Shaping up your finances in the New Year

Are you suffering the effects of the Christmas credit binge? Do you feel as though tightening your financial belt is starting to leave you breathless?  You are not alone.  Many people over spend and under budget in the pre-Christmas period leaving them feeling flat and broke in January.

Our top 3 tips for moving forward and regaining control are: 1) Get Real – have a look at what you have spent, quantify it, write it down, put it in a spread sheet, allow yourself to see where you are at, 2) Plan It – what are your options to increase income or decrease spending, how will the repayments be made, set a timeframe and 3) Get On With It – put your plan into action and reassess where you are trying to go regularly.  Get yourself in a better position to really enjoy Christmas this year without overdoing it!