Today is officially Blue Monday – the most depressing day of the year. It is so called because this is the day when post Christmas blues, cold dark days and nights and all those Christmas credit card bills hitting the welcome mat combine to make people feel as down as they possibly can be. For most of us this is a feeling that soon passes, but if that Christmas debt becomes unmanageable, something you just can’t pay, then you may need to look at a debt arrangement scheme.
A debt arrangement scheme is a statutory debt management scheme that can help you to pay off your debts by giving you a longer period of time to pay them off, interest free. The payments are set at a manageable level that is realistic to your other incomings and outgoings, and may even write off some of your debt.
You can find DAS help and advice by contacting someone like Creditfix, who can answer any questions you have and hopefully offer some peace of mind. A debt arrangement scheme can help you to avoid bankrupcy and offers some respite from creditors.
Once you have your debt in hand, you should also make your money stretch a little further in everyday circumstances to try to avoid creating further debts. My mom always had a saying that ‘if you look after the pennies, the pounds look after themselves’, and this proves to be very true.
Here are a few of the things I do to save money.
1. Use voucher code sites. I always check a voucher code site before I make an online purchase. Free delivery, money off codes and information about sales are all useful ways to make your purchase cheaper. I also check for discounts when eating out – many restaurants offer deals when eating midweek, or during daytime hours.
2. Sign up for points cards and loyalty schemes. You can collect the points to save towards things you want, or for Christmas and birthday presents.
3. Sign up for newsletters for your favourite stores, this will help you gain information about upcoming sales and discounts.
4. Try budget supermarkets. I love Aldi, which is fabulous for the sorts of Mediterranean food my family love to eat.
5. Use online comparison sites like Kelkoo to compare prices. This is particularly useful at Christmas when shopping for toys and electrical goods.
Let me know if you have any other ideas, hints and tips.