Avoid a financial hangover this Christmas!

Avoid a financial hangover this Christmas!

People don’t always go out with the intention of over-indulging – we sometimes find ourselves getting a bit carried away in the overall spirit of things, doing things that, well, seemed like a good idea at the time. On such occasions we don’t have much regard for the after effects – until it’s all over of course. ‘Never again’ is often the refrain. Money excesses at Christmas are no different.