It is believed that the month of January has 62 days but not the 31 that's known on the calendar. This is due to the fact that most workers run out of money even before the start of January. The following are some of the reasons why the month of January is seen by most workers as a difficult month.
To start with, salaries are mostly paid by mid December to workers for them to 'enjoy' the Christmas with. Due to the 'give me something' attitude of Ghanaians, and the low income levels coupled with the high dependency ratio in the country, the average Ghanaian with an income of about Gh¢1500.00 will start begging for money even before the start of the new year if he receives his salary by 15th of December. Do you know the sad part of this?, by the 1st of January, the average Ghanaian worker would now have to turn into 'beg man' to survive for the rest of the month.
To add to the above, most workers in the country do not plan for their salaries properly. They don't have a budget for their money and makes little or no plan towards Christmas and New year celebrations. If you put aside just Gh¢200 per month for Christmas every month, that will give you Gh¢2200 by the end of November which is quite enough to supplement your salary in December and give you a better Christmas celebration.
Also, the total dependence on one source of income as against unlimited needs has created more misery for workers than happiness. It's a shame most workers in the country can not boast of a side business to help relieve them of the huge burden that they carry.
It's possible to have a good Christmas and still have a debt free January.
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