January can feel overwhelming: school fees, rent, business restocking, and bills all hit at once. This article shows how Ugandans can start 2026 financially ahead — with actionable steps, smart borrowing strategies, and a clear plan to track spending and rebuild savings. Enter the year confident, prepared, and in control.
January places heavy financial pressure on households and businesses every year. From school fees and rent to restocking and delayed cash flow, the costs are predictable—but often unplanned. This article explains why January feels financially heavier and how early planning and responsible financing can help you start the year prepared, not pressured.
Every December, money feels available—until January arrives. What many Ugandans experience as “bad luck” in the new year is often the result of predictable financial mistakes made at year-end. From unplanned spending and rushed borrowing to poor business cash-flow planning, these decisions quietly create January stress. This article breaks down five costly year-end money mistakes and shows how to fix them before the new year begins—so you can start January prepared, not pressured.
