Your Money Must Also 'Detty': How smart banking saves you from festive season blues

If Detty December had a passport, it would have ‘Ghana’ stamped in it every year.

From Accra to Kumasi to Takoradi, from rooftop day parties to all-night raves, from concerts to brunches to the infamous beach hangs where nobody ever wants to go home, Detty December has become a national mood. A movement, a lifestyle, a soft-life declaration backed by good music, good vibes, and good people.

But let’s be honest: behind the glitz and the glow sticks, behind the shiny personalities and linen shirts, there is always that one thing threatening to embarrass you when you least expect it: Your money. Or worse… your inability to access it.

Every year, someone’s Detty December gets cut short because of one tiny financial hiccup. Maybe it has happened to you. If it hasn’t, take this article as a prophecy of prevention.

Here are the real-life December scenarios we have all seen, and how modern banking can save your street cred, your dignity, and your groove.

The ‘I Dey Come’ guy who realised he was cashless too late in the day

You’ve definitely met Abu Kayooyo: He’s dressed, smelling fine, snapping mirror selfies, hyping his boys:

“Chale, tonight we are on a mission to scatter!”

Then he reaches the gate of the event: a whole big-ticket concert, and the bouncer says, “Boss, it’s card or mobile payment only.”

His cash? Sitting uselessly in his pocket like a disappointed landlord.

Don’t be that guy. With your debit or credit card, you can glide through gates, kiosks, bars, lounges with no excuses, no delays. And if you are feeling extra smooth, just tap to pay and walk in like the VIP you secretly believe you are.

The Group Bill Split that turned into a United Nations summit

Picture this: great restaurant, amazing food, loud laughter, everyone living their best life. Then the bill lands like a plot twist. Suddenly everyone becomes an accountant: “Wait, I didn’t eat the calamari!” “Remove the extra drink!” “Who ordered the pizza with truffle oil? That one is not me!”

Save the chaos. With your bank App, you can send your exact share instantly – no long talk, no awkward negotiation, no one going home angry.

Plus, if you are the generous type, you can pay first and collect your refund peacefully later. No need for “Chale, remind me tomorrow.”

The Market Run before a party and the vendor who doesn’t have change

This one is always vibes and violence.

You buy coconut water, a stick of kebab, a fresh buba – then the vendor says:

“I no get change. Make I give you one more?”

No, please. With your card or bank app, you pay the exact amount; smooth, clean, sharp. No delays, no unwanted purchases no missing coins.

The midnight Uber wahala

You have finished jamming. Your knees are weak. Your voice is gone. Your charger died at the event, and you suddenly realise: Your mobile money balance is lower than your battery percentage.

But with your bank App’s in-app transfers or card payments, getting a ride becomes painless. Plus, digital receipts mean you will not be guessing why your money mysteriously vanished the next morning.

When the Bar is packed and you need speed

December pubs are war zones. The bartender is swamped. People are waving money like they are at an auction. But you! You’re relaxed, because you know: Tap, swipe or pay by app and enjoy the fastest service. Remember, you must trust your bank first to enjoy this.

While others are searching for physical cash, you are already biting into your pork chops like a responsible adult.

When you need to check your balance before you ‘Disgrace’ yourself

We have all made that dangerous December decision: “Let me just buy it. My December money will stretch.” But it’s always wiser to check your app balance before you find yourself washing dishes behind the counter (in spirit). If your banking App doesn’t allow you to check balances, move money securely, set spending limits and block your card if it gets lost while you are lost in the music, delete it TWICE. Your bank must activate your confidence.

Do you know the Real Secret to a Good Detty December?

Your money must flow as Freely as the Fun. Cash-only living is risky in the festive season. Digital banking is the cheat code. With your credit or debit card, your bank App, and all the digital tools available, you can party freely, pay easily, avoid embarrassment, and enjoy December the way it was intended: With peace of mind and premium vibes.

Because December is already stressful, your money should not be part of the stress. So as Detty December returns in full force, remember, party hard, yes. But bank smart. Your dignity (and your squad) will thank you.