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Debt After Christmas

It’s almost that time of year again when thoughts turn to Santa Claus, family re-unions, getting together with friends and the innocent joy of children.

Those of us who are a little old fashioned will send Christmas cards to friends and family while others will choose to send greetings by e-mail or text.

The feel good factor will return to dispel all thoughts of recession. But what about those other cards which seem to bloom and blossom at Christmas time – the much loved but also much dreaded credit cards?

Prevention is better than cure so at the risk of being labeled a party pooper, let me dare to suggest cutting up your cards this Christmas and buying only what you can afford for cash? Remember last Christmas – how long did it take to clear the bills? Perhaps they are not cleared yet. If you find that you are in financial difficulties and unable to pay your debts as they fall due, perhaps you are actually insolvent. If you are then another Christmas spending binge will not help.

Take time out now to check if you are insolvent. It should cost nothing to consult with a reputable Insolvency Practitioner (IP), who can quickly assess if you are indeed insolvent or not. If you are, the IP can provide advice on all the options open to you, again at no cost. If you are not insolvent, then Happy Days! You can proceed to plan and enjoy Christmas with all the abandon of youth – well almost all! And January can be a month to look forward to and not dreaded.

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If you’d like more information on other sources of free debt help and advice you can visit MoneyHelper – an organisation, backed by government and set up to offer free and impartial advice to those in debt. - Click here to visit MoneyHelper