The 12 steps (or days) to sorting out your finances

By Dilvin Yasa

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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?”

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