By Dilvin Yasa: Source
On the second day of Christmas… Set a festive spending budget
Say no to kicking off a new year paying off extremely high-interest rates on credit cards, advises Tania Tonkin, Director of business and wealth management advisory firm, dmca advisory. “Set a budget for presents, stick to it and try to avoid putting anything on the card if possible,” she says. “Likewise, remember you’ve already spent a lot at Christmas, is it really a good idea to spend any further in the January sales?”