Njaanuary is Here. How to Survive the 90 Days of January

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January, aka Njaanuary is here and with it comes financial stress most people can’t afford to ignore.

After the festivities of December and Christmas which include travel and gifting, most people find themselves in a financial crunch come January. It is not a surprise that most people find themselves debt-ridden in January after spending more than they should in December.

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Worry not as there are ways to curb the January pressure and survive it successfully. Check them out below;

Mama Mboga is your best friend

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Leave the habit of eating in restaurants in December and embrace mama mboga again in January. This is because eating out is expensive and could be the reason you’re broke to begin with. Do grocery shopping at the market near you and prepare homemade meals.

Take a matatu

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If you are in the driving class, a good thing to embrace in January would be taking a matatu to work. Fueling the car could get costly so save some coins by taking the bus or carpooling with colleagues and friends.

Bargain Hunt

When shopping for household goods and groceries, look for the shops and supermarkets with the best deals and discounts.

Sell what you don’t need

January is the time to sell all the things you do not need. Luckily for you, the internet has made it easier for anyone to sell anything without a physical shop. Just sign up on platforms like OLX and eBay and get selling.

Unsubscribe

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Subscriptions for cable tv and the gym unnecessarily take up most of your money which you can spend more wisely. The best thing to do would be to cancel these subscriptions.

Budget

Account for every coin you spend in January. To do this, you have to come up with a budget and stick to it.

 

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