The Christmas season is here, and for many, it’s a time to celebrate with family and friends, share in traditions and buy gifts. But in the excitement it’s all too easy to go overboard financially.   Maintaining financial health over the holidays might sound less festive, but it brings benefits that last well beyond the season. 

Our top tips for avoiding the ‘naughty list’ this Christmas:-

• Check that your minimum payments are being met on your credit cards – if you’re using them over Christmas this might need to be adjusted.
• Keep up your payments on any loans or credit agreements.
• Suggest a monetary limit on gifting so there’s  less pressure on the purse.  

Staying financially healthy means you have more options when it comes to choosing a new mortgage deal, choosing a new car loan and upgrading your phone on finance.

We’re not saying cut back on joy but finding ways to celebrate meaningfully within your means you’ll start the new feeling empowered instead of overwhelmed.  By staying mindful of your spending, you’re gifting yourself peace of mind – both now and in the months to come.

As mortgage specialist with years of experience we’re well equipped to advise you on first time buyer mortgages, remortgages with capital raising, specialist lending for complex incomes and landlord buy to let mortgages.  

We’re also specialist protection advisers for all your Life Insurance, Critical Illness Cover and Income Protection pay needs

www.mortgagesmart.uk

12a Market Place, Brackley, Northants NN13 7DP

Your home may be repossessed if you do not keep up repayments on your mortgage.  December 2024