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If you did not budget for the Festive Season trip, stay at home |

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If you didn’t save, don’t borrow to spend |

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Make the Season’s gifts instead of buying them, it puts more heart to the gift |

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Give your precious time to the needy as opposed to money during the Season |

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Invest in money boxes as gifts for children |

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Avoid buying on impulse, resist those SALE signs |

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When you see SALE, think SAVE, for next year’s obligations await |

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Have you budgeted for next year’s school requirements: fees, stationery, uniforms? |