It is the silly season in more ways than one, and as people seek to make merry in the Christmas season, there are some among us hoping to take advantage of dropped guards and make merry at the expense of others. 

South Africans on the whole are notoriously known for a lack of a saving culture, a trait often lamented by economists and those concerned about this kind of matter. However, to the credit of ordinary folks, read the poor and working class, a tradition has taken root nationwide of people teaming up to save money they often withdraw during the festive season to meet various needs...