Spend Everything December

Hello Pal,

Detty December is upon us again, and I know you are ready to turn up!  Like everybody else, you must be wondering how to enjoy the season and not start the new year with an empty wallet and a mountain of debt. As your correct Gee that I am, I have put together a December game plan to help you enjoy this festive season and start the new year a baller. After all, budget or no budget, what is Detty December without balling?

First things first: Detty December doesn't mean "spend everything December." It is about smart celebration, strategic enjoyment, and keeping your financial goals intact.

Your Detty December Budget Game Plan

1. The 50/30/20 Rule with a Festive Twist:

Set aside 50% for your must haves, 30% for enjoyment, and 20% for savings. 

This December, that 20% is your secret to entering the new year with a smile. The good thing is that the Leadway Savings Plans can help you lock down those savings and even earn some sweet returns while you are out enjoying the season.

2. Event Budgeting

List out your must-attend events. Concert? Check. Christmas party? Absolutely. But assign a realistic budget to each. Look for early bird tickets and group discounts and don’t forget to plan ahead.

3. The Detty December Emergency Fund

Unexpected expenses love showing up during the holidays. A small emergency fund can come to your rescue big time.  

4. Gift Giving Without Breaking the Bank

 Set a total gift budget and ensure that you do not exceed it. Think of creative ways, like group gifts and DIY presents, to help you cut costs. Remember, it is the thought that counts, not the price tag.

5. The Savings Challenge

Challenge yourself to save a specific amount before January.

Now that you have this game plan, your detty December is set, but ensure you do not struggle alone when Leadway can be your financial partner. Their savings plans are designed for people like you who want to enjoy life while staying financially smart. 

Send us a direct message. Let us set up a savings plan that will allow you to enjoy this season and still hit that savings goal in 2025. It is better to start saving now because we all know what happens to those January resolutions.

Stay woke this December oo! 

Till next week

Lots of love,

Caleb

From Leadway