{"id":689,"date":"2013-12-13T14:57:47","date_gmt":"2013-12-13T14:57:47","guid":{"rendered":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/?p=689"},"modified":"2019-01-28T15:04:37","modified_gmt":"2019-01-28T15:04:37","slug":"in-debt-from-christmas","status":"publish","type":"post","link":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/in-debt-from-christmas\/","title":{"rendered":"In Debt from Christmas"},"content":{"rendered":"\n

I couldn\u2019t help myself. I just wanted to bring a little happiness to my family and friends. I didn\u2019t want my children to have to do without. We deserve a little happiness. Everybody overspends a little at Christmas. <\/p>\n\n\n\n\n\n\n\n

I didn\u2019t realise how much I was spending. Why do they give us credit cards if they don\u2019t want us to use them? I\u2019ll get my credit card debt<\/a> under control in the New Year.<\/p>\n\n\n\n

So what\u2019s your excuse? And do you really believe it? And does it matter any way?<\/h3>\n\n\n\n

The truth is that we all want to enjoy Christmas and if we have \noverspent \u2013 so what. It\u2019s our problem and we will find a solution \nsomehow. And we are not alone. Experts believe that six million of us \nwon\u2019t be able to pay our bills at the start of 2010, due to our spending\n at Christmas. That\u2019s about one in every ten men, women and children in \nthe country. Now, we cannot blame the children. Leave the children out \nof it and you could say that one in every eight adults in this country \nwill be in this boat.<\/p>\n\n\n\n

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

And it does matter, doesn\u2019t it? We do want to do something about it. \nWe want to grasp the nettle and get our finances under control. But a \nlot of us will struggle to do this. As many as three million of us are \nstill paying off our debts from the previous Christmas!<\/p>\n\n\n\n

Here\u2019s a thought! Instead of making a whole lot of trivial New Year Resolutions, why not make just one: \u2018I will deal with my debt in 2014<\/strong>\u2019.<\/p>\n\n\n\n

That feels good. So what do I do next? Can I quantify the problem? \nHow much do I owe? How much do I earn? How much do I need to live on if I\n really tighten my belt? Can my family help? Do I have any real assets? \nWill my creditors negotiate with me? Where can I get help? How much will\n that cost me?<\/p>\n\n\n\n

If you are still reading this short article, then it must strike a chord with you. And there is help available. A reputable Insolvency Practitioner<\/strong> (IP) will provide free advice on all of your options. Go to an IP for advice. Go to more than one IP. Compare their free advice. A reputable IP will look at all of your financial circumstances (and not just your credit card bills) and will advise you on all of the options open to you. You should incur no costs in obtaining this advice. Options include entering into an Individual Voluntary Arrangement (IVA), engaging in a Debt Management Plan\u00a0or even petitioning for your own Bankruptcy (BCY). There may be other options available as well. Choose the option you want to go with. The IP will spell out the costs of each option and how long it will take to resolve your debt problems. Keep your one New Year Resolution this year. You will feel better.<\/p>\n","protected":false},"excerpt":{"rendered":"

I couldn\u2019t help myself. I just wanted to bring a little happiness to my family and friends. I didn\u2019t want my children to have to do without. We deserve a little happiness. Everybody overspends a little at Christmas.<\/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":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-689","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\/689","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=689"}],"version-history":[{"count":2,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts\/689\/revisions"}],"predecessor-version":[{"id":781,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts\/689\/revisions\/781"}],"wp:attachment":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/media?parent=689"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/categories?post=689"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/tags?post=689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}