If you're still struggling financially every January it means you still have a lot of things to fix up with your financial management. We know the season generally comes with a lot of spending and project flying here and there but as a wise person, proper planning and preparation are expected of you even before the season comes fully. It's necessary to establish a fact that for most people who visit the village during Christmas and New Year, it's a very bad thing if you don't budget the amount you will spend throughout your stay in the village. Failure to plan this might even go on to ruin a good portion of the rest of the year for you. We know that businesses don't strive too well from January to March and if you don't know how to set your financial plan on track such that you can easily adapt to whatever comes after the festive season, you will end up joining the company of those that visit the village with a lot of money but can't afford to pay their T fair back until they sell out their phones and gadgets.