December and January, are marred with two different emotions one having the it's all right I've got this, with out caring how much you have. Mean while January has a closed fist and calculative approach at every penny about to leave you hands. I am for the thought of having a separate amount carefully raised to get and give the family what it needs and deserved but not waste what funds that are ment for the real development. Like crypto fear and greed play a roll. So do some emotions in December and January
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You're right about January and December intertwining when it comes to spending, emotions and irrational actions. That beginning and ending syndrome is always playing a huge when it comes to spending. Hopefully people can learn more.
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Well if it were that easy..I feel marketing also has is place on people's December psychology. It takes a lot of mental strength and discipline to overcome or deal with things in moderation