It’s Monday; and this week on Money Mondays, Xoli Zondo is asking the question we all low-key avoid: how do our festive spending habits come back to greet us in January?

December is for joy, gifts, food, and saying “it’s fine” a little too often... but January always keeps receipts. So Xoli is chatting to financial expert Thuli Magubane about what

really happens to our money over the festive season; and how our December decisions shape our January 2026 reality. And this morning, our Money Babies are on audit duty. Did their parents spend wisely, or did things get a little out of hand? Will it be Jan-u-merry... or Jan-u-worry?