How Small Holiday Splurges Add Up

You’re right. You do deserve it. But let’s try something.

Picture this: You go to a mall. You see a guy dropping R100 notes on the floor. He walks 10 steps. Drops one again. Keeps going.

You ask, “Hey, are you okay?”

He says, “Oh, I always drop R100 when I’m in a good mood.”

Sounds strange, right? But that’s exactly what we do in December.

Let’s Break It Down:

Here’s what many South Africans spend during the holidays:

Total: R6,490

That’s not counting parties, unplanned weekends away, or that “silly season special” we only see once a year... every year.

Your Brain’s Trick:

We remember big spends, but forget tiny leaks. We notice what stands out. We forget what blends in.

You won’t remember that R45 cappuccino. But your budget will feel it - like a thousand paper cuts.

Here’s What You Could’ve Done Instead:

R6,490 invested in a TFSA today = R33,400 in 15 years (at 10% growth per year)*.

That’s two months of freedom at retirement.

Two months where bills are paid, fridge is full, and you’re not asking your kids for help. From a single holiday's worth of small splurges.

Try this today:

Write down everything you spend for 3 days. Just 3. You’ll see where your R100s are falling.

Then ask: “Is this spend buying joy now... or stealing peace later?”

You can still enjoy the holidays.

But you don’t need to trade your future for three extra takeaway burgers. Save some joy for later too. Your future self is watching.

They’ll thank you for one less Uber...and one smarter choice.

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* DISCLAIMER:
This example is for informational purposes only and does not constitute financial advice. Returns are based on an assumed 10% annual growth rate (compounded) and are not guaranteed. Actual returns may vary depending on market conditions, fees, and investment choices. Capital is at risk. Tax-free savings accounts (TFSAs) are subject to annual and lifetime contribution limits. EasyEquities is an authorized Financial Services Provider (FSP 22588) and a juristic representative of First World Trader (Pty) Ltd (FSP 22588). EasyEquities is a division of First World Trader (Pty) Ltd and an authorised Over-the-Counter Derivative Provider (ODP44) under FSP 22588.