I can’t pay for Christmas!

On December 31, 2010, in News, by Lewis Alexander
  • That’s it.
  • Christmas is over, all left-overs eaten and as part of the new diet regime you have thrown away the last of the chocolates, but now all is said, done and eaten, there is only one thing left to do… start paying off the Christmas bills that were charged to your credit cards!

free credit report UK from ExperianWhen times are tough and income is tight, using credit to pay for the holiday period really is an easier thing to do than you may expect.  You start October promising that this years’ Christmas is going to be on a budget, but then you see the decorations in the shopping malls, the children’s letters to Santa (that happen to resemble the entirety of the Argos catalogue!), that added bit of peer pressure and before you know it, you’re all set for another bumper Christmas spend.

  • Now it’s January and time to pay for it all, but you realise that this is easier said than done.
  • Identify with this kind of situation?
  • Then read on!

Sat at the kitchen table with your present receipts and your credit card balance can be a bit of a seminal moment, but all is not lost!

Firstly take a look at your Christmas present loot!  Every year there are millions of unwanted presents that are gifted and there is a good chance that you may be the ‘lucky’ recipient of a pair of slippers, a Christmas jumper, or a perfume whose smell reminds you of filling up at the petrol station!  If that is the case, take a few minutes to look at whether you are able to return these for a cash refund (normally a purchase receipt is needed).

If not, and your item is still packaged, the wonders of ebay may also prove a great place to earn some much needed funds from your unwanted gifts.   By the time that you have added one or two other unwanted items from a post Christmas clearout you may have enough items to help you with some of those Christmas costs!

It is also worth sitting down to complete a review of the household expenses.  The end of one year and the start of the next is a great time to complete a financial review or financial health check as many people start to make plans for the coming year.  Identifying any luxuries that could be cut out from your household budget or other unnecessary personal expenses could free up some much needed cash to help pay these dreaded bills.  In any case, there is no point keeping that gym membership or satellite TV subscription if you simply aren’t using it!

Having completed a full review of your financial situation, if you still think that paying off Christmas is going to be an issue then don’t worry, help is at hand! One free call to the Debt Management specialists at Lewis Alexander could help sort your financial life.  Our lines are open 24 hours a day using 0800 018 6868, advisors can listen to your individual circumstances and complete a financial healthcheck prior to advising on appropriate financial solutions.

For some homeowners a secured loan may be the best option, for others entering into a debt management solution or even an IVA (Individual Voluntary Arrangement) can offer the best solution, however our specialists will ensure that the solution they offer to you best suits your circumstances.

Being in debt can add additional pressure to an already stressful lifestyle, but having a clear defined plan to move you out of this position can make a massive difference to the reducing the weight you feel on your shoulders.  Our specialists are experts in dealing with people from a variety of different backgrounds with a range of different debt problems and your call will be dealt with in the strictest of confidence.

  • One free call can make a massive difference to your financial situation if you are prepared to action the help available, so call Lewis Alexander free on 0800 018 6868. Call now!
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Worried about Debt this Christmas

On December 5, 2009, in News, by Lewis Alexander
  • Personal debt causes a lot of pain due to worrying.
  • It’s a major cause of tremendous family quarrels and arguments.
  • It can cause huge upheavals in family and friendships as well as your place of work.

If you are worried about debt problems it can start to escalate very quickly and it almost feels as if it is out of control before it actually is.  The stress of debt can be very upsetting to anyone that is going through times of financial crisis or hardship.

This is not something that is a problem for only adults but it also affects the younger generations.  As times have become harder, many people have dipped into past savings to cope with the harsher economic climate and unemployment.  Increasing outgoings and money for basics such as rent, rates and heating are becoming hard to meet and find.

  • You may already be in a situation that seems to be getting out of control and you think that there is not much you can do to get yourself out of this debt trap.
  • You may be already feeling depressed and unable to sleep.

Let me tell you that even if you are in any of the situations above and as Christmas, the festive season is around the corner, you have many solutions that will make a real difference to the way you feel about yourself and your financial situation.

  • You can make one simple phone call to a professional who knows how to deal with your situation!
  • You may be going through phases of guilt and shame because of your financial status?
  • Professional counsellors have been dealing with these kinds of situations for a long time!

Worrying about your debt can take over your whole life and start you on a path of creating negative views and differing judgment on everything around.

  • All of a sudden the situation seems bleak, but there is help available!

Approach a reputable debt management company and you will be put at ease immediately.  The most difficult situation is to come to terms with the debt itself, ask for help, seek professional advice from people who have your interests at the heart of what they do, talk to them, and discuss your situation today in confidence.

Once you have made that initial contact you will find that things are not too bad.  You will certainly feel that you have the courage to deal with the problems and suddenly you can see a glimmer of light at the end of what seemed to be a long bleak tunnel.

  • Are you lying awake at night worrying about debt problems with Christmas just around the corner?
  • Have you been wondering how you will cope with trying to keep the children happy over the Christmas period?
  • Find yourself getting angry with you and the people around you?
  • Are you feeling depressed and feeling that you are all alone in debt?
  • Stop… Make one free call now!

Take a look around a few of the best debt management companies, spend a few minutes and check out their credentials.  Make a simple phone call and the hardest part is finally over. Your advisor will have a confidential chat with you to see where they can help and with what solutions.  Always remember that you need to take action to help yourself make the decisions that may seem difficult initially and start making adjustments to your own lifestyle and expenses.

Lewis Alexander Financial Management offer a first class personal Debt Management Service, nationwide throughout the UK.  We are based in Manchester and we have helped thousands of client’s in our history.  We employ specialists who concentrate on debt management and loan consolidation and we have been looking after a great number of our clients for many years now.

Contact Lewis Alexander online or call them using UK personal debt helpline 0800 018 6868, lines are open 24 hours a day, 7 days a week and your call is free.

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