January is one of the most stressful months of the year from a financial perspective. There are roughly six weeks between an early December salary payment and January month end. Within that period, many people spend more on gifts, travel, entertainment and ride-hailing than at any other time of the year - and frequently pay with credit. January brings not only the regular monthly bills, but, for parents of school- or university-going children, fees, uniforms and textbooks are added to the list. Shafeeka Anthony is Marketing Manager of JustMoney.co.za, a site that helps educate South Africans to better manage their money