Do you reach January, contemplate the debt built up over Christmas and wish you had planned your finances more effectively before the festive season?
If so, these tips are for you. Debt charity, StepChange, is offering guidance on how to prepare your finances in the lead up to Christmas to minimise the financial stress afterwards.
Starting a new year with a debt hangover is not ideal but the charity warned January is its busiest time of year. Meanwhile, research by StepChange found more than one in four people said they would struggle to afford Christmas.
Vikki Brownridge, CEO of StepChange Debt Charity, said: “When money is already tight, it can be very easy for small extra costs to add up and for people to turn…