Hello there!<\/p>\n
Detty December is here! After all the shege 2024 has thrown at us; from dollar spikes, and inflation, to endless fuel hikes (let\u2019s not even talk about the couples’ PDA drama this year #JusticeForSingles) you absolutely deserve to unwind and jaiye ori e.<\/p>\n
But remember, the time between your December paycheck and your first January salary is a lengthy one. So, if you don\u2019t want your wallet to start singing “Aye” by January 5th, here are some hacks to keep you smiling through to Salary day in January.<\/p>\n
1. Create a Detty December Budget<\/strong> 2. Freeze Your Card (Literally)<\/strong> 3. We Are OutInside!<\/strong> 4. Get Creative with Transport<\/strong> 5. Meal Prep Like a Pro<\/strong> 6. Say No without Feeling Guilty<\/strong> 7. Declare a \u201cNo Spend\u201d Day Weekly<\/strong> Bonus Hack<\/strong>: Ignore IJGB\u2019s Congratulations, You Made It! With these few points of mine, I hope I have been able to convince you that you can survive the yuletide season without going broke.<\/p>\n Cheers!<\/p>\n <\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" Hello there! Detty December is here! After all the shege 2024 has thrown at us; from dollar spikes, and inflation, to endless fuel hikes (let\u2019s not even talk about the couples’ PDA drama this year #JusticeForSingles) you absolutely deserve to unwind and jaiye ori e. But remember, the time between your December paycheck and your […]<\/p>\n","protected":false},"author":13,"featured_media":9362,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[],"class_list":["post-9361","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-features"],"_links":{"self":[{"href":"https:\/\/www.heirsholdings.com\/hhpeople\/wp-json\/wp\/v2\/posts\/9361","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.heirsholdings.com\/hhpeople\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.heirsholdings.com\/hhpeople\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.heirsholdings.com\/hhpeople\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.heirsholdings.com\/hhpeople\/wp-json\/wp\/v2\/comments?post=9361"}],"version-history":[{"count":2,"href":"https:\/\/www.heirsholdings.com\/hhpeople\/wp-json\/wp\/v2\/posts\/9361\/revisions"}],"predecessor-version":[{"id":9364,"href":"https:\/\/www.heirsholdings.com\/hhpeople\/wp-json\/wp\/v2\/posts\/9361\/revisions\/9364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.heirsholdings.com\/hhpeople\/wp-json\/wp\/v2\/media\/9362"}],"wp:attachment":[{"href":"https:\/\/www.heirsholdings.com\/hhpeople\/wp-json\/wp\/v2\/media?parent=9361"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.heirsholdings.com\/hhpeople\/wp-json\/wp\/v2\/categories?post=9361"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.heirsholdings.com\/hhpeople\/wp-json\/wp\/v2\/tags?post=9361"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nFollow the 50-30-20 rule:
\n\u2022 50% for essentials
\n\u2022 30% for enjoyment (workshop chop is a real thing!)
\n\u2022 20% for savings or investments.
\nPro tip: Pay yourself first! That 20% could go into a short-term investment like a money market fund on Invest Now.<\/p>\n
\nImpulse spending? Not me! Fill a bowl with water, drop your debit card inside, and freeze it. Each time you want to splurge, you\u2019ll need to thaw it. By then, hopefully, your common sense will defrost too (lol)<\/p>\n
\nWho says fun has to be expensive? Organize a Bring Your Own Bottle (BYOB) party with friends. Add board games, karaoke, fun and laughter and the rest is history.<\/p>\n
\nGet into the \u201cnew year\u201d \u201cnew me\u201d mode early. Save on fuel and transport costs while tackling those new year\u2019s fitness goals. Walk, carpool, or cycle to errands, etc. Kill two birds with one stone.<\/p>\n
\nHilda Baci has nothing on you with your bag of office rice. Check your freezer for frozen leftovers \u2013 gizzard, goat and the like. Whip up those saved Instagram recipes and turn your kitchen into a 5-star restaurant.<\/p>\n
\nFOMO is expensive! Politely skip pricey owambes or, if you must attend, rock a demure outfit from your wardrobe and gift the celebrant a thoughtful token instead of going broke over asoebi.<\/p>\n
\nChallenge yourself to a no-spend day every week. Avoid anything non-essential for 24 hours, I know it sounds tough but you\u2019ll be amazed at how much you can save.<\/p>\n
\nLiving debt-free is the real flex, don\u2019t let IJGBs tension you, they\u2019ll return to base on or before your January paycheck arrives.<\/p>\n