HOME & GARDEN How to sort that


Christmas debt F


OLLOWING a frivolous festive sea- son, more than a few of us will be


pinching our pockets for the start of the year. However, there are ways of getting back in control of your finances after the Christmas indulgences. Draw up a sensible monthly budget for your New Year spending. Make a list of all of your necessary monthly payments and expendi- tures and make sure they are covered by your monthly income. Have one primary credit card and use it only


for emergencies or major necessities. Put your credit card away in a safe place, not available for everyday use. Also cut up store cards – these carry very high rates of inter- est. With the credit card safely tucked away it is also time to cut down on luxuries and un- necessary expenses. It may sound obvious, but small things like bringing lunch to work rather than eating out, or using your mobile phone fewer times can make a definite dif- ference towards cutting outgoings. Before you go grocery shopping, write a list of eve-


18


h o u s e h o l d t i p s


Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30  |  Page 31  |  Page 32  |  Page 33  |  Page 34  |  Page 35  |  Page 36  |  Page 37  |  Page 38  |  Page 39  |  Page 40  |  Page 41  |  Page 42  |  Page 43  |  Page 44