Christmas was lovely, wasn’t it? All the decorations, the excitement, the warmth and joy of spending time with loved ones – not to mention the food, the drinks and the presents!But all of that “loveliness” comes at a cost – and one that most of us have to face in January. I don’t know about you, but looking at January’s credit card bill is one of my least favourite annual activities.So how can we stop every year being the same cycle? This article will help you to refresh and reset your family finances.

Here are my 3 top tips to make next Christmas less “draining” on your bank balance:

Tip one: Play Christmas BINGO

January is a prime opportunity for playing games – let’s face it; it’s dark and wet; and no-one’s going “out” to socialise – so BINGO is a way of whiling away the hours.
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