigger share of the prize. There is no foolproof strategy for picking winning numbers. Many players tend to choose numbers that correspond to birthdays, anniversaries, or other important dates. Picking less popular numbers means that if those numbers do win, you're less likely to have to split the prize with other winners who picked the same numbers. Playing multiple games can also increase your chances of winning. Consider playing multiple games with smaller jackpots instead of focusing on just one game. In addition to increasing your overall chances of winning, this method also provides more chances of winning smaller prizes.

Finally, avoid common mistakes when playing the lotto. Make sure to check the rules and regulations of the game before playing. Double check your number before submitting a ticket. Most importantly, never spend more than you can afford to lose.

In conclusion, while winning the lottery depends largely on luck, there are some ways to increase your chances of winning. By playing consistently, joining Lotto pools, picking less popular numbers, playing a variety of games and avoiding common mistakes, you can maximize your chances of winning the jackpot or smaller prizes. Always play responsibly and live within your means.

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