How to Avoid Overspending This Festive Season
- Apex Financial Services
- Nov 24, 2025
- 1 min read
In 2024, Consumer spend surged throughout December, with retail transactions totaling nearly R88-billion in sales in South Africa.
Set a REALISTIC Budget
It's vital to have a detailed budget
The biggest drivers of December spend are:
Groceries
Travel
Restaurants
Set spending limits, ands stick to it.
Beat the Rush
Retailers tend to start holiday sales in September
Early shoppers:
Have the best selection of items
Don't get caught by festive season overspending
Avoid last minute shopping and impulse buying.
Look back, Plan ahead
Savings and reserves will help avoid the stress of JanuWORRY
Keep track of your spending habits
Make responsible financial decisions.
Use cash, avoid credit
Credit cards allow you to overspend
Do not fall into that trap
You are spending up to 22.5% more when using credit
Always be careful to only spend within your means.
The best things in life are free
Enjoy what South Africa has to offer you. From beach days to hikes and even tented camps.
There are thousands of ways to have serious fun, without breaking the bank.
Enjoy nature and free experiences.
Eat at home
With friends and social media pressuring you to go out, stay strong and stay within your means.
Discipline yourself and be aware of your budget
A home-cooked meal today, results in a calmer January.
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