If you go mad and overspend in December you’ve got the stress and worry of bills and debts you may not be able to pay in January.

Decide on a budget, and don’t go over it!  When budgeting be sure to take into account your normal everyday / monthly bills.

It’s easy to get carried away and stick it all on credit cards but unless you’ve done your research and checked the interest rates this can be a very costly option.  Interest free and credit agreements can work well – as long as you pay debts as they become due to ensure you don’t incur additional/penalty charges.

Admitting that you’re in financial difficulties and need help isn’t easy but early advice is key so we can advise on your assets and liabilities and what this can mean for you, your family, your income and your family home as well as other assets.

Call or email Kathryn Maclennan for a free, no obligation discussion to explore the best options available to you.