Lesbury Parish Council serving the Villages of Bilton, Hipsburn and Lesbury in Northumberland.
Welcome to our website. To navigate around the site please use the tabs on the left. To view the Parish Maintenance schedule follow the tabs on the left - Documents Archive / Miscellaneous folder / Maint Schedule 2016
To navigate around the site please use the tabs on the left.
To view the Parish Maintenance schedule follow the tabs on the left - Documents Archive / Miscellaneous folder / Maint Schedule 2016
Citizens Advice top 10 tips for ChristmasHere’s our Top 10 ………
Here at Citizens Advice, we have experience of helping people deal with their debt problems. We’ve come up with the following ten top tips to avoid a Christmas debt hangover.
1. Plan early for Christmas - be realistic and budget accordingly. Work out how much you are going to spend on each person – and stick to it.
2. Don’t forget the everyday bills -remember that rent, the mortgage, utility bills, food bills and other existing debts still have to be paid – and the consequences can be severe if they’re not.
3. Don’t bank on an overdraft - if you do need more money, don’t just run up an overdraft without talking to your bank first – it will work out much more expensive.
4. Keep things simple- if you can afford to pay for your goods outright by cash, cheque, or debit card, don’t be persuaded to take out extended credit agreements.
5. Shop around - try as many different places as possible to find the best price. Buy what you want and not what other people say you need.
6. Buy safe to be safe - whatever the deal, whatever the temptation, don’t buy from unauthorised traders and don’t borrow from unauthorised lenders.
7. Read the small print - check for hidden extras in any credit agreement. Work out the total amount payable. Ensure that the monthly instalments are within your budget before signing.
8. Do your own credit checks - if you are going to use a credit card, shop around and compare terms.
9. Be organised - if you’ve borrowed money don’t forget that it won’t be long before you have to make a payment. Make sure you pay on time, even if it is only the minimum, or you will be faced with additional charges.
10. Start planning and saving for next Christmas - once Christmas is over, it’s worth looking at what you did well and what you didn’t.
Debt doesn’t go away by itself. It can lead to serious consequences and ill health. If you do need debt advice now, call Northumberland Adviceline on 03444 111 444 or see our website for our opening hours: www.citizensadvice.org.uk/northumberland.
We have specialist debt advisers in all offices across Northumberland to help you. The help is free, confidential and impartial.