• Women of Reverence

Financial Wisdom Tips: Being Joyous in December with January in Mind By Keamo Molebalwa.



Proverbs 13:16 (TLB): “A wise man thinks ahead; a fool doesn’t, and even brags about it!”


1. Rewards and December payouts


  • Save your store card rewards for January.

  • For any savings paying out in December i.e. stokvels payouts or investment clubs, rather opt to receive them in January.


Proverbs 21:20 (NIV): “The wise store up choice food and olive oil, but fools gulp theirs down.”


2. Budget


  • Spontaneity can be costly. Rather create a December itinerary with estimated cost for each activity.

  • Be creative on ways to minimize costs i.e. a bring and share with friends or family.

  • Avoid spontaneous and late shopping.

Deuteronomy 12:7 (ESV): “And there you shall eat before the Lord your God, and you shall rejoice, you and your households, in all that you undertake, in which the Lord your God has blessed you.”



3. Take advantage of Covid


  • Enjoy a braai or cooking competitions at home with family instead of going out.

  • Consider that it MIGHT not be necessary to buy new clothes?

  • Consider what you can supply your community with to supplement income and pray for guidance, for God is the One who gives us ABILITY to prosper (Deut 8:8).


4. Cash flow for January


  • Pay money into your credit card or a different bank account for January.

  • Draft your January budget with estimated costs for items BEFORE NEEDED, before your next income injection.

Luke 14:28-30 (NKJV): “For which of you, intending to build a tower, does not sit down first and count the cost…”

5. Partner with God


“Do not neglect to do good and to share what you have, for such sacrifices are pleasing to God.” (Hebrews 13:16; ESV)


  • Give to those who lack in this season.



To get to know our Women of Reverence Contributor

Keamogetswe Molebalwa

click here


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