January has been considered as one of the toughest month economically for many middle class and poor people. However, we provide five simple ways of surviving in the month: 1. Work online This is the simplest side hustle that you can have especially on websites such as i-writers, academician, p-writers among others. 2. Avoid over indulgence During festive season there is an urge to misuse money in parting and impulse buying. Kindly avoid this habit at all cost. 3. Saving Start a saving plan from January for festive and holiday period. 4. Betting Invest by risking with online gabbling companies such as betin, sportpesa, betway, betpawa among others 5. Live within your mean As it sound weird; avoid stress by living within your income. Avoid taking your children to expensive schools, live in an affordable house.