1️⃣ Don’t Fall for Scams:
Scammers always become more active in December because many people want “fast returns.” Be careful of any investment opportunity that sounds too good to be true. Any investment platform that asks you to invest ₦50k to get ₦100k in a few days is a scam. Run!
2️⃣ Avoid Taking Loans for Consumption:
Don’t borrow money to buy clothes, host parties, or attend events. That’s financial rascality. You will regret it in 2026. You will.
3️⃣ Leave Betting Alone:
I am very sure many people will gnash their teeth this December because the little money they could have used to eat, they will put into betting, thinking they will “cash out.” But they won’t. Don’t be part of that unserious group. Don’t!
4️⃣ Have a Budget and Stick to It:
Know how much you can afford to spend, what you need to spend it on, and stick to it. Don’t overspend just because “the year is ending.” December comes with pressure to show off, resist it. Buy only what you truly need and plan ahead for next year.
5️⃣ Save Your 13th-Month Salary or Bonuses:
If you receive a 13th-month salary or a year-end bonus, save or invest it. Don’t waste it on temporary pleasures. That money is your seed, not your harvest. Send it into your future, or use it to buy a physical asset if possible.
6️⃣ Don’t Forget Upcoming Bills:
As you spend this season, remember your upcoming and recurring expenses, rent, school fees, business restocks, and possible emergencies. Prepare ahead.
✅ Lastly, if possible, start buying some of the things you’ll need for yourself, your family, or your children early. Prices often rise when demand increases.
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