January
can be a month for reflection. It can prompt new beginnings. The new
year often inspires resolutions and change. It can be a month of
hope.
But
it can also be a difficult month. The excitement and seasonal joy of
December and Christmas is gone. Without Christmas cheer the
temperamental, harsh winter weather can dampen spirits. With many
people having being paid before Christmas - a week earlier than
normal - the month is a long one financially.
Not
only does the extra time between paychecks put a strain on our bank
balances but the expense of Christmas can also have a negative impact
on finances. Many people are left struggling with debt that they have
built up over Christmas and festivities surrounding the holiday
season.
