The festive season is a time for joy, laughter and connection, but for many of us, it is also a time of financial stress, exacerbated by the pressure to spend more than we can afford. The good news is that you don’t have to spend a fortune to create the magic.
Focussing on what truly matters, like quality time spent with family and friends, and exchanging thoughtful gifts that don’t cost the earth, is the secret to a memorable holiday that will find you and your finances in good stead, come Janu-worry.
Connecting with those you love is the soul food that will help you replenish your energy and fortify you for the year ahead; so go ahead and dream, and with some smart planning, you can create a holiday experience that fulfils all your expectations without draining your wallet.
If you are one of millions of South Africans who need to turn around every penny you spend, then good fortune is on your side. We are so lucky to live in a country where unique and expansive experiences are bountiful and available to almost all of us, regardless of where we live or our circumstances, says Neil Roets, CEO of Debt Rescue.
While most of us will struggle to resist the temptation of going a little wild with our wallets over the holidays, for many, it’s simply not an option. There’s no doubt that this has been one of the toughest years ever for South Africans from all walks of life – and it’s evident that households are approaching the December retail experience and the great deals on offer very differently this year.
A recent Debt Rescue survey revealed that, for millions of citizens, it’s no longer about splurging on luxuries but about stocking up on necessities while staying within budget to afford a few small indulgences.
Memories matter most
With a little preparation and a focus on what truly matters, festive celebrations can be a joyful, stress-free time of year. If we set ourselves a realistic spending limit, opt for meaningful experiences, and embrace time spent with our loved ones, we can make the holidays magical without blowing our budget.
In fact, South Africans can fill their holidays with a myriad of excursions and experiences that don’t cost a cent, and that will fill your heart without emptying your wallet.
Top 5 things to do for free
These are the top five free things to do, highly recommended for your holiday ‘bucket list’, by Roets.
- Pack a picnic basket, gather friends and family, and head to the nearest public garden, park, dam, or lake for a day of food, fun, outdoor games, and great conversation. Or add a touch of culture by heading for a free, open-air acoustic sunset concert at the park, the mall or on the beach.
- Explore nature or coastal scenery at one of the country’s many open forests, hiking trails or coastal walks. Being in nature costs nothing and can feel like a holiday all on its own.
- Embrace street-level festivities and wander around markets and cultural districts in neighbouring areas, where you can mingle with the people and soak up the culture and vibe.
- Shop for your festive celebratory meals at a nearby farmers’ market or community garden. That way, you spread the goodwill and support local businesses, while saving on your budget.
- Take a walk on a beachfront promenade with your dogs or children, if you are lucky enough to be at the coast. Play catch and soak up the views. Many of these spaces are perfect for chill, relaxed days.
It’s all about planning ahead and working with the limited resources you have. If you do find yourself going into 2026 with your bank balance in the red, seek help from a registered debt counsellor who can assist you in managing your financial predicament.
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