The National Credit Regulator (NCR) says as consumer are spending during the festive season, they should bear in mind that the new year comes with its own expenses such as school uniform, school registration fees, transport costs and many other costs. Acting Manager for Education & Communication at the NCR, Jimmy Golele warns that if one fails to plan and spend wisely during the festive season, they will find yourself cash strapped in the new year. Elvis Presslin spoke to Acting Manager for Education & Communication at the NCR, Jimmy Golele