How to save rather than spend money this festive season

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How to save rather than spend money this festive season
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Many people find themselves short of money at the beginning of January due to overspending in December.

There are ways to avoid the dreaded New Year financial hangover. Consumers should not wait to make a New Year’s resolution about changing their money habits but rather start implementing changes to the way they manage their money well in advance of January 1 – in fact, start right now.

It is ironic that New Year’s resolutions about saving money tend to fail because of overspending in the holiday season, leaving consumers overwhelmed and discouraged and often spiralled back into a cycle of financial chaos. We all look forward to a well-deserved break from work and routine in December, but it is also important to keep financial prudence in mind.

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