Making sense of Hard times

Christmas is definitely over. Some would say, ‘I’m glad to see the back of it.’  Then there’s January - ‘the worst month on record in over 30 years’, a client quoted. Did you manage to keep a tight reign on your finances? Did you cutback? Taking care of No.1 this year has got to be a must, because if you don’t, who’s going to? Hard times and double dipping The reports say, Hard Times and double dipping are on the cards for 2011.  On a positive note: making sense of the financial madness is an opportunity to take stock of our own cash flow.  This you can do: make a conscious effort to distribute your money in a way that best serves you, not anyone else. At the moment, I sense the creditors will be open to negotiations for debt settlements, as announcements on the news state, personal insolvency increased in December 2010 to 135,089 compare to 2009. De-clutter tip So for this weekend’s de-clutter tip: roll up yourselves, get all those unopened letters and statements together.  Then give us a call next week and we’ll begin to makes sense of it all.  We’ll map out a plan for your future.  We help with mortgages, remortgaging, pension release advice, buy to letting nightmares, credit card and debt reductions.  We’ll get you organised for the months ahead. Regards Saleah saleah@moneyworkshops.co.uk http://www.moneyworkshops.co.uk/