If there is something I am good at, it is that I know how to manage money to the last cent, and people always call me stingy but I don't mind because after everything, I am still the person who would suffer it most and it is then you won't see anyone around to support or help you. As someone who doesn't like being embarrassed when it comes to money, I tend to be wise and prudent in my spending. I used to say that it is better to have lots of food at home and no money than to not have any. Food is very important.
So far, Christmas for the year 2024 is gone. We have waited for the season and yesterday, we celebrated it filled with love and enjoyment. Now, we have just 5 more days to the end of the year. Do I still have my finances in check?
Absolutely, yes.
I don't want to enter the new year broke or try to seek help for transport fare back to my destination. I have planned this even before travelling to my hometown. I set aside money for foodstuffs that will take me through at least 2 months and some weeks in the coming year. Also, I set aside money to celebrate my birthday as I have decided to travel to the city of Lagos to have a mini party with my two childhood friends. All of these would cost me money, but I am covered with my proper planning and nothing will disturb the other.
Going broke isn't something I want to experience at the start of the new year, so I tried to make sure nothing would lead to that. Just like I said before in one of my posts, I hate to borrow, especially at the beginning of a new year. This is why I made a thorough planning with my finances where I don't need to start spending beyond my budget at home. Since we've enough foodstuffs and ingredients to use, nothing is making me spend extra money aside from the ones I intend to give to one of my uncles and my dad.
Budgeting is a good tool that has helped me till now and if I didn't include an item on my list to purchase, I don't. Another thing is that I made sure to move my money against next year into my locked account while I have some amount for my transport fare and the ones as tips. This will guide me on spending judiciously, and once I have reached the limit, I zip up. I don't want anyone to put me in trouble because I would not want to start begging and causing myself embarrassment in January; that's something I hate.
I was having a conversation with a friend last night and we talked about our plans against next year, especially talking about our finances, I had to let her know how tight I have been in my hometown and not giving anyone face when it comes to money. She also has a plan for the new year, and just like me, she doesn't like something to embarrass her, so she is being careful. Spending beyond the limit just to impress people will only lead one to be broke, so let's be careful because going broke isn't something palatable to experience.
Both images are mine
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