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The Debt Counsellors Post-Christmas Debt Help Plan
The Debt Counsellors present a three-point Debt Help Plan for those in debt after Christmas.
(PRWEB) January 9, 2006 -- A post-Christmas Debt Help Plan has been drawn up by the Debt Counsellors to help anyone worried about their financial excesses of the festive period.
The Debt Help Plan, built around three basic steps, is as follows…
General Economising:
Those in debt should list their outgoings over a month and compare the total with their income. Then they can see if they are spending more than they can actually afford. If they are, they need to trim off the unnecessary expenditure.
Credit Card Debt Assessment:
At this time of year many people have overspent on their credit cards and are struggling to meet repayments.
Where this is the case, the credit cards should be cut up and a realistic plan to pay them off should be worked out. Even if the credit card debt is manageable, it is always worth looking around the market for cards with better interest rates. If and when these are found, the balance should be switched.
Sensible Spending:
Those in debt should stop borrowing to buy unless it is absolutely essential and should make a vow to only spend what they can afford. It is much better to save for luxury items than to build up debts to pay for them.
John Porter, a senior counsellor with the Debt Counsellors, says the three-point plan represents an effective first step to clearing debt after Christmas and staying out of trouble.
“These are basic rules to follow to stop debts getting out of control and it’s essential at this time of year that people get to grips with their spending," Porter says. "If someone has overspent in the name of a merry Christmas it’s forgivable, but they should rein in their spending to ensure next Christmas isn’t a miserable one. Our simple three-point Debt Help Plan can help with that but as ever, those worried about debt should seek professional help.”
Debt Counsellors offer free, confidential advice for anyone concerned about debt. See http://www.debtcounsellors.co.uk
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