If you're like most people, you spent a little more than you had planned over the holidays.
After spending your budget, there is always another must have item demanding to be bought. That leaves you with unplanned debt on top of your already larger-than-should-be debt. What to do?
The fastest and easiest thing to do is to take a look at your cash management. Yep, that means revisiting your old pal - the budget :) It's time to hunker down and face your finances. Find out what your current account balances are, how much you owe and an update on how much you are bringing in. Now take a look at where you can tighten the purse string strings just a little to make up for the over-spending.