Christmas is upon us and the turkey is indeed gettin fat.; however, can the same be said of our wallets at the time of year. We tend to focus so much on the giving of presents to our nearest and dearest we tend to lose sight of our finances and they tend to slip.

Many people after Christmas feel the pinch of heavy spending, You need to consider then ways of tackling the debt and how to get through the tough times accordingly.

1. Make a list of all your debts and prioritise those you need to pay off quickly.

2. If you are struggling with some debt, ensure that you maintain contact with the complanies you are in debt to.

3. Consider cutting back on some ‘essential’ items,  do you really need the full Sky package at almost 50 quid a month?

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