{"id":2643,"date":"2014-01-08T17:02:17","date_gmt":"2014-01-08T17:02:17","guid":{"rendered":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/?p=2643"},"modified":"2019-02-21T09:18:49","modified_gmt":"2019-02-21T09:18:49","slug":"debt-after-christmas","status":"publish","type":"post","link":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/debt-after-christmas\/","title":{"rendered":"Debt After Christmas"},"content":{"rendered":"\n

It\u2019s 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.<\/p>\n\n\n\n\n\n\n\n

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.<\/p>\n\n\n\n

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 \u2013 the much loved but also much dreaded credit cards? <\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

Prevention is better than cure so at the risk of being labeled a \nparty pooper, let me dare to suggest cutting up your cards this \nChristmas and buying only what you can afford for cash? Remember last \nChristmas \u2013 how long did it take to clear the bills? Perhaps they are \nnot cleared yet. If you find that you are in financial difficulties and \nunable to pay your debts as they fall due, perhaps you are actually \ninsolvent. If you are then another Christmas spending binge will not \nhelp.<\/p>\n\n\n\n

Take time out now to check if you are insolvent. It should cost \nnothing to consult with a reputable Insolvency Practitioner (IP), who \ncan quickly assess if you are indeed insolvent or not. If you are, the \nIP can provide advice on all the options open to you, again at no cost. \nIf you are not insolvent, then Happy Days! You can proceed to plan and \nenjoy Christmas with all the abandon of youth \u2013 well almost all! And \nJanuary can be a month to look forward to and not dreaded.<\/p>\n","protected":false},"excerpt":{"rendered":"

It\u2019s 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.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-2643","post","type-post","status-publish","format-standard","hentry","category-general-debt-articles"],"_links":{"self":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts\/2643","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/comments?post=2643"}],"version-history":[{"count":3,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts\/2643\/revisions"}],"predecessor-version":[{"id":2687,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts\/2643\/revisions\/2687"}],"wp:attachment":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/media?parent=2643"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/categories?post=2643"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/tags?post=2643"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}