Everyone loves overspending but hates the financial hangover that happens in January.

“The festive season can be a time of both celebration and smart financial decisions. We’ve all been there, overspending in December and then scrambling in January. It’s fun in the moment, but that financial stress is something we can avoid with a little bit of planning,” say Ayanda Majola and Kagiso Tloubatla, co-founders of investment company SV Capital...

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