The festive season can leave more than just happy memories behind, with Christmas spending sometimes creating a financial hangover that stretches well into the New Year. This article explores the risks of using credit to cover post-Christmas expenses and the importance of understanding your financial position before a short-term solution becomes a long-term problem.

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Christmas is over, the decorations are coming down, and the credit card bill has arrived.
Sound familiar?

After weeks of presents, parties, travel and entertaining, January can be a bit of a financial shock. The money that seemed to stretch a little further in December suddenly has to cover the usual bills – plus all those Christmas expenses that haven't disappeared just because the holidays have.

For some households, the temptation is to reach for the credit card or a personal loan to get through the month.

But before you borrow your way out of a short-term problem, take a moment to think about where that borrowing could lead.

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