Truth be told, and most of us are very very careless when it comes in spending, den tomorrow dey will still be the one that will go bankrupt and start begging either on the street or their love ones, they spend forgetting there is tomorrow, is only few people that has a budget plan when it gets to festival periods like December time because during dat time people travel, celebrate, do alot of things during that period and it always cause a lot of spending too, so while spending, they also keep aside the ones they will use on January incase there is no money left again, to use to sustain themselves until they resume work and start receiving salary too but only few does that while spend everything with the mentality dat they will get another one before January which at times fail them. So while spending it's also important to remember to save incase of emergency.