Certified Financial Planner professional, Matt Hern has three times been awarded as one of Australia's Top 50 Financial Planners by The Australian Financial Review Smart Investor. He is passionate about guiding you on the right financial choices to achieve what you really want. Matt Hern is an Authorised Representative of Charter Financial Planning Limited AFSL 234665. All information is general advice only.

One response to “Avoid the Christmas and New Year Debt Hangover”

  1. happyspirit

    Some good tips. I agree with your point about making a budget for Christmas. I make a list of all the things I need to buy including presents for people.

    If you make a list and know what you are going to buy for each person, and you don’t deviate from the list, it helps with budgeting and stops overspending.

    Money worries at Christmas do not make for Happy Christmas

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