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Author Topic: Merry Christmas (and a warning to investors)  (Read 70 times)
Lembo69 (OP)
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December 28, 2025, 07:12:43 PM
 #1

Merry Christmas to all.
In Nigeria, Christmas is a time for celebration and gift-giving. However, it is never wise for an investor to spend recklessly during this time. You should enjoy the joy with your family and relatives, but that joy should be within limits.

Sadly, many people spend a large portion of their emergency fund, regular income just for fun. This is not reasonable for a conscious investor. If you are too busy with the joy of the festival, that joy can become a source of regret later. Gift your relatives, enjoy the festival, but in a way that the expenditure does not affect your investment plans or financial stability. As I myself have spent money enthusiastically and felt stressed later. So my advice would be not to spend the money earmarked for investment for your joy...

Many people live far away from their families and travel to celebrate with their families on this special day. May God help you, may your journey be smooth. May your life path start anew with new hopes in the new year. Merry Christmas again.
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December 28, 2025, 08:27:18 PM
 #2

Sadly, many people spend a large portion of their emergency fund, regular income just for fun. This is not reasonable for a conscious investor. If you are too busy with the joy of the festival, that joy can become a source of regret later. Gift your relatives, enjoy the festival, but in a way that the expenditure does not affect your investment plans or financial stability.

I'll basically say it that Christmas is much more of expenses which everyone celebrating it would love to spend it in the luxurious styles but as a concious measure when live after the season has passed, it's also wise for investors to be careful of how they spends money.
Some are being too excited with how the neighborhood is booming with the celebrations and then spends even their investment funds, so during summer they find it hard to meet up their investment targets after spending unplanned during the holiday.

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Sobz
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December 29, 2025, 11:11:16 AM
 #3

Most people don't think about all this things when it comes to Christmas season,  they believe it is a tradition to celebrate Christmas in a very expensive way. But it is important to have the understanding and consciousness that Christmas will come and go and when Christmas ends what will be the way forward.  If yo have lot of things to do with money then their is no need in celebrating expensive Christmas that you can't afford.
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December 29, 2025, 01:53:10 PM
 #4

Merry Christmas to all.
In Nigeria, Christmas is a time for celebration and gift-giving. However, it is never wise for an investor to spend recklessly during this time. You should enjoy the joy with your family and relatives, but that joy should be within limits.

Sadly, many people spend a large portion of their emergency fund, regular income just for fun. This is not reasonable for a conscious investor. If you are too busy with the joy of the festival, that joy can become a source of regret later. Gift your relatives, enjoy the festival, but in a way that the expenditure does not affect your investment plans or financial stability. As I myself have spent money enthusiastically and felt stressed later. So my advice would be not to spend the money earmarked for investment for your joy...

Many people live far away from their families and travel to celebrate with their families on this special day. May God help you, may your journey be smooth. May your life path start anew with new hopes in the new year. Merry Christmas again.
Amen to your prayers, some people December salary are already gone for enjoyment and you wonder that they are thinking or their plans. By January they will start calling friends for assistance for their mismanagement. As investors you must learn how to cut your appetite, not everything you should involve in and not everywhere you should go learn to enjoy but always have a plan or saving for tomorrow, if anything happen to you, those people you're spending on will move on and when the need assistance they won't help you.

Have saved so much for the Christmas, I'm not an outing person, and I know those that I spend my money with, Those that will be there for me if I need them, that's the kind of people I hangout with. Have mapped out my next year plans already so I'm guiding my money .

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Tetu100
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December 29, 2025, 04:05:28 PM
 #5

Christmas is a time of celebration but it's wise to use your head while celebrating it otherwise you spend not knowing when you will shut down your entire life holdings all because of Christmas celebration. It is not that you shouldn't enjoy the season but it good to always be conscious of every damn you spend so as to know your limit.

