How was the Christmas period for you? Hectic? More expensive than you anticipated? Magical family time? Have you made any New Year’s Resolutions?
Last month my article ‘Crunching the Cost’ highlighted some factors behind the cost-of-living crisis we are facing and tips on things you can do to ease the impact and reduce your monthly costs. One key area in that article was budgeting, and undertaking a deep dive into your expenditure, questioning what you spend, and whether you can get things cheaper, or do you need to spend x, y, or z. Factoring in seasonal spending is critical, especially with Christmas, as it’s an expensive time of the year, no matter how much you must strip it back.
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