IF you overspent at Christmas, rest assured you’re not alone.
One in ten of us will still be paying off our festive debts in June, but you don’t have to be among them.
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Here are seven simple ways to get on top of what you owe.
1. FACE FACTS: Make a brutally honest list of all your debts and monthly repayments.
Include the items you MUST pay, such as mortgage or rent, utility bills, food and council tax.
Finally, work out your income and how much, if anything, you have spare each month to go towards debt repayments.
READ MORE ON TACKLING DEBT
This will show if you need to cut costs further,…
