Some industries close early in December, which is great for relaxing and re-cooperating, but not so good if you are paid by the hour or day. It can seriously impact how much you take home in December.
Similarly, January can be the same, with some businesses only opening a couple of days into the month.
How do you cover your costs when you are earning less?
One thing you can do right now, is figure out what you are going to need to make it through December. With that figure in mind, you can look at how much you are probably going to earn, and if you see that you will not have enough, you need to make some plans.
For example, you might try to set aside a little over the end of October and November, in advance, to help bolster your December income.
You might also make plans to do some small jobs or sell some things to make a little extra cash over that time of year. Line up those clients now, to ensure you have what you need, come December.
