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- Detty December planner
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Plan your Detty December before it plans you.
Add up the owambe, outfits, shows, travel, chops and gifts. We'll tell you how much to put aside each payday from now. So December is paid for before it starts. And January still has rent money.
—days to 1 December
Your December
- December total
- ₦0
- Paydays before 1 Dec
- 0
- Save each payday
- ₦0
…and what's left for January?
January's rent, food, transport and bills come first. Put that money aside before December starts. Don't touch it. December salary comes early? Then January can feel like a five or six week month.
Make it a cup, not a crisis
In Tereka, you fill your Leisure and Savings cups every payday, all year. So next December is already paid for. Your Living costs cup keeps January's rent safe.
Free, no account. Tereka never holds your money.
Questions
How much should I budget for Detty December?
There is no right number. Add up what you actually plan to do. Think events, outfits, travel, food and drinks, gifts and owambe. Then check it against your pay. Will saving for it squeeze your rent, food or emergency money? Then cut the list before December, not during it.
How do I save for December from October?
Count the paydays you have left before 1 December. Divide your December total by that number. Move that amount to a separate savings pocket the day your salary lands. Paydays on 25 October and 25 November? That is two paydays.
How do I avoid a broke January?
Before December starts, decide your January money for rent, food, transport and bills. Keep it away from your December spending. December salary comes early? Then January can feel like a five or six week month. Plan for that gap.
The starting amounts are examples to edit. They are not advice or survey prices. This is a planning tool, not financial advice.