Boohoo. The festivities of the Christmas period are over, and it’s hello to the daily grind after the long holiday. January’s the month where you’re thinking, “Oops, I overspent on Christmas presents, food and trips out.”
January can also be a great month to evaluate your money – your pay packet and outgoings – and make some changes so you’re a bit better off.
There’s no denying Christmastime is a big hit on our wallets – even for those who’ve actually budgeted for it. Shops are open constantly; adverts implore you to buy, buy, buy and spend, spend, spend while TVs blare about 50% sales here and 70% sales there. Sales are everywhere making it difficult – even fore the budget-conscious shopper – to succumb to the temptation of a decent bargain or two.