10 Tips to Plan Your Finances for the Holidays

Holidays are fantastic!

Filled with the smell of cinnamon, ocean breeze, pine cones, fireworks, sunblock, braai, and delicious freshly baked cookies.

We can hear kids giggling and screaming at the top of their lungs of joy, while playing and running around.

We usually enjoy the holidays so much that we leave nothing for the month that is not to be named – The Janu-worry…

Our ten tips aim to enhance your enjoyment, not limit it. We want you to embrace the fun, adventure, and relaxation—have the most memorable time possible!

1/ Be realistic – Get the temptation out of the way.🌍✈️💰

While holidays are a favorite, avoid last-minute December getaways that inflate credit card debt.
Plan your dream 2024 vacation off-season for better rates. Open a savings account, start depositing for your dream holiday.

2/ Be honest with budgeting

Set a budget and stick to it – your future self will thank you.
Involve your spouse or your friend to plan and keep you accountable not to spend too much.

3/ Plan for food, plan for fun, and give 🍽️🏊‍♂️🎁

Cook with friends, and experiment with how to prepare a steak.
Have fun in your own pool, and be present.
Giving is fulfilling; the more you give, the more you’ll want to.

4/ Rest, keep it simple

Rest is different for everyone, sleep more, walk, read a book while lying down.

5/ Track your spending every day

The only actual work you need to do is tracking how much you have left and how much your daily spend is, set a daily reminder on your phone, it only takes 5 mins.

6/ Creative Resourcefulness

Go through your entertainment goods at home, you’ll be surprised at how creative you can be.
Create a vegetable garden with Hydroponics

7/ Find things to do on Google for under R 150

Pick an end point, and explore events along the way.
Before entering a market or festival, set a spending limit, withdraw cash, and stick to it. Discover amazing hidden treasure, under R 150.

8/ Build, Bake, or create something that you or someone else can use

Build a cool table or chair from recycled wood
Sell redundant, “white elephants” in your home and save money.
Give away what you don’t want; someone might need what you have in abundance.

9/ Enjoy the little things🍦📚🚴‍♂️🔥🌙✨

Treat yourself to a soft serve or unwind with hot chocolate and a book when the weather gets chilly.
Bike ride through a nearby man-made forest.
Build a fire in your yard; enjoy the moon and stars— your kids will love it!

10/ Ask God to help you get out of the routine and wait on Him for restoration

Most vital of all, spend time with God.
Seek His vision for your FLOW – Faith and Leadership over Wealth – in 2024.
As you plan for 2024, write down the insight you receive from the Holy Spirit.

May your holidays be filled with laughter, soft serve, and a renewed spirit for the adventures that await in the coming year! 🌟🍦

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