Christmas can result in a plethora of bills piling up on your doormat in the new year – a most depressing sight after the fun and frolics of the festive season.
With the recession failing to have a significant impact on how much money we spend on presents, decorations and food, it’s all the more important to sit down and come up with a sound plan for paying off all these debts – like taking out a debt consolidation loan, for example.
But how do we get into this situation in the first instance?
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