I hope no one comes asking me for money this month because while the parties went on, I kept going over my checklist to ensure I didn't exceed my “13th” month budget. Lol.
This may sound funny, but I made a budget before shopping. I planned how much I could afford to spend and stuck to it. It helped me so much because I did not overspend; hence I avoided financial stress. I took my time to look for and use the few sales coupons I could get that helped me save money on gifts.
To all my friends I invited over to my place to eat Nigerian Jollof and grilled chicken over a few bottles of beer; the secret was that it was cheaper cooking at home and stocking my fridge with the drinks than it would have been to do so in a commercial place. To be honest, I even enjoyed it better because we had time to engage in all sorts of activities. I am so proud of myself that I avoided impulse buying.

Thank God we don’t have credit cards in Nigeria. I am sure I will have been tempted to use it. I used my debit card. To help you stick to your budget, consider using cash or a debit card instead of a credit card. This can help you avoid accumulating debt.

It's good to be frugal especially this time