1. Plan your shopping ahead of time
To minimise the need for frequent trips to the store, plan your shopping carefully. This not only saves you time but also helps you avoid unnecessary impulse purchases that can quickly drain your wallet.
2. Earn cashback rewards with your debit or credit card
Swiping your FNB card is the safest and most convenient way to transact, especially during the festive season when it’s not advisable to be carrying cash as it may make one susceptible to criminals. Make it a habit to bank better by swiping for all your festive essentials and earn Cash back while you are at it, which will come in handy in January.
There are three stages that a customer needs to satisfy so that they eventually earn Cash back:
• Qualify – a customer must have an active current account, have sufficient salary/deposit into their current account and all accounts be in good standing. • Goals – there are different goals per segment which includes cash to card, digital, loan uptake, bundled pricing, invest and savings. There are different threshold for customers on their different segments. One goal is one level. A smart customer is rewarded up to three Goals, Gold up to four goals, Premier and Private Clients up to five goals. • Earn – there are three categories which are card spend on debit and/or credit, buying airtime on our digital platforms and buying electricity on our platforms.
3. Shop online for added savings
Consider using your card for online shopping. This ensures that you only buy what you genuinely need, helping you save both time and fuel costs.
4. Maintain your vehicle
Ensure your vehicle is in top condition by scheduling regular servicing and checking that your tires are properly inflated. A well-maintained car not only performs better but also consumes less fuel.
5. Drive safely and efficiently
Stick to the speed limit and avoid aggressive acceleration when you are on the road. Driving responsibly not only enhances safety but also reduces fuel consumption.
6. Manage your debit orders
As the calendar turns to January, be aware that businesses with whom you have debit orders may process these payments earlier. To avoid penalties, ensure you have sufficient funds in your account. Keeping an eye on your spending and fund management will help you maintain a healthy cash flow throughout January.
7. Save for January
The festive season will come and go but January priorities will still be there. Make sure that you save up a nest egg that will come in handy for those essentials in January to ensure that you don’t experience a ‘JanuWorry.’ By following these tips, you can make the most of your festive season travels and ensure that your finances remain in good shape as you transition into the New Year. Remember that FNB Botswana is here to support you in managing your money efficiently, banking better and enhancing your financial well-being. To know more about money management, visit the FNB Botswana website; For MeBank BetterMoney Management, and explore different ways to bank better.
