Personal debt is growing
The Christmas decorations are once more gathering dust in the loft, the first daffodils are coming out and you get sweaty palms ewvery time you check your bank balance.
It's a traditional winter ritual for many, and the long nights are a perfect time to plan your way out of debt.
Personal debt growing
Figures from the charity Credit Action show that, as a nation, our personal debts grew by £1 million every eight minutes during 2008, with every household paying approximately £3,950 in interest during the year.
Get a free credit report with CreditExpert from Experian.
"Sorting out our debts would make 2009 a happy year for most of us," says Jim Hodgkins, managing director of CreditExpert.
"A good starting point is to take a look at your credit report. It will give you a general picture of the amount of credit you owe and how you are coping with the repayments. It may also be a useful reminder of accounts that you have been ignoring and can help you to assess where action is most needed. If you check it regularly, you'll be able to monitor your progress and have a better chance of staying on track."
Here are some more tips that will help you to overhaul your finances.
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