Power Up My Profile (PUMP)! Get your LinkedIn Profile up to All-Star status and optimised to bring you new connections and more business - book in now!

Networking in Surrey

Did you overspend this Christmas? Financial Survival Tips.

Did you overspend on your credit card this Christmas? Is the New Year bank balance filling you with dread? Don’t panic! Here are my survival tips for 2012.

  1. Don’t ignore the post and leave your bank or credit card statements unopened. The last thing you should do is bury your head in the sand and ignore your finances.
  2. If you are having trouble paying off your credit cards, are overdrawn or struggling to pay the mortgage, talk to your lenders and arrange to pay at least something off each month. The worst thing you can do is ignore these people, that’s when they start to get shirty with you. Talking to them is by far the best option.
  3. Don’t be tempted to take out high interest, short term loans. You will end up paying well over the odds in interest. It simply isn’t worth it. It’s vital to budget sensibly. Work out your income and outgoings and set a budget. Create a list of regular bills that you have to pay so you know what the score is.
  4. Check your credit rating. You can do this very easily on line , free of charge, at www.creditexpert.co.uk
  5. Get rid of any credit cards you don’t use or need or are tempted to overspend on. Only use a credit card if you can pay it off at the end of each month.
  6. Avoid the sales. Don’t be tempted to go out and spend yet more money on items you think you need just because they are cheap.
  7. Check your utility costs and shop around if you think you are paying too much.
  8. Open a savings account and aim to put a small amount away each month. You could even start to save just a fiver a month towards next Christmas so you are not paying out huge amounts on one go. Planning  and budgeting is key to managing your finances.

------------------------------------------------------------------------------------------------------------

For further information on how to manage debt, check out the One Stop Financial Security website at www.osfs.co.uk or call 07768 197507.

NO HASSLE, NO OBLIGATION - JUST FREE DEBT ADVICE AND HELP.

Views: 25

Comment by Jane Hardy on December 30, 2011 at 6:42

To download my FREE 'What Are My Options' document for further debt advice and information, please go to http://www.osfs.co.uk/index.php?page=contact-us 

Add a Comment

You need to be a member of Networking in Surrey to add comments!

Join Networking in Surrey

Member Sponsors (Links)

These NiS MEMBERS help us keep NiS free for you! Click the ads for info and offers...

Power Up My Profile (PUMP)! Get your LinkedIn Profile up to All-Star status and optimised to bring you new connections and more business - book in now from just £19!

Meet David Reavely on NiS...

With a diploma in nutritional medicine, PE teacher turned Food Detective’ Dave Reavely detects food intolerances and identifies how your diet and lifestyle affect your health, weight and fitness. Click for details

Meet John Gower on NiS...

Local Networking Works! Start boosting your business TODAY... Please click the ad for details

Meet Keith Grover on NiS...

Zoom is Booming and here to stay. Get up to speed fast with using this powerful platform for meetings, training and networking events

Meet Tracy Hampton on NiS...

IT Administration & Project Management, Asset Management, Helpdesk Software,Website hosting, Design, Backup, Security and SEO - for all the IT Services your business needs, please call Tracy to talk it through, without obligation!

Meet David Simpson on NiS...

We are an established and professional outbound telemarketing company delivering all your telemarketing requirements whilst establishing a rapport & relationship with your customers.Call now, or email davidsimpson@msm-uk.co.uk

Read our free daily GLOBAL NETWORKING NEWS & TIPS...

Meet Keith Grover on NiS...MyTeam Network takes all your networking to the next level by addressing the space between meetings - it's 'joined-up networking for grown-up people'!

Become a Sponsor and promote your business by taking an ad  - seen by over 2,300 Members, 1,500 unique visitors  with 6,000+ pageviews every month...

"Thanks for getting Google on my side! It's  so nice when you can see a return on your investment."
Emma Selby Farnham Hub

Sean Usher Interviews Keith Grover Part 1 &2...

WATCH A VIDEO of Keith telling Sean Usher all about NiS

© 2020   Created by Admin.   Powered by

Badges  |  Report an Issue  |  Terms of Service