If there’s one thing better than a good Christmas, it’s a relatively debt free New Year. Of course, when it comes to Christmas spending, too many of us go overboard, thinking that if everyone else is maxing out their credit cards, it must be alright? Well, yes and no, because come January, everyone’s also living on dry bread and water. Here’s how to avoid this annual debt trap. Oh and we bought a house too!
I say a list of things every New Year: things that I will do and keep up. And I will keep them up. But I never do. Or not to the great extent that I imagined I would back in week one of the year. There are a list of a few things that I always think about doing and maintaining, namely exercise and diet comes into that equation. But there are also a few things this year that are “new” in terms of resolutions for me.