Haddenham Medical Centre
Scout & Guide Centre, Banks Park
Roman Catholic Church
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
Looking for an outdoor activity to enjoy on these bright Autumn days?Here's an option that will appeal to folk of all ages — a village walk with an intellectual challenge!A Treasure Trail has been created by Pam Harding and Myrtle White comprising a circular route around some of the older parts of the village with observational questions that are suitable for all ages. An interesting...
Haddenham Tennis Club is hosting another of its popular October Holiday Tennis Camps for 4-14 year olds from Monday 22nd until Friday 26th October. Established for many years, these offer excellent value for money from £12 half day and £20 full day, run by popular Club Coach Blaise and his team.The club also offers a full range of weekly coached and drop-in sessions for all ages...
It seems that there will now be two different Brown Bin emptying days, depending on where you live in Haddenham. You will have been allocated to Brown Bin 'Week One' or Brown Bin 'Week Two'. Take a look at the printed schedule that AVDC sent you to determine which one you're in.BROWN BIN — WEEK 1If your card shows that your first brown/garden bin collection date was...