• Contact Us
  • About Us
  • Advertisement
  • Privacy & Policy
Friday, July 11, 2025
SUBSCRIBE
The Brief | Namibia's Leading Business & Financial News
26 °c
Windhoek
22 ° Wed
25 ° Thu
  • Home
  • Companies
    • Finance
    • Agriculture
    • Technology
    • Property
    • Trade
    • Tourism
  • Business & Economy
  • Mining & Energy
  • Opinions
    • Analysis
    • Columnists
  • Africa
  • e-edition
No Result
View All Result
The Brief | Namibia's Leading Business & Financial News
  • Home
  • Companies
    • Finance
    • Agriculture
    • Technology
    • Property
    • Trade
    • Tourism
  • Business & Economy
  • Mining & Energy
  • Opinions
    • Analysis
    • Columnists
  • Africa
  • e-edition
No Result
View All Result
The Brief | Namibia's Leading Business & Financial News
Subscribe
No Result
View All Result
TB image banner 750x140
Home Companies Finance

Januworry? Not this time

by editor
November 4, 2022
in Finance
46
A A
57
SHARES
954
VIEWS
Share on FacebookShare on TwitterShare on LinkedIn

You might also like

NamRA collects N$12.78 billion in first two months of financial year

BoN orders banks to cut gap between repo and lending rates

DBN secures Green Climate Fund accreditation

January seems like ages away, especially because we have a November and a December to get through first. What fun we have in December, seeing our families for the first time in a long time, taking a well-deserved break, celebrating weddings and simply getting a chance to relax. 

It is amazing how much focus we put on how our December is going to look and little mind to what comes after having the time of our lives. Now, I understand that planning for January may seem to be a buzz kill to December and may limit just how reckless one can be in December. However, ‘Januworry’ is very real, and it has led many to the mercy of massive debt. 

Januworry – by its own name – is the worry that comes with the month of January when one has recklessly spent all their available money in December and have little to nothing left for them to survive in January. They sit in anticipation of their next pay cheque, or if things get tough, they resort to taking a loan. 

So, how do we avoid being broke in January? It should have all begun in the previous January, with a financial plan, financial goals, the use of a budget and consistency. However, if you have not been planning all year, it is not too late, there’s hope, but you must act immediately. Like anything to do with money, it requires patience, commitment, and consistency. 

There are some tricks and tips that might help you make ‘Januworry’ go away completely. For early bird planners and the less risky bunch, make a budget that includes a saving for the month/s before January and stick to it. Place your savings in a short-term investment scheme that can earn you some extra cash for January. Finally, make a list of everything you need to spend on and do a reality check on it. The check can be guided by questioning whether every item on the list is indeed a need, a necessity or simply a want and adjust accordingly. Yes, it may seem like a buzz kill, but it will be worth it when you have a smooth January. 

In the case that you no longer have the capacity to plan; you can still survive the trenches of ‘Januworry’ by making small changes to your habits such as cutting on nice-to-have ingredients and using whatever is available to make a decent meal. This will allow you to save the money you usually spend on ingredients.  In addition, instead of buying lunch at work, pack a lunchbox from the food you prepared. Further, avoid taking your card with to work, this will discourage unnecessary spending. 

This year has been one of the toughest years financially, with interest rate hikes, increased petrol prices and a recessive economy. Therefore, January is almost guaranteed to be even tougher. Take caution and ensure to avoid being another ‘Januworry’ victim.

 *Justine Domingues is an aspiring CA (NAM) with a drive to make financial education widely available. She is the founder of Financial Zula, a Youtube channel that focuses on making financial education available. For more information, please check out Financial Zula on Youtube.

 

author avatar
editor
See Full Bio
Tags: CompaniesLatest
Share23Tweet14Share4
Previous Post

Twitter layoffs to begin on Friday with over 3 000 jobs expected to be lost

Next Post

What happens to the tenant when the property is for sale?

