It’s that time of year when everywhere we turn there are sales on; in the high street, the retail parks, supermarkets, on-line. But are you resisting the temptation to buy lots of things you don’t need, just because they’re on sale?

I guess we probably all have credit cards and/or bank accounts that are trying to recover from overuse in the lead up to Christmas, so when it comes to “The Sales”, we must be extra careful we don’t overextend ourselves by buying things we don’t need and can’t afford…even if they are going “cheap” in the sales!

So I hope you’ve managed to find some bargains in the sales, but also that you haven’t overspent in the last month or so, so you are still able to make ends meet when all your bills come in.

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