Ah…. back to normality – home, school, bingo and pub. I always like the start of a new year. I really enjoyed the festive season, but there’s something invigorating about getting back into a routine. Sometimes with a few amendments, though!
New Year was great – we went to see Katie’s family and I got on with everyone like a house on fire. Very relieved about that! It’s the first time I’ve spent New Year away from my own family and friends, so I did miss them, of course – but it was nice to do something different, and good to see Katie on her home turf and find out more about her background. Her mum got out all the embarrassing childhood photos, of course. That was nice revenge, seeing as she’s already seen all mine!
We took quite a scenic route, on the train there and back… which was lovely. Not cheap, though. Don’t get me wrong – it was worth it, but I really need to keep my costs down for January. It’s incredible how expensive Christmas can be, in general, even when you’ve tried to have a cheap one. It’s things like the coffees you stop off for when Christmas shopping, or a bit of lunch – it all adds up.
I was already looking at debt consolidation loans before Christmas, but now I need to really get a move on and think about actually doing it. My debt isn’t very bad compared to a lot of people… it’s mostly from my university days and a few immature spending sprees when I first started working for a living and got carried away. But I still want to make sure I’m managing it properly. January is a good time for looking for loans and similar services, as banks have sales, just like everyone else!
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Tags: Christmas debt, debt consolidation loans, financial planning, January spending, new year plans, train travel