Repay your Christmas debts faster

PA

We all have those times where we stray into the red. For many people, this is the time of year when things go a little pear-shaped, and January's money is spent well before the salary cheque gets anywhere near our bank account. This doesn't have to be the end of the world, if we deal with it swiftly and effectively.

And there are five vital steps which will ensure you pay your debts off before they become a problem.