Don’t turn Christmas cheer into Christmas heartache!

Christmas can be an expensive time of the year and it’s all too easy to spend more than you planned to. Many people start the New Year with bills they are unable to pay and this reality quickly replaces the joy of Christmas with a feeling of worry and regret.

The biggest problem is credit cards. It’s easy to walk into a store with a particular budget in mind only to walk out having spent far more than anticipated. Once bitten by the Christmas bug, spending can get out of control.