It’s the end of the year and its time to enjoy and be in the Christmas spirit. It’s not long until we get to enjoy the food and drinks to last to the New Years celebrations. It is one of our favourite times of the year here at Cross Accounting. The darker evenings are given a little colour with the neighbourhood Christmas lights. While this is the time of giving and enjoying yourself, we would like to remind you of the financial aspect over the festive period.


Without trying to put out a negative mood, we do want to address the reality of credit card bills and debt and the very high interest charges they carry.


We have been speaking to a number of liquidators in the last couple of months and all have mentioned that it is this time around were people use their credit cards or store cards the most. This would make sense as we get ready to buy gifts and as the High Street stores accommodate their opening hours for the Christmas rush.


A survey by uSwitch finds that Britons borrow an average of £452 each at Christmas. Heading in to the New Year, this can cause a bit of a problem for some.


It is perfectly fine to go out and spend for loved ones and friends, but please stick to your budget. You want to end 2018 on a high and have the best possible start for the New Year.   


Let’s start the New Year in the best way possible. With positivity and new inspirations to keep both your personal life and business life in prosperity for 2019.


We would like to wish you a Merry Christmas and a prosperous 2019, from all at Cross Accounting Service.

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