With the festive season behind us, many South Africans have detoxed their diets and decluttered their homes, but one area is quietly being ignored: financial clutter.

Research shows that it typically takes households up to three months to recover financially from December, as many rely on credit to survive the “January Creep” until their first full pay cycles stabilise. Ralene Grobler, Financial Adviser at Momentum Financial Planning unpacks how listeners can perform a practical financial detox for 2026. Kaya FM