Put yourself through a January debt detox

You can transform the level of your debts in three easy steps, writes John Lowe.

22nd January, 2012
Put yourself through a January debt detox
If expenditure exceeds income, you have two choices -- earn more or cut costs. Photo: Getty

According to the latest survey conducted by travel and leisure website Lastminute. com, getting out of debt is a top priority for many in 2012, with nearly one in four choosing this as a top goal.

When asked about the main reasons for January blues, worries about future financial instability (17 per cent) and post-Christmas debt (14 per cent) came second and third after post-festive weight gain (20 per cent). But the turkey is well eaten...

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