Apart from investment things people are in form of that always spending recklessly and by January they start all over again and that's no progress as a man but rather rotating round a cycle that never end.
Cgrexp
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December 29, 2025, 04:48:18 PM
 #6

Festivals are essentially temporary and bring joy for a short period of time in life but the financial impact created by them can last in the long run. Therefore, it is necessary and realistic not to cross the financial limit during the joy. In fact, there is a need for joy in life but relying on security in the future for that joy puts you at risk. In this case, some separate money can be saved which can be used during the festival or any joy and for this you do not have to rely on emergency funds or investments. Festivals bring true joy only when financial and mental peace is maintained.

Cryptomultiplier
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December 29, 2025, 04:53:26 PM
 #7

As rightly said, this is the festive period where most persons travel to go be with their loved ones and may end up spending more than budgeted because of show of or just to prove a point that all is well with them, when really, it isn't so.
Apart from giving to family and close nit friends, there's also the pitfalls of over giving to others in the new location we travel to just because we want to get regards or win favor that isn't necessary.

It is of course wise to spend within limit and not overstretch our resources because January is a longer month than February and as we know in Naija, the expenses in January is way higher than it usually is in December. Plan well and use your brain.

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Silikiem
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December 29, 2025, 05:03:26 PM
 #8

Merry Christmas to all.
In Nigeria, Christmas is a time for celebration and gift-giving. However, it is never wise for an investor to spend recklessly during this time. You should enjoy the joy with your family and relatives, but that joy should be within limits.

Sadly, many people spend a large portion of their emergency fund, regular income just for fun. This is not reasonable for a conscious investor. If you are too busy with the joy of the festival, that joy can become a source of regret later. Gift your relatives, enjoy the festival, but in a way that the expenditure does not affect your investment plans or financial stability. As I myself have spent money enthusiastically and felt stressed later. So my advice would be not to spend the money earmarked for investment for your joy...

Many people live far away from their families and travel to celebrate with their families on this special day. May God help you, may your journey be smooth. May your life path start anew with new hopes in the new year. Merry Christmas again.

Spending money wisely is not only applicable on Christmas celebrations, although people tends to spend more during this Yuletide season but in all, there’s every need to be careful when spending our hard earned money. Don’t spend more than you can afford, spend according to your budget and base on things that are of priority to you. So many people put themselves in so much pressure during Christmas celebrations, they want to travel home in a big way to show people at home they’ve made it and at such they tend to spend on things which are not really necessary at the moment when the season ends, they are left with nothing and will start from scratch the following year. Most investors will go as far as selling off their bitcoin holdings to take money from there even when the time is not right for them to do so.

ArabBTC
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Today at 09:43:27 AM
 #9

It’s advisable to be prudent this period, no go do pass yourself, remember no one takes an award for being the best spender, hence don’t allow any pair influence to push you into spending so much this period because January is usually very long, avoid unnecessary show you really don’t need to prove any point to anyone to me all of that is not necessary.

Never spend this period to impress anyone, no be only you be Odogwu, just do what you can as an individual and move on, lastly this festive period is a time to be very careful, remember the the insecurity this last months and also remember that most of our security agencies will also be celebrating this period and won’t be on their full guard, also mind where you eat, what you eat and people you eat with. I wish everyone merry Christmas and a prosperous new year.
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Today at 11:24:49 AM
 #10

Most people don't think about all this things when it comes to Christmas season,  they believe it is a tradition to celebrate Christmas in a very expensive way. But it is important to have the understanding and consciousness that Christmas will come and go and when Christmas ends what will be the way forward.  If yo have lot of things to do with money then their is no need in celebrating expensive Christmas that you can't afford.
people who has bill to pay in January can celebrate their Christmas in a low key so that they will have money left to sort out their bills.
People would be celebrating Christmas extravagantly when they still have bills to pay and,m after the celebration ends ,would be over and they would start running around for where to borrow money. We can celebrate it in the church,praise and gives thanks to God, therefore the money kept for January bill would still be intact when the celebration is over.

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