The Christmas decorations have come down, the festive fun is over – and having shelled out for presents/parties/travel (or all of the above), you’ve now got to make sure your bank balance stretches through the coldest, darkest and most depressing time of the year.
It’s even worse if, as is the case for lots of companies, December payday came early (and to think it seemed like such a blessing at the time).
So, how do you survive January without going into the red? We asked personal finance experts for their advice….
