January is the month when holiday overspending comes back to bite us all. I’ve been rich, I’ve been poor, and I’ve been destitute. Rich is the best option, I can tell you that from bitter experience of the alternatives.
My quick hints will help you focus on what needs to be done to keep your debt under control. Make sure you follow my blog, so you don’t miss a single episode.
DO open every letter, statement and email you’re sent. Keep copies (printing out emails, and keep them in a file), and write the date on them if it’s not already there.
DON’T hide any correspondence, don’t ignore reminders and never delete anything from your computer. However bad you feel now is nothing (believe me, nothing) compared to how you’ll feel when your unsuspecting OH opens to door to the bailiffs.