Recommended For You

NamRA collects N$12.78 billion in first two months of financial year

by reporter
July 9, 2025
0
NamRA sees drop in illegal vehicle imports following moratorium

The Namibia Revenue Agency (NamRA) has collected N$12.78 billion in revenue between 1 April and 31 May 2025, as part of the current financial year. Of this total,...

Read moreDetails

BoN orders banks to cut gap between repo and lending rates

by reporter
July 2, 2025
0
BoN orders banks to cut gap between repo and lending rates

The Bank of Namibia (BoN) has directed all commercial banks to narrow the gap between the repo rate and lending rates by 25 basis points in two stages...

Read moreDetails

DBN secures Green Climate Fund accreditation

by reporter
July 2, 2025
0
DBN secures Green Climate Fund accreditation

The Development Bank of Namibia (DBN) has been officially accredited by the Green Climate Fund (GCF), a move expected to improve Namibia’s ability to access international climate finance....

Read moreDetails

Bank of Namibia meets incoming Bank Windhoek MD

by reporter
July 2, 2025
0
Bank of Namibia meets incoming Bank Windhoek MD

The Bank of Namibia has officially met with James Chapman, who will take over as Managing Director of Bank Windhoek in July 2025. Chapman was introduced to BoN...

Read moreDetails

Standard Bank invests N$35 million in CSI initiatives over five years

by reporter
June 30, 2025
0
Standard Bank invests N$35 million in CSI initiatives over five years

Standard Bank Namibia says it has invested more than N$35 million in Corporate Social Investment (CSI) initiatives over the past five years. The bank’s wide-ranging support spans health,...

Read moreDetails
Next Post
What happens to the tenant when the property is for sale?

What happens to the tenant when the property is for sale?

Related News

Botswana court delivers damning judgment against PwC over delayed Choppies audit

Botswana court delivers damning judgment against PwC over delayed Choppies audit

November 26, 2021
Namibia’s inflation hits record high in April

Namibia’s inflation hits record high in April

May 12, 2022
Namibia’s youth initiatives and policies found wanting by AU body

Namibia’s youth initiatives and policies found wanting by AU body

November 17, 2021

Browse by Category

  • Africa
  • Agriculture
  • Analysis
  • Business & Economy
  • Columnists
  • Companies
  • Finance
  • Finance
  • Fisheries
  • Green Hydrogen
  • Health
  • Investing
  • Latest
  • Market
  • Mining & Energy
  • namibia
  • Namibia
  • News
  • Opinions
  • Property
  • Retail
  • Technology
  • Tourism
  • Trade
The Brief | Namibia's Leading Business & Financial News

The Brief is Namibia's leading daily business, finance and economic news publication.

CATEGORIES

  • Business & Economy
  • Companies
    • Agriculture
    • Finance
    • Fisheries
    • Health
    • Property
    • Retail
    • Technology
    • Tourism
    • Trade
  • Finance
  • Green Hydrogen
  • Investing
  • Latest
  • Market
  • Mining & Energy
  • namibia
  • News
    • Africa
    • Namibia
  • Opinions
    • Analysis
    • Columnists

CONTACT US

Cell: +264814612969

Email: newsdesk@thebrief.com.na

© 2025 The Brief | All Rights Reserved. Namibian Business News, Current Affairs, Analysis and Commentary

Welcome Back!

Login to your account below

Forgotten Password?

Retrieve your password

Please enter your username or email address to reset your password.

Log In

Add New Playlist

No Result
View All Result
  • Home
  • Companies
  • Mining & Energy
  • Business & Economy
  • Opinions
    • Analysis
    • Columnists
  • Africa

© 2025 The Brief | All Rights Reserved. Namibian Business News, Current Affairs, Analysis and Commentary

This website uses cookies. By continuing to use this website you are giving consent to cookies being used. Visit our Privacy and Cookie Policy.