{"id":17196,"date":"2025-12-22T10:43:00","date_gmt":"2025-12-22T08:43:00","guid":{"rendered":"https:\/\/www.jobberman.com.gh\/discover\/?p=17196"},"modified":"2025-12-26T08:33:25","modified_gmt":"2025-12-26T06:33:25","slug":"december-salary","status":"publish","type":"post","link":"https:\/\/www.jobberman.com.gh\/discover\/december-salary","title":{"rendered":"5 Clever Ways to Spend Your December Salary Wisely"},"content":{"rendered":"\n<p class=\"wp-block-yoast-seo-estimated-reading-time yoast-reading-time__wrapper\"><span class=\"yoast-reading-time__icon\"><svg aria-hidden=\"true\" focusable=\"false\" data-icon=\"clock\" width=\"20\" height=\"20\" fill=\"none\" stroke=\"currentColor\" style=\"display:inline-block;vertical-align:-0.1em\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path><\/svg><\/span><span class=\"yoast-reading-time__spacer\" style=\"display:inline-block;width:1em\"><\/span><span class=\"yoast-reading-time__descriptive-text\">Estimated reading time: 3 <\/span><span class=\"yoast-reading-time__reading-time\">0<\/span><span class=\"yoast-reading-time__time-unit\"> minutes<\/span><\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-ai-summarize yoast-ai-summarize\"><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f9931d46d67\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f9931d46d67\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.jobberman.com.gh\/discover\/december-salary\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.jobberman.com.gh\/discover\/december-salary\/#1_Hide_the_Bulk_of_Your_Cash_Out_of_Sight\" >1. Hide the Bulk of Your Cash Out of Sight<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.jobberman.com.gh\/discover\/december-salary\/#2_Prioritise_Clearing_Your_Debts\" >2. Prioritise Clearing Your Debts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.jobberman.com.gh\/discover\/december-salary\/#3_Stop_Impulse_Buying_Before_It_Starts\" >3. Stop Impulse Buying Before It Starts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.jobberman.com.gh\/discover\/december-salary\/#4_Leverage_Sales_and_Discounts_With_Caution\" >4. Leverage Sales and Discounts With Caution<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.jobberman.com.gh\/discover\/december-salary\/#5_Have_Fun_With_a_Caution_Cap\" >5. Have Fun With a Caution Cap<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span>Key Takeaways<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"wp-block-list yoast-ai-summarize-list\">\n<li>Manage your December salary wisely to avoid a January financial hangover.<\/li>\n\n\n\n<li>Hide a portion of your salary in savings to resist impulse purchases and stick to a strict budget.<\/li>\n\n\n\n<li>Prioritise clearing debts before December spending to enhance peace of mind in the new year.<\/li>\n\n\n\n<li>Shop early and avoid impulse buys by sticking to a pre-written list, especially during sales.<\/li>\n\n\n\n<li>Allow yourself to have fun, but cap entertainment spending at 20% of your total December salary.<\/li>\n<\/ul>\n<\/div>\n\n\n<div>We are always tempted to spend our December salary on holiday shopping. Yes, December holiday spending is the most anticipated part of the year, but it often leads to a &#8220;January financial hangover.&#8221; To avoid entering the new year broke, you must manage your early December salary, usually paid between the 14th and 20th, with a strategic plan. By setting a budget, clearing debts, and avoiding impulse buys, you can enjoy the festivities without draining your bank account.<\/div>\n<div>\u00a0<\/div>\n<div>Here are five clever ways to spend your December salary wisely.<\/div>\n<div>\u00a0<\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Hide_the_Bulk_of_Your_Cash_Out_of_Sight\"><\/span>1. Hide the Bulk of Your Cash Out of Sight<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div>Before the excitement hits, move a &#8220;chunk&#8221; of your salary into a savings account. Automate this first transfer by scheduling an automatic sweep to savings on payday. If it&#8217;s not in your primary checking account, you won&#8217;t be tempted to whip out your debit card for a whim purchase. Create a strict budget. <a class=\"article-body-links\"href=\"https:\/\/www.mlc.com.au\/personal\/insights\/five-rules-of-money-management\">Decide exactly what you will spend<\/a> on clothes and gifts, and leave the rest untouched.<\/div>\n<h2><span class=\"ez-toc-section\" id=\"2_Prioritise_Clearing_Your_Debts\"><\/span>2. Prioritise Clearing Your Debts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div><a class=\"article-body-links\"href=\"https:\/\/www.unfcu.org\/financial-wellness\/50-30-20-rule\/\">Personal loans<\/a> carry high-interest rates that eat into your future wealth. Make clearing any outstanding balances your priority. Entering January with zero debt provides a level of peace that no Christmas gift can match. You can learn more about managing high-interest debt to stay ahead.<br \/>\n<figure id=\"attachment_21053\" aria-describedby=\"caption-attachment-21053\" style=\"width: 378px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-21053\" src=\"https:\/\/www.jobberman.com.gh\/discover\/wp-content\/uploads\/2018\/12\/how-to-spend-your-december-salary-1-378x198.jpg\" alt=\"a man calculating and counting money\" width=\"378\" height=\"198\" srcset=\"https:\/\/www.jobberman.com.gh\/discover\/wp-content\/uploads\/2018\/12\/how-to-spend-your-december-salary-1-378x198.jpg 378w, https:\/\/www.jobberman.com.gh\/discover\/wp-content\/uploads\/2018\/12\/how-to-spend-your-december-salary-1-600x315.jpg 600w\" sizes=\"auto, (max-width: 378px) 100vw, 378px\" \/><figcaption id=\"caption-attachment-21053\" class=\"wp-caption-text\">How would you spend your December salary to avoid going broke in January?