01223 315036Top ten tips for a debt free Christmas
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Plan Early - be realistic and budget accordingly. Work out how much you are going to spend and stick to it.
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Pay every day bills - such as your rent, mortgage and utility bills. The consequences may be severe if you don't.
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Don't bank on an overdraft - if you need more money talk to your bank as it may be more expensive if you don't.
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Keep things simple - pay by cash or cheque if you can, and don't be persuaded to take out extended credit arrangements unless they really are cheaper.
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Shop around - to get the best price, but be wary of extended warranties as the cost of a repair may be less.
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Buy safe be safe - don't buy from unauthorised dealers or borrow from unathorised lenders.
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Read the small print before signing - and check for hidden extras, and ensure the repayments are affordable to you.
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Do your own credit checks - by shopping around and comparing terms.
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Be organised - make sure you pay bills on time, even if its the minimum.
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Start planning and saving for next Christmas - review what you did well and what didn't work out so well.