Survive December’s Early Paycheques with a Plan

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December is a time of joy, bonuses, and festivities—but also financial challenges. Many receive early paycheques and year-end bonuses, leading to a sense of abundance. However, the gap between December and January paydays can create financial strain if not managed wisely.

Here’s a checklist to help you make the most of your December income and stay on track:

Financial Checklist for December

? Plan Your Monthly Budget First

• Cover January essentials (rent/mortgage, utilities, and food) with December’s paycheque.
• Set aside funds for any January bills that are often forgotten, like insurance or subscriptions.
• Consider starting a “No Spend” challenge in early January to recover.

? Save Before You Spend

• Deposit a portion of your paycheque or bonus into your savings or emergency fund.
• Use any remaining amount for debt repayment or planned purchases.
• Avoid draining your reserves for holiday expenses.

? Be Selective with Holiday Spending

• Focus on meaningful, affordable gifts rather than overspending.
• Consider DIY or group gifts to manage costs.
• Track your spending to avoid surprises later.

? Prepare for Unexpected Expenses

• Create a mini-budget for holiday emergencies or last-minute plans.
• Avoid tapping into savings unnecessarily.
• Set aside funds for January bills and potential emergencies.

December is a month of abundance and festivities, but financial discipline will help you maintain stability into the new year. By planning ahead and saving strategically, you can enjoy the season while staying prepared for what’s to come.

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