ur final piece of advise is to tell you not to forget about
January. A little bit of extra planning will ensure you are not struggling in the first few months of next year.
19
Always keep January in mind!
Employers often tend to pay December salaries early so you could have to wait up to six weeks until the next pay cheque.
The advise in this guide will definately help you have more cash, but dont blow it and leave yourself short before you next get paid!
20
Clear the credit card
If you can’t clear your post-Christmas credit card bill try shifting the debt to a 0 per cent balance transfer card in January.
You can get interest free on balance transfers for up to 28 months, meaning you can easily plan how much to pay off each month, without adding to the total.
Just be aware though that there may be a percentage fee to transfer the balance at the start, and if you miss one payment you will have to pay interest again - so make sure you set up a Direct Debit to pay it off.
creditcardlocator.co.uk lists all of the best Balance Transfer cards and shows the advantages of each on one simple page.
4. JANUARY
O
These 20 tips will definately ensure that you WILL have extra money in January. It may even be enough for a little get away from the January Blues!
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12 Christmas Money Saving Guide 2013