{"id":37042,"date":"2022-12-08T12:00:40","date_gmt":"2022-12-08T10:00:40","guid":{"rendered":"\/blog\/?p=37042"},"modified":"2022-12-08T12:00:40","modified_gmt":"2022-12-08T10:00:40","slug":"how-to-create-a-festive-season-budget-still-reward-yourself","status":"publish","type":"post","link":"\/blog\/how-to-create-a-festive-season-budget-still-reward-yourself\/","title":{"rendered":"How to Create a Festive Season Budget (& Still Reward Yourself!)"},"content":{"rendered":"

The countdown to the festive season has started. Many South Africans are looking forward to some holiday downtime after a stressful year. Now, with the end of the year in sight, the temptation to throw caution to the wind, overspend, and live for the moment is heightened.<\/p>\n

We know it\u2019s easy to get carried away in the lead-up to the holidays. Fun family gatherings, and buying gifts to treat family and friends can make you forget the financial responsibilities awaiting you in 2023.<\/p>\n

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The good news is that, with careful planning and budgeting, you can still reward yourself and your family, while still having a relaxing break. Here are a few savvy financial tips for happy holidays.<\/p>\n

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Budget before you spend:<\/h4>\n

If you haven\u2019t already drawn up a household budget, then this is the time to start. Go over your bank statements and track your income and expenditure. Identify regular, high-priority bills such as your home loan, and estimate your monthly expenses. Debt doesn\u2019t go on holiday; you will still have loans to pay off.<\/p>\n

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Compare prices:<\/h4>\n

Having determined your needs, shop around for the best deals and negotiate where possible before making a purchase. Be careful of \u201cbuy now, pay later\u201d deals, which often attract high charges. Compare prices online and keep in mind that you could benefit from special offers leading up to 25 December.<\/p>\n

Use a tool like PriceCheck<\/a> to shop around for the best price on gifts and essentials. Taking the time to compare prices on the items you intend to buy over the festive season can help you save big. These savings now could lead to savings that will add up over the coming year, so it’s worth the extra time spent researching.<\/p>\n

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Plan your holiday meals:<\/h4>\n

Do an audit of your fridge, freezer and pantry \u2013 you may be surprised at what you have stashed away. This will prevent you from dashing out for items you already have. For your holiday meals, make a list of ingredients you need and don\u2019t shop hungry. If you’re hosting friends and family for a holiday meal then ask guests to bring a dish instead of trying to prepare everything yourself.<\/p>\n

Be creative with gifts:<\/h4>\n

Source favourite family recipes and make delectable jams and chutneys, biscuits and preserves. Buy attractive containers, make a customised gift tag, and create your own wrapping paper by carving a stamp or using a ready-made stencil.<\/p>\n

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Plan a staycation:<\/h4>\n

If you’re staying home for the holidays it doesn’t mean you can’t get creative with activities. Organise a hike, or a visit to the beach, museum or botanical gardens, and search online for free events such as jazz in a park or city festive light displays.<\/p>\n

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Diminish debt:<\/h4>\n

If you are fortunate enough to receive a bonus or 13th cheque, then use it wisely. Pay off high-interest debt first, then boost savings and investments.<\/p>\n

Donate wisely:<\/h4>\n

Before supporting a charitable cause, ensure that the organisation is properly registered and governed. Charitable giving can be tax-deductible, so request a Section 18A certificate and file it.<\/p>\n

Don’t forget to treat yourself<\/h4>\n

Having completed your planning, be sure to reward yourself. Meeting a money milestone calls for a celebration. For example, fitness equipment<\/a>, such as a yoga mat<\/a> or a new set of weights<\/a>, could be a treat now and an investment in your health. A cooking, craft or photography<\/a> course could spark a new interest and lead to a lucrative side hustle.<\/p>\n","protected":false},"excerpt":{"rendered":"

Savvy saving tips for the festive season.<\/p>\n","protected":false},"author":20,"featured_media":33428,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"amp_status":"","footnotes":""},"categories":[10187,10186],"tags":[1477,361,6204,7491,10215,10214],"jetpack_featured_media_url":"\/blog\/wp-content\/uploads\/2021\/11\/Online-shopping-hero2.jpeg","_links":{"self":[{"href":"\/blog\/wp-json\/wp\/v2\/posts\/37042"}],"collection":[{"href":"\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"\/blog\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"\/blog\/wp-json\/wp\/v2\/comments?post=37042"}],"version-history":[{"count":4,"href":"\/blog\/wp-json\/wp\/v2\/posts\/37042\/revisions"}],"predecessor-version":[{"id":37054,"href":"\/blog\/wp-json\/wp\/v2\/posts\/37042\/revisions\/37054"}],"wp:featuredmedia":[{"embeddable":true,"href":"\/blog\/wp-json\/wp\/v2\/media\/33428"}],"wp:attachment":[{"href":"\/blog\/wp-json\/wp\/v2\/media?parent=37042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"\/blog\/wp-json\/wp\/v2\/categories?post=37042"},{"taxonomy":"post_tag","embeddable":true,"href":"\/blog\/wp-json\/wp\/v2\/tags?post=37042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}