Kaya Bizz Talking to Lettie Mzwinila, Business development manager at Allan Gray

The end of the year is fast approaching. As we look forward to a season filled with presents, travel, holidays and celebrations, many of us will blow our budgets to absorb these extra costs. It pays to have a specific spending and savings plan for the holiday period, so that you can manage all your expenses and make it through December and January with ease. Lettie Mzwinila shares some ideas to help us enjoy this festive season, without breaking the bank.