Very soon, your TikTok will be overtaken by sounds like “Ladies and Gentlemen, welcome to Decemberrrrr”.

'Tis almost the season.

For almost every Nigerian, December is known for its Detty-ness or as the Oblee season. For you, as a reader of Money and More, the vital question should be: “How does this affect my financial future?”

Depending on how you go about it, it could be very detrimental. You could leave sunshine and fun-filled December to the 70 days of famine in January, regretting every sip of alcohol and promising that December 2027 will be different.

If you’re lucky, your New Year resolutions may require you to be more prudent with your funds, and those hard times in January may not be so bad.

Now, I’ll never tell you not to spend money on the good things of life.

Afterall, Femi Otedola once said…

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So yes, let’s Oblee. Let’s have a very Detty December, but let’s do it without pushing back more important financial goals.

Planning for The Detty-est December

The most fun Decembers are built brick by brick at the start of the ember months. Here’s how to plan for this year’s Oblee SZN.

Create an Itinerary

Start by picking the raves or concerts you’re going to attend. Map out all the culinary experiences you want to explore, and if you want to hangout with your friends, get everyone to agree and you can create a WhatsApp group for it. Oblee requires serious planning.

Plan for the Gifts Too

Beyond your personal Oblee, you might want to gift your favourite people this Christmas, and this should be in your budget for the season. If you’re looking for a gift, we have a very special one for you to explore. Gift A Yield lets you gift your loved ones an investment plan that grows up to 21% p.a. This way, they’re can be on track to meet their financial goals in the New Year.

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Budget for Your Enjoyment

We are not just whining our waists in December, we are also ensuring we meet our financial goals. A budget doesn’t mean you can’t be spontaneous and attend a surprise concert, it just means you must have budgeted for the spontaneity much earlier.

Read our budgeting guide here: The Budgeting Cheat Code

Gather the Funds

For example, if you’ve decided that from the 20th of December to the 5th of January, you’ll spend N500K on flexing. This means you have approximately 62 days between mid-October and the 20th of December to put those funds aside.

With Target Yield, you can automate the process, by putting aside ~8k daily, ~56K weekly, or 250K monthly to meet your goal. You can literally name the Target Plan, Oblee or Detty December and start setting funds aside. The best part is you earn 15% p.a. interest on it, once the goal is met.

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It’s never too early to plan. Now that we’ve agreed on a gameplan, let’s make sure to stick to it😌. This December can be the littest ever, without having to regret our decisions in January. So create your Target Yield plan today, and let’s plan for the Detty-est December ever.

This is from the Money and More Newsletter sent bi-weekly to Yield users. Subscribe below.