How to avoid Januworry: six essential tips for smarter festive spending

The festive season is often heralded as a time of joy, celebration, and connection among South Africans.

However, for many, this seasonal goodwill can quickly lead to a phenomenon known as “Januworry,” characterised by financial stress in January as consumers grapple with the aftermath of heightened holiday spending.

With back-to-school expenses looming, this financial hangover may feel even more burdensome post-December.

Mariné van Brakel, Deputy CEO of RCS, stresses the importance of financial planning for the holidays.

“Financial wellness isn’t about cutting out joy; it's about planning so your festive cheer doesn’t turn into January stress. A few small steps now can make the start of 2026 feel far more manageable,” she asserts.

Recent reports indicate that South Africans spent nearly R88 billion during the festive month last year alone. Shockingly, about one in five consumers relied on credit to fund their celebrations, with food and beverages making up over a third of this expenditure. Dining out and travelling more frequently during the holidays further exacerbated this spending surge.

To help consumers navigate the upcoming holiday season without falling victim to Januworry, Van Brakel outlines six practical tips:

• Set a budget: Before any spending takes place, establish reasonable limits for gifts, entertainment, and travel.
• Anticipate additional expenses: If you expect extra costs in January, such as school supplies, incorporate them into your December budget.
• Take charge of your finances: Understanding your credit profile and how interest rates affect repayments will keep you from falling into debt traps.
• Stay informed: Empower yourself financially by knowing your spending habits and adjusting them accordingly.
• Shop carefully: Watch out for scams during the holiday shopping season; avoid clicking on suspicious links and be cautious of deals that seem too good to be true.
• Prioritise mindful spending: Making conscious financial choices ensures that joy and responsibility can coexist.

Van Brakel reiterates that a mindful festive season can significantly benefit your future self.

“A little planning and discipline now can ensure that the joy of the festive season lasts well into the new year. Financial wellness isn’t about cutting out joy; it’s about making mindful choices that allow you to enjoy the holidays responsibly.”

As the joyous end-of-year celebrations approach, the call to action is clear: take control of your festive spending and shift the narrative from Januworry to Janu-wellness.

BUSINESS REPORT