Avoid excessive spending this festive

Christmas is a time for fun and more importantly a time for giving. But, with many struggling after the hard lockdown, it’s important to make smart decisions and not break the bank. Remember there's still school uniforms, stationery, and textbooks to buy in the new year. Shikar Singh, Head of Collections at FNB says before you spend recklessly, make sure you budget for a rainy day. Courtesy #DStv403