Don't give in to the pressure just days before Christmas

You’re nearly there – almost through the festive season – so don’t lose your nerve to avoid taking out payday lending before Christmas in the home stretch.

It’s been a long, long road to here if you’ve been trying your hardest to avoid crushing debt in the run up to Christmas. The onslaught of adverts has been positively ferocious this festive season, with payday advance lending giants such as Wonga campaigning long and hard for your custom, but you know you’ve almost gotten through to the New Year without falling into the trap of high interest rate short term loans – just another few days and you’ll be out the other side of it.


You’ve gritted your teeth and soldiered on quite admirably through the past few weeks when it comes to avoiding taking out payday loans in order to finance your Christmas shopping. It’s all too easy to access cash from a payday lender, but you know the consequences of taking out such a loan is crippling debt in just thirty short days when repayment comes due.

Scrimping and saving quite keenly for weeks or perhaps even months has paid dividends as well, as you’ve been able to put aside enough money to celebrate the season with your loved ones, and now you can see the light at the end of the tunnel – Christmas Day, just a few more sunrises away – but this is the time that you must become even more vigilant. Don’t let the imminent end of your trials lull you into a false sense of security, and don’t start thinking, ‘well I suppose a little loan won’t hurt at this point’ because you’ll erase all the excellent work you’ve done for so long.

hold on through the new year

Getting through Christmas is an excellent goal, but don’t forget that the festive season can typically last all the way through the New Year as well, and you may end up dodging one bullet only to fall prey to New Year celebration spending in the end. The young and energetic especially enjoy a night out on New Year’s Eve, and if you’ve got plans to go down to the local pub for a few pints with the mates that evening you’d better not overextend yourself if you want to avoid the type of New Year hangover that doesn’t go away.

No one likes to feel as if they’re depriving themselves of fun times, especially during the Christmas season and all the way into the New Year. However, you can be financially responsible as well as celebrate the festive season, as long as you keep your wits about you and don’t make any decisions you’re going to regret the next morning – or 30 days later!

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