Holiday Debt

[Dogtective]

If like many holidaymakers, you'd rather enjoy the sun, sand, sea and shops than worry about money then you are not alone. A recent survey has revealed that we spent a massive nine billion pounds on joy and fun during this year's season in the sun. We have created a mountain of debt to which we just keep on adding. Christmas comes, little Joey gets the latest Sony PS, one of those huge trampolines (everyone's got one), a new PC, walkman, a mobile and we splash the cash again. So the mountain of debt gets steeper and taller and we ignore it because it's�. the New Year and we can start afresh... Yeah right! Well isn't everyone in debt in January and February? Anyway can't think about money just now - we're planning our holiday!! (Being at the beach gives us the chance to really stick our heads in the sand.)

Being in debt is not a problem in itself; virtually everyone has some level of debt. However, it does become a problem when you start to live constantly outside your means or you compulsively buy things just because you like them. People in debt can be divided into two types: the needy and the greedy. A Price Waterhouse Cooper survey revealed that the debt problems of 82% of people were due to poor budgeting and not through circumstances, the most popularly perceived cause.

Easy tips to get yourself back on the straight and narrow; start valuing every pound you have in your pocket; don't let shops and holiday companies rip you off by charging extortionate prices; shop about - use sites like Holidaywatchdog to get the best deals and; NEGOTIATE.

We can help you if you are having problems with debt. You obviously don't have to give you proper name and private info � just post the problem.

Also if you found any great special offers or tips for saving money whilst on holiday let us know.

Woof!