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Snowed under with bills after Christmas?

Snowed under with bills after Christmas?

With all the demands of running a family, it’s hard to find the time to make a household budget, especially when money’s running low. Sitting down and creating a budget will help you take control of your money, before it takes control of you.

Budgeting can be simple – it’s just a matter of knowing what you earn, what you owe, and where your money is being spent. Why not try our quick and easy online budgeting tool here?

Setting yourself a budget doesn’t mean you have to cut out the family fun. Cinema tickets and play gyms can soon add up, but, get creative with your family time and you could find yourself saving money while having more fun. Let your children’s imaginations go wild and you could be enjoying a home movie night in a den, or a park playtime adventure.

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Debt reduction is a big goal for many families. Your first step in managing your debt could be finding out which debts you should prioritise above others and the various ways you can deal with your debt problem. For support contact StepChange, one of the UK’s leading debt advice charities on 0800 138 1111 or visit www.stepchange.org. If you’d like support with debt from Together Housing, text DEBT HELP to 66099 and one of our friendly advisors will be in touch.

Christmas is a time of year where spending can get out of control – kids want the latest toys, and everyone wants that picture perfect Christmas with a pile of presents under the tree. As a result, many of us are still paying for it now.

The New Year is a great time for reflection, and now’s a good time to reflect on last year’s Christmas spends while they’re still fresh in your mind. Was Christmas difficult to afford and you’re finding yourself short of cash now? Were all of those gifts necessary? Did you buy too much food and end up with waste?

It might seem like Christmas comes earlier each year, but now is a good time to set yourself a budget, and with a year of planning ahead of you, you’ll find it much easier to stick to it. If you’d like to soften the blow come next December, putting a little bit of money aside each month will really help with the cost of Christmas, and reduce the strain on your bank balance. 

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