3 Top Tips ending 2025
We’ve officially reached the downhill stretch of the year – the part where the braais get hotter, the calendars get busier, and our wallets… well, they get a bit lighter. Before we all slip into full holiday mode, here are three quick money notes to help you end 2025 feeling calm and in control.
I also want to thank each of you for the trust, support, and relationships we have built in 2025. It was a year full of ups and downs (thank you, Mr Trump, 😊), but overall, we had a great year of investing (especially on the local front), and we hope that 2026 will deliver some more great returns.
The 13th-Cheque Game Plan
If you’re fortunate enough to receive a bonus or 13th cheque this month, it’s a great chance to make a smart move before the year ends.
A simple rule that works well:
50% for spending, 30% for debt repayment, 20% for future-you.
- Use a portion for festive fun – guilt-free.
- Consider topping up your TFSA or emergency fund.
- Clear a small debt or store account to start 2026 lighter.
It doesn’t need to be complicated. Just giving your bonus a purpose already puts you ahead of most people.
Avoid the December Spending Traps
The holidays are fantastic, but the “Janu-worry” hangover is not. A few small habits can keep you out of trouble:
- Make a quick December budget – gifts, travel, eating out – and stick to it.
- Limit “buy now, pay later” deals. They look harmless, but they pile up fast.
- For non-essentials, try a cash-first mindset. If you can’t pay for it now, skip it.
Your January self will thank you.
Get Financially Fit for 2026
Before switching off your laptop for the last time this year, take 20 minutes to set yourself up for a smoother new year:
- Review medical aid and gap cover while options are still open.
- Check in on your investments – are they still aligned with your 2026 goals?
- Update beneficiaries and ensure your emergency fund is stocked.
- Is your Will up to date?
Small admin now = major peace of mind later.
Some more December tips:
