Anyone that thinks that last quarter of the year is a time to spend or squander is not financially wise, there is no stipulated time for anyone to startup a business so I don't see anything wrong if anyone decides to startup a business at the last quarter of the year, let's consider somethings, what if the person involved has been prepared for a long time and because of financial constraints he or she couldn't startup early and may be finally get the amount needed for the business at the last quarter of the year, will he want to give excuses to himself that he needed to spend considering the fact that it's a festive season, I think the answer for me should be a big NO because we are talking about investment which we all know that such opportunity may not come again in a life time.

Average income earners also have savings so whichever way money may enter there pucket through the money they have been saving from the beginning of the year till the last quarter, so for me it will be very advisable for such persons to startup the business without looking back since it has been planned because festive period don't multiply money already spent, the only way such individuals can be a bit sure of multiplying their money gradually is by starting up a business though it also depends on the business but be it as it may starting up a business is better than spending unnecessarily in the name of festive period shit.