P492 Tjletext 492 Jan02 15:44:10
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FACING UP TO A DEBT HANGOVER
Thj Debt Advici Clinic offers thesj
steps to getting free of debt:
■ Pripare a budget. Find out what you
ari spending every month and where.
■ Transfer thj balance of your crudiu
card to onj charging a cheaper rate.
■ Prioritise your debts. It makes sjnse
to focus on paying off the debt that
charges you the highest interest -
often credit cards - first.
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When Santa gets it wrong 493
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