The lights are up, the music is loud, and everyone’s saying, “It’s Detty December!” But while the season is all about joy, parties, and giving, it’s also the easiest time to lose track of your money or worse, lose it to scams.
Before you swipe that card or send that transfer, take a moment to give yourself the gift of wisdom learning how to spend smartly this season.
1. Budget First, Flex Later
December has a way of making even the calmest spender go wild. But the truth is, January will still come. Set a spending limit and stick to it.
Make a list of what’s important gifts, travel, family, outings and avoid spending outside that plan.
That way, you can enjoy without waking up broke in January.
2. Shop, But Shop Smart
End-of-year sales are everywhere, but not every “70% off” is real. Many scammers set up fake online stores with sweet deals to collect payments and disappear.
Before you buy:
- Check reviews.
- Look out for verified pages.
- Use “Pay on Delivery” when possible.
And if the price looks too good to be true… it probably is.
3. Protect Your Banking Details
This is not the season to be careless with your cards or PINs. Scammers are more active in December than ever.
Never share your OTP or click suspicious links claiming to be from your bank.
Banks never ask for personal details through calls or messages.
Remember: your bank app is not Santa Claus it won’t give you gifts for “updating your details.”
4. Say No to Pressure Spending
You don’t have to attend every outing or buy every matching outfit. Don’t let social media or friends push you into debt.
The best memories aren’t always the most expensive ones.
Give what you can, do what you can and rest. Peace of mind is the best December accessory.
5. Give From the Heart, Not From Your Account Balance
Gift-giving is beautiful, but it shouldn’t leave you financially stranded.
You can show love in simple, thoughtful ways a handwritten note, home-cooked meal, or small gesture that means more than an expensive item.
True generosity isn’t about how much you spend, but how much love you share.
Also read: What Having a Guinness World Record Really Means
