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Splurging on unnecessary ‘summer essentials’ and gifts or flashy vacations can however lead to a financial hangover in January, warns Lizl Budhram, Head of Advice at Old Mutual Personal Finance.
While it’s important to relax and enjoy yourself at the end of a demanding year, this shouldn’t result in unnecessary debt and a compromised lifestyle in 2018. “It’s possible to find a balance between enjoying your year-end break and maintaining financial health. The key is to focus on having quality time and meaningful experiences instead of expensive luxuries.”
She offers the following tips to avoid a money hangover in 2018:
“Year-end spending should not result in a painfully tight January. Be honest with yourself about your financial position to avoid the burden of debt in the New Year. Get a head-start on your 2018 financial goals by consulting a financial adviser and planning ahead so that you have more flexibility to reward yourself and at the same time maintain, and improve, your lifestyle,” concludes Budhram.