The Detty December Survival Guide
FRSC warnings aside, the most dangerous thing about December is that it’s right before January.
And you see January? Hmm. It has 61 days.
So before you get reckless with money over the next three weeks, let’s agree on a few things.
1. You won’t attend shows featuring the same artistes.
How many times are we going to listen to the same songs live, really? If two shows feature 75% of the same artistes without any special guests, skip one and save money.
2. You will set a budget.
Because you can never overplan to spend.
3. You will eat before you go out (because there’s always rice at home).
A full stomach equals some money saved. Sure, it may mean there’ll be less vigorous dancing at first but you’ll get lighter as the night progresses.
4. You will turn on Spend+Save (and keep it on).
Even when you’re spending on budget, it’s good to know that something is being saved every time. (10% of 1,000 naira spent is 100 naira saved.) Turn that thing on!
No one should get in the way of your alcohol (as long as you don’t drink and drive or bring shame to your family tree), but you can go from one drink to too many drinks fast and end up a lot less liquid than you want to be. BYOB.
6. You won’t touch your January savings, no matter what.
Oh, you haven’t saved a lump sum for January? Are you trying to live on the edge? Please, please, please, put some money in Fixed Savings now and keep your hands off it.
7. You will be generous with sense.
Not every time “Drinks on me!” Sometimes, “Your drinks on you.” Also, you should split cab fare with your friends (look out for serious surges) if no one is driving. There’s no shame in being financially wise.
8. You won’t shop on impulse.
A new outfit for one night of rocks? Is that really necessary? Go with your wardrobe classics and you can start the new year with enough money to get new clothes.
9. You won’t borrow for the wrong reasons.
Borrowing to shop for clothes? Wrong reason. To throw a party? Wrong reason. To travel for fun? Also a wrong reason. If you’re not in a tight spot, saving up is always better than taking a loan.
10. You will buy gifts ahead.
Last-minute gift shopping means you’re buying whatever you can find, which means you’re likely to overspend. Shop ahead, thoughtfully.
May the rocks be ever in your favour. ✌🏾