JOHANNESBURG - The festive season can financially tricky for some.
It's easy to overspend during this time of the year and then suffer the repercussions in January.
READ: Festive spending | Many planning on using credit cards and loans
So how can one navigate this period of overspending even with the 13th cheque?
We get tip from financial coach and entrepreneur Pamella Ndzumo. She is also the founder of Ndzumo Consulting.