January is here and now the Goose has settled and everyone is back at work, its time to have a look at the finances.

The credit card bill comes through and…….HOW MUCH!!!!!

If you have overspent the best advice I can give you is plan and prioritise. Sit down and look at exactly how much you will bring in, what you owe and to where. Prioritise your payments, i.e. Mortage first. Look around for another credit card that you can transfer some balance onto. If this has 0% for 3 months you can ease up on some of the repayments you will have to make this month.

My next bit of advise is analyse everything you spend… Do I really need to by this? Could I get it cheaper? Is there a cheaper alternative?

9 times out of 10 the answer wil surprise you.