{"id":267,"date":"2023-02-21T13:27:47","date_gmt":"2023-02-21T13:27:47","guid":{"rendered":"https:\/\/www.iva.org\/blog\/?p=267"},"modified":"2024-12-05T11:36:27","modified_gmt":"2024-12-05T11:36:27","slug":"spring-budgets-and-christmas-hangovers","status":"publish","type":"post","link":"https:\/\/www.iva.org\/blog\/spring-budgets-and-christmas-hangovers\/","title":{"rendered":"Spring budgets and Christmas hangovers.\u00a0"},"content":{"rendered":"\n

There\u2019s little we can do to influence forthcoming government budget changes, and whilst it\u2019s always advisable to expect the worst and hope for the best when it comes to external\u00a0 changes and initiatives, spring is a good time to review your <\/strong>finances<\/a>.\u00a0<\/p>\n\n\n\n

Firstly without doubt leaving the dark dull days of winter gives everyone a spring in their step. With the budding of snowdrops, lighter evenings and (slightly) warmer temperatures most of us have a bit of renewed energy to tackle some of those lurking jobs (budgets!) that we\u2019ve been putting off since the turn of the year. <\/p>\n\n\n\n

Here\u2019s five reasons why now is a great time to review your budget. <\/h2>\n\n\n\n

The Christmas Hangover\u2026<\/h3>\n\n\n\n

Is long gone, and no, we don\u2019t mean the traditional hangover! The spend and finance hangover. The credit card statements should be in, Christmas money spent, and you\u2019ll have a clear view of what you need to pay off over the coming months. We\u2019ve also got a bit of a reprieve from all the Christmas parties and Santa visits meaning the next few months may feel a bit more manageable financially.<\/p>\n\n\n\n

Warmer temperatures\u00a0<\/h3>\n\n\n\n

With spring around the corner we\u2019re all hoping it gives us an opportunity to cut down on some of our house and car running costs, dropping the heating down slightly, relying a bit less on the tumble drier, or opting to walk instead of driving helps so cut down on gas, electric and petrol costs (albiet slightly!) as well as helping you get more fresh air and those all important steps in.<\/p>\n\n\n\n

The great (free) outdoors\u00a0<\/h3>\n\n\n\n

When the weather is brighter we usually feel more inclined to spend more time outdoors, apart from the natural health benefits it\u2019s also free which is a win win in our eyes. After school trips to the park (free) are more appealing than paid activities or sitting at home with heating on full blast. <\/p>\n\n\n\n

Planning for summer\u00a0<\/h3>\n\n\n\n

Costs can creep up in the summer months, al fresco drinks, family days out, paid holiday clubs and summer holidays all need budgeting for. Now is a great time to start thinking, planning and budgeting for what you may need over the summer months. <\/p>\n\n\n\n

Brighter days\u00a0<\/h3>\n\n\n\n

As we\u2019ve previously mentioned most people tend to feel a bit brighter, more positive and energetic with the brighter days coming. This is a good time to tackle some of the financial worries you may have hidden in the back of your winter wardrobe. Taking some positive action, making a plan and sharing your financial problems can make a massive difference to your situation this year. <\/p>\n\n\n\n

At IVAorg we\u2019ve spent the start of the year talking, chatting and advising people who are worried about finances. Not all of these people need an IVA, in fact we\u2019re delighted when they don\u2019t. Some people have been wrongly advised, and for some we\u2019re the first people they\u2019ve spoken to. Whatever your circumstances, if you\u2019re worried about debt, finances or you\u2019re not sure you\u2019ve been given the right advice we\u2019d love you to get in touch so you can enjoy a brighter spring.  <\/p>\n\n\n\n

There\u2019s still \u00be of 2023 left, brighter days are coming – we want them to come for you too.<\/p>\n","protected":false},"excerpt":{"rendered":"

Here\u2019s five reasons why now is a great time to review your budget.<\/p>\n

We\u2019ve spent the start of the year talking, chatting and advising people who are worried about finances.<\/p>\n","protected":false},"author":11,"featured_media":268,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[44,36,32,30,31],"ppma_author":[78],"class_list":["post-267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","tag-budget-planner","tag-budgeting","tag-cost-of-living","tag-costs","tag-income-and-expenditure"],"aioseo_notices":[],"authors":[{"term_id":78,"user_id":11,"is_guest":0,"slug":"iain-wrenshall","display_name":"Iain Wrenshall","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/5da630bf4c571f09624ec1c965da64d5b6ec158173234a52f41b1d5469fbc39a?s=96&d=mm&r=g","0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":""}],"_links":{"self":[{"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/posts\/267","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/comments?post=267"}],"version-history":[{"count":3,"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/posts\/267\/revisions"}],"predecessor-version":[{"id":272,"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/posts\/267\/revisions\/272"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/media\/268"}],"wp:attachment":[{"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/media?parent=267"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/categories?post=267"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/tags?post=267"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.iva.org\/blog\/wp-json\/wp\/v2\/ppma_author?post=267"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}