Countdown to Christmas – 16 Money Saving Days to Go

Remember, Christmas is for December, NOT January or beyond into the New Year.

So keep a close eye on your spending. If you haven’t got it to spend – you can’t afford it.

Never get into debt for Christmas!

Are you listening family?

It is said that the average person will spend £500 - £600 at Christmas, some in the thousands! – It’s madness. Why lumber yourself with debts just to give someone something they didn’t want in the first place?

I cannot believe that debt on a credit card paid off at only the minimum amount will take about 40 years to pay off – and some people are doing this!!! Not for me!