Cape Town - It’s January and the heat is on – in more ways than one.
For most people January means a cash crisis. Christmas holidays are always more expensive than you think, and now January lies ahead: it is boiling hot and you’re also cash-strapped.
Of course, the secret lies in planning ahead, putting money aside during the year, buying school uniforms in November, and not splurging in December. But all of that is easier said than done, and while it’s hats off to the people who have managed to do all of that, for many others it is crunch time.