HOW THE HO! HO! HO! GOT US BRO! BRO! BROKE!

Every year, it becomes a norm for Nigerians to wail in the month of January. Personally, I have no direct understanding of why the month of January comes with such a shock to everyone. But from a number of proxy expenses, I think I understand better now.

Source
The 10 days of celebration, starting from the 24th of December till the 2nd of January has to be the most extravagant and impulsive spending period in the entire world, save for Muslims and Jehovah's witnesses, everyone celebrates this season. It's the widely recorded period between the end of one year and the beginning of another. (Technically, that's incorrect because individually, our years start on our birthday).

Impulsive buying, spending, gifting, and sharing, leads to the poverty-stricken 300 days of January. You might want to believe you have the ability to plan and do all you can to avoid this terrifying month, but how much really can you do?

LET'S TALK ABOUT MEAT

In the month of November, a retired couple spent the equivalent of $100 on fish in preparation for the yuletide season, come mid-December, fish is almost exhausted, so they spend another equivalent of $100 on a very pathetic looking goat, some turkey, and some more fish.

Now, this couple can afford to do this, because well, they're retired and have not much to do with their money than spend on food and feed as many family members that are willing to pay them a visit.

NOW, LET'S TALK ABOUT MEAT EATERS
All around the neighbourhood, kids with their own families come over to their house to eat food that they played no part in bringing to existence. That's okay, this couple spent roughly $300 in total in making sure you, a total stranger has something to eat.

Strangers are fed and don't get me wrong, I understand the need to give at Christmas. I love giving. However, the government doesn't give much bonus for such extravagance. That doesn't change the fact that giving during this season is a compulsion.

THEN COME JANUARY
HAPPY NEW YEAR!!!

We step into the new year with smiles on our faces, clean slates, no hate and no money.

You fed the entire universe who doesn't give a damn about you during the season, now you're poor and you can't let them know because, well, you're the rich family in the neighbourhood.

HOW CAN WE AVOID THIS MADNESS??

PLEASE NOTE: THIS IS NOT FINANCIAL ADVICE, I AM AN UNEMPLOYED GRADUATE WHO HAS NO RIGHT TO TELL YOU WHAT TO DO WITH YOUR MONEY.

However, I strongly believe that with the right financial management plan, the long days of January can be avoided like a plague.

I could start with the typical advice of saving all through the year to spend it all in those very special 10 days, orrr, why don't you just cut costs and take your family out for lunch and dinner the entire day?

The monthly pay for December comes in around the middle of the month, and in most homes, it's comoletely gone before the end of the week, in celebration of that "special season".

**Spend less on gifts, if that's what you do. **

Look, things are hard, people will accept anything as a gift right now. You do not have to pretend like your year wasn't as fucked up as the next person's.

Send out your money and suffer to enjoy later.
You know if you had bought some Bitcoin around Christmas you would be a little bit richer, right?

I'm not saying buy currencies with money you want to spend on food or anthing, but invest spare cash in cryptocurrenccy. I say this because I love you and the government doesn't.

January doen't have to be a drag. And if right now you're as poor as I am, you can still remain wealthy with a good attitude and maybe people with better financial sense will take pity on you and dash you money.

HAPPY NEW YEAR!!!

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