<\/figcaption><\/figure>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"3_Stop_Impulse_Buying_Before_It_Starts\"><\/span>3. Stop Impulse Buying Before It Starts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div>Prices rise as the holiday approaches. To avoid the &#8220;holiday tax,&#8221; shop early and stick to a pre-written list, don&#8217;t &#8220;Window Shop&#8221;. If you are browsing for fun, you will find something you don&#8217;t need. Stay Sober While Shopping; \u00a0never make financial decisions when your judgment is impaired by holiday spirits or alcohol.<\/div>\n<h2><span class=\"ez-toc-section\" id=\"4_Leverage_Sales_and_Discounts_With_Caution\"><\/span>4. Leverage Sales and Discounts With Caution<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_21054\" aria-describedby=\"caption-attachment-21054\" style=\"width: 378px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-21054\" src=\"https:\/\/www.jobberman.com.gh\/discover\/wp-content\/uploads\/2018\/12\/emotional-teenager-having-family-weekend-with-her-dad-378x198.jpg\" alt=\"a picture of a man and a little girl looking happy after a shopping.\" width=\"378\" height=\"198\" srcset=\"https:\/\/www.jobberman.com.gh\/discover\/wp-content\/uploads\/2018\/12\/emotional-teenager-having-family-weekend-with-her-dad-378x198.jpg 378w, https:\/\/www.jobberman.com.gh\/discover\/wp-content\/uploads\/2018\/12\/emotional-teenager-having-family-weekend-with-her-dad-600x315.jpg 600w\" sizes=\"auto, (max-width: 378px) 100vw, 378px\" \/><figcaption id=\"caption-attachment-21054\" class=\"wp-caption-text\">Enjoy your Christmas with caution and end it debt-free.<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<div>Many shops hold clearance sales to move stock before the new year. While discounts are great, they are only &#8220;savings&#8221; if you were already planning to buy the item. According to consumer protection guidelines, retailers use slashed prices to lure you into buying things you don&#8217;t need. Only buy what is on your list!<\/div>\n<h2><span class=\"ez-toc-section\" id=\"5_Have_Fun_With_a_Caution_Cap\"><\/span>5. Have Fun With a Caution Cap<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div>You <a class=\"article-body-links\"href=\"https:\/\/www.jobberman.com.gh\/discover\/employee-rewards\">worked hard all year<\/a>, and you deserve a reward! Whether it\u2019s a spa day, a weekend getaway, or a nice dinner, you should treat yourself. However, keep this to 20% of your overall salary. If a luxury splurge isn&#8217;t in the budget, focus on low-cost joy, like a home-cooked meal with family.<\/div>\n<div>\u00a0<\/div>\n<div>Managing your December holiday salary requires a balance of discipline and celebration. By moving your savings out of sight, prioritising debt, and capping your &#8220;fun&#8221; spending at 20%, you protect yourself from the dreaded January financial slump. Don\u2019t let the excitement of the season dictate your financial health. Use this time to audit your habits and enter the new year with a clear mind and a full bank account. With these five clever strategies, you can enjoy a joyful, stress-free holiday while staying on track for a prosperous year ahead.<\/div>","protected":false},"excerpt":{"rendered":"<p>December holiday is the most anticipated part of the year, but it often leads to a &#8220;January financial hangover.&#8221; To avoid this, you must manage the money early.<\/p>\n","protected":false},"author":169,"featured_media":21060,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1116],"tags":[1121,1255,1254],"content_author":[],"class_list":{"0":"post-17196","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-life-at-work","8":"tag-active-qualified-candidates","9":"tag-christmas","10":"tag-december-salary"},"_links":{"self":[{"href":"https:\/\/www.jobberman.com.gh\/discover\/wp-json\/wp\/v2\/posts\/17196","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jobberman.com.gh\/discover\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jobberman.com.gh\/discover\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jobberman.com.gh\/discover\/wp-json\/wp\/v2\/users\/169"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jobberman.com.gh\/discover\/wp-json\/wp\/v2\/comments?post=17196"}],"version-history":[{"count":0,"href":"https:\/\/www.jobberman.com.gh\/discover\/wp-json\/wp\/v2\/posts\/17196\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jobberman.com.gh\/discover\/wp-json\/wp\/v2\/media\/21060"}],"wp:attachment":[{"href":"https:\/\/www.jobberman.com.gh\/discover\/wp-json\/wp\/v2\/media?parent=17196"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jobberman.com.gh\/discover\/wp-json\/wp\/v2\/categories?post=17196"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jobberman.com.gh\/discover\/wp-json\/wp\/v2\/tags?post=17196"},{"taxonomy":"content_author","embeddable":true,"href":"https:\/\/www.jobberman.com.gh\/discover\/wp-json\/wp\/v2\/content_author?post=17196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}