Financial Planning
Beat burnout, bag bargains: smart spending secrets for the festive season
As the year winds down, many South Africans face a double challenge: burnout and the temptation of festive-season sales. According to the South African Depression and Anxiety Group (SADAG), surveys show that burnout affects a significant portion of the workforce, with some reports suggesting that up to one in three employees experience symptoms of burnout.
Behavior Check
Pause before you swipe
Retail therapy might feel like a quick fix, but it can lead to lasting debt. Counselling psychologist Sanam Naran (founder of Conscious Psychology and Sanctuary in the City in Johannesburg), warns that understanding emotional spending habits is key to financial well-being. Before splurging, take an honest look at what you can afford and create a plan to stick to it.
Festive Savvy
Three smart strategies for the season:
1. Set a budget and stick to it
Know your income, outline priorities and commit to spending only what fits in with your plan. Structure removes emotion from spending decisions.
2. Check your credit health
Access your free credit score and report. Set boundaries and goals to maintain healthy credit habits during this season of temptation.
3. Understand your triggers
Impulse buying often masks stress. Seek support from professionals – financial advisers, coaches or counsellors – who can help you set goals and avoid pitfalls.
Mindful Money
Celebrate the season without financial worries
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