NB: St Mary's Church
Bernard Hall, Cuddington
Hartwell Garden Centre
By The CAB - 4th December 2012 1:01am
Avoiding the Christmas Debt Trap
Advice for the Citizen's Advice Bureau
Christmas is a time of giving, but you don't want to give yourself a New Year debt
hangover with credit card bills and loans you can't afford. Our top tips can help you
stay out of the red and in control of your spending:
Be realistic and budget accordingly. Work out how much you are going to spend on each person — and stick to it.
Remember that rent, the mortgage, utility bills, food bills and other existing debts still have to be paid — and the consequences can be severe if they're not. Even though it's Christmas, get your priorities right.
If you do need more money, don't just run up an overdraft without talking to your bank first — it will work out much more expensive.
If you can afford to pay for your goods outright by cash, cheque, or debit card, don't be persuaded to take out extended credit agreements unless they really do work out cheaper.
Shop around for the best price. Buy what you want and not what other people say you need.
Whatever the deal, whatever the temptation, don't buy from unauthorised traders and don't borrow from unauthorised lenders.
Check for hidden extras in any credit agreement. Work out the total amount payable and ensure that the monthly instalments are within your budget before signing.
If you've borrowed money don't forget that it won't be long before you have to make a payment. Make sure you pay on time, even if it's only the minimum, or you will be faced with additional charges. Put the payment dates in your diary.
For more information on managing your money and dealing with debt, visit the Citizens Advice website
Adviceline: 08444 111 444
or 03 00 33 00 650 (Mobile)
Your nearest Citizens Advice Bureau is in the Market Square, Thame
popular recent storiesAlso in the news
Bucks County Council has announced that work to resurface the Stoke Hammond and Western Linslade Bypasses (A4146) will start on Monday 13th August.The £4.5 million investment in renewing the five-mile dual carriageway surface will take around eight weeks.The work involves removing the entire surface course, which has a number of surface defects, and, in areas where investigations have...
Robyn Thorogood, Volunteer Manager of Snakemoor, reports that grooming has been carried out at our local nature reserve in the last few days.Kevin (the village handyman) has cut the orchard and pond bank. Also, with his usual care and thoroughness, Michael Whitney has cut and removed the grass from the meadow using his tractor and Snakemoor attachments. Another good job...
We are delighted to announce that the Richborough Estates' appeal, challenging AVDCs refusal to provide planning permission for a development opposite Rosemary Lane, on the east side of Churchway, has been dismissed!This follows the hearing held in Aylesbury on 4th & 5th July 2018 and a site visit made on 5th July 2018 by A Jordan BA(Hons) MRTPI, an Inspector appointed by the Secretary of...