Yes it is Christmas time Nevertheless, watch out For THIS!!!

Christmas is just a few days away, it is time to make merry, have a good time with friends and family, and most of all let us remember the reason for the season and that is to celebrate the birth of our savior Jesus Christ. Anyway, with Christmas incomes spending yes and to some extent justifying impulse buying or just buying yourself that which you've wanted so much to have but could not find a good reason why to or the money to do.

But let us stop and think from the beginning of the year, we knew that this time of the year will eventually come but being Kenyans most of us wait for it, we don't plan for it, although I understand within the span of 12 months things do happen but anyway planning for Christmas or generally spending doesn't hurt in fact it saves you a lot. Yes I know there are offers going off the shelf left right and centre but those offers will only make sense if you buy what you had planned and save the rest better yet buy a gift for that loved one who you had for so long wanted to buy a gift for but couldn't just get the money to.

Yes it is Christmas but spend wisely.