Overspending over the festive season is quite common.
In January new school gear needs to be bought and those debit orders have all gone up.
There's a joke that January is actually six weeks long.
It's time to keep a cool head - and do not borrow from Peter to pay Paul, says this financial educator.
Speak to your insurers - there are products called premium holidays. Find out if they have premium holidays.
— John Manyike, head of Financial Education - Old Mutual
These loyalty and awards cards - do not underestimate them. Use them.
— John Manyike, head of Financial Education - Old Mutual
You really need to take what drastic measures you can take - even if it means not eating meat.
— John Manyike, head of Financial Education - Old MutualYou
Do not try to maintain your status while you are suffering..
— John Manyike, head of Financial Education - Old Mutual
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