By Elzita Beukes
December is in full swing, and you’re already doing the mental maths: new uniform, gifts, groceries, petrol to visit family, and somehow still have enough money left for January.
You know what’s coming. The stationery list is already sitting in your school WhatsApp group. By the second week of January, every shop will be packed with parents panic-buying the same things, and half of what you need will be out of stock.
Uniform prices will be higher. Your daughter will need new school shoes because the previous pair is too tight. And your salary? Still three weeks away.
Here’s the thing: you can’t avoid January. But you can take some of the eina out of it. Not with a perfect budget or by skipping Christmas, but by making a few smart moves now, while you still have breathing room.
1. Cover the non-negotiables first
Buy uniforms and shoes now
Stock is good, prices haven’t increased yet, and kids can try things on without fighting the January crowds. If your child has grown (and they always do), size up. That blazer might be a bit big in January, but it’ll fit by March – and you won’t be buying another one in six months.
2. Deal with December realistically
December is expensive. You want to spoil your kids, see family, and maybe take a few days off. But if you go all in, January becomes a nightmare.
Your December salary has to last longer
If you’re paid mid-month in December (like many Namibians are), remember: that’s not a bonus, it’s just your regular salary arriving early. Spend it all in December and you’re staring down a six-week gap until the end of January, with nothing left. Once January hits, school fees, groceries and transport costs start again, and the money needs to be there.
Make Christmas work with what you have
For your kids: Let school supplies double up as gifts – shoes, stationery, a lunch bag, or a backpack they’ll love. Wrap them up and make them special. This shows them that gifts don’t always have to be toys or treats, and that getting what they need is also something to appreciate.
For everyone else: Thoughtful gifts go further than you think. Baked goods, a photo album, or time – a night of babysitting for tired parents – all mean more than overspending.
Set a limit, and stick to it
Sit down this week and decide what you can actually afford for gifts and celebrations. If it’s N$2,000 instead of N$5,000, that’s fine. Write it down, stick to it, and stop comparing what you have available to what others are spending.
Have the conversation early
Not a lecture, just honesty: “We’re keeping gifts smaller this year so we’re not stressed in January.” Most people get it (kids included). If extended family is involved, set expectations now so no one’s caught off guard on Christmas Day.
3. Don’t wait for the January scramble
Shop sales now
Festive season sales aren’t just for TVs and phones. School shoes, stationery, lunchboxes … they’re all on sale, too. Spread the cost by buying a few things each week during December, instead of doing one massive shop in January, when everything is full price again.
Stick to what really matters
Skip the extras that don’t add value, like fancy pencil cases, character backpacks, or new lunchboxes. Instead, focus your budget on the essentials your kids actually need, like uniforms, shoes, and textbooks.
The reality check
January’s always going to be expensive – that’s just the reality of back-to-school season. Set a realistic budget, buy now while stock and money are available, and protect your January salary.
*Elzita Beukes, Senior Manager: Public Relations and Communication at Standard Bank Namibia, says: “Planning ahead is the best gift you can give yourself. December is a time for family and celebration, but it’s also the perfect opportunity to make small, intentional choices that ease the financial pressure in January. Start early, use rewards where you can, and remember – it’s not about skipping joy, it’s about spreading it wisely.”
