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How past presents can help insure your future financial health in 2010 - Scotland On Sunday
"THE party's over, and the cold light of January is now dawning. Hogmanay's thick head should have cleared, only to make way for another major headache; the financial hangover, which casts an even gloomier shadow over the new year.
Christmas excess can fuel a third of the personal insolvencies that arise in the first three months of a new year, according to accountants Grant Thornton, as credit-card bills hit the doormat, along with the biggest home heating demands of the year. But seize the initiative and it is possible to beat the January financial blues. Here are 15 ways to keep afloat during 2010. ..."
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