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Once again another Christmas is here and it's all about celebration galore and lots of
jamboree, fun, fun, fun and more fun.

But it's very crystal clear that there is no form of fun and enjoyment that doesn't come without its financial implications.

Just as it's the season of celebration and fun, we shouldn't get carried away by the spur of the moment because January is just around the corner. We shouldn't forget that the country is still in recession.


January is the time when you have to pay your bills, ranging from house rent to children's school fees etc, it's never really a good time financially in January!

So what do you do to make sure you are not in the red zone financially in January?

You need to be prudent and descreet in your Christmas spending. It's always difficult to follow this rule considering the atmosphere and spirit that comes with Christmas and new year celebrations.

Spend wisely- you don't have to spend extravagantly just to impress some few friends. It is an act of stupidity to spend all your money this season and then you get broke by January. You should be wise in your spending.

Those folks you are trying to oppress or impress will not be there in January when you get broke.
Inasmuch as you would want to take care of your loved ones you shouldn't go beyond the limit. Be ready for the rainy day and don't forget that we are still in recession.

Invest- yes invest,  nobody will tell you about investments during Christmas, but it's actually the best time to invest your money.

 You can start up a little business or you buy shares in corporate organisations. You can also start an online business.
Infact there are lots of ways to invest your money and make it yield some profit by January.
The country is still in recession and investment is still the best way forward!

Wishing you a merry Christmas celebration.

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