Don’t Spend Your 13th Cheque Before It Even Arrives

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Receiving any extra money is always a good thing and it gets even better if it comes in the form of a 13th cheque or a December bonus.

However, the festive season is known to be a time when even the more financially savvy among us tend to overspend, but it doesn’t have to be that way.

“Janu-worry will only end if we are disciplined before and during December,” said debt counsellor, Stephen Mulima.

“Many South Africans are in over their heads with debt and if we are not responsible when we get extra money, then we won’t solve the problem of debt.”

He gives his top three tips to wisely spend the additional money — for the lucky ones who receive it.

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