DrumchapelcitizensadvicebureauCitizens Advice BureauTOP 5 TIPS FOR A DEBT FREE CHRISTMASWork out what you can affordBefore you start your seriousChristmas shopping, sit down anddo your sums. Have a budget andstick to it.If you have to borrow,be savvy about it.How much can you actually afford toborrow and how/ when will you pay itback. Don't forget, January can also bringbig gas and electricity bills so be prepared.Find the best dealIf you need to borrow, alwayslook for the best deal. Avoid highinterest loans and always check thesmall printAvoid Store Cards andBuy Now Pay Later' dealsIf you think you've over-spent, get help!Christmas shopping is not an exact science, and we're all human. Even if youWhile shopping, don't get hooked by apparent bargains.follow steps 1 to 4, you may still find you have over-spent your budget. The firstStore cards are often just an expensive form of credit. rule of debt management is: the earlier you spot the problem, the easier it is toRemember, if it looks too good to be true, it probably is. solve. So as soon as you think you've overdone it, come and see us. Whatever youIf you can pay by cash, do that.do, DON'T EVER take out another loan to pay of your existing one.Call today for debt and money management advice 0141 944 2612195C Drumry Road East, Glasgow G15 8NSCharity Number SC015207QUALITY ISOSCOTTISHNATIONAL STANDARDS CERTIFIEDiso

Date: 13 December 2017

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Drumchapel citizens advice bureau Citizens Advice Bureau TOP 5 TIPS FOR A DEBT FREE CHRISTMAS Work out what you can afford Before you start your serious Christmas shopping, sit down and do your sums. Have a budget and stick to it. If you have to borrow, be savvy about it. How much can you actually afford to borrow and how/ when will you pay it back. Don't forget, January can also bring big gas and electricity bills so be prepared. Find the best deal If you need to borrow, always look for the best deal. Avoid high interest loans and always check the small print Avoid Store Cards and Buy Now Pay Later' deals If you think you've over-spent, get help! Christmas shopping is not an exact science, and we're all human. Even if you While shopping, don't get hooked by apparent bargains.follow steps 1 to 4, you may still find you have over-spent your budget. The first Store cards are often just an expensive form of credit. rule of debt management is: the earlier you spot the problem, the easier it is to Remember, if it looks too good to be true, it probably is. solve. So as soon as you think you've overdone it, come and see us. Whatever you If you can pay by cash, do that. do, DON'T EVER take out another loan to pay of your existing one. Call today for debt and money management advice 0141 944 2612 195C Drumry Road East, Glasgow G15 8NS Charity Number SC015207 QUALITY ISO SCOTTISH NATIONAL STANDARDS CERTIFIED iso