If you've spent more than your budget can cope with, then maybe you're thinking about credit to help you through January. Many people fear the long, broke month of January. After a lovely Christmas full of joyous smiles January can see a mood swing in the wrong direction. Many of us turn to credit cards to help get through this terrible month.
Expert Author: Mike Hanna | Category: Dating Cynics say that Valentine's Day is a fallacy invented by the greeting cards industry to increase our overdraft, just in case the Christmas credit card bill is starting to subside. Arguably the worst thing about Valentine's Day is hitting the shops, usually at the last minute, to join everyone else in a manic search for a tasteful gift. If the thought of Oxford Street on 13 February makes you feel ill then sort out your Valentine's Day gifts by shopping online this year.
Why not let someone else worry about Christmas and New Year this year and book a last minute stay in a hotel over the festive period. Forget about buying the food, cooking the dinner, washing it up or organising the New Year party - just relax and concentrate on spending time with your loved ones. It's not too late to down tools - short break specialist Superbreak still has availability for those wanting a real rest this year.
Unless you have the dubious pleasure of living right next door to an airport one of the biggest downsides of going on holiday is catching a flight at an ungodly hour of the day. While driving half asleep at 4.00 am, with a nagging doubt you have forgot something may be some holidaymaker's idea of fun - for most it sounds like a bad way to start your holiday.
Imagine the scenario: you've just had a nice Christmas. Your kids are all happy when returning to school to see their friends and tell them what santa brought them. You're happy, because although you've spent a lot on the kids, you've kept a nice amount of savings to do you over the cold and often depressing January that follows. Then, when you try to pay your bills that month you're hit by a bolt out of the blue - you have insufficient funds!
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