Christmas and New Year are over and things have returned to normal, normal that if we do not take into account the fact that Britain is covered in snow, has been for weeks, and that the whole of the UK is shivering in sub zero conditions with people suffering from the freezing conditions.This will go down as one of the coldest spells since records have been kept.
The kids are all back at school while their parents have returned to their mundane jobs.
Now that the usual every day life has returned many are now taking stock of their financial position and considering how much worse of than ever they are after having a rip roaring splash out over the period of festivities.
People who were already beginning to feel the financial pinch will be even worse off now than they were at the start of December before the big spend started, and many have very much over spent having decided that they wanted to have the best time ever as they had been pulling in their financial belt since the start of the recession, and did not want to continue tightening their belts over the couple of festive weeks.
With credit cards reaching the limit of their credit now is an excellent time to consider doing something about it before debt worries magnify.
Instead of spending time worrying needlessly as it turns out ,people who have too many credit card debts and other debts in loans, etc. should consider debt consolidation which rolls all debts into one and pays them off with one lower payment .
By arranging debt consolidation there are vast savings to be made apart from making money matters much simpler.
Remortgages and secured loans are both forms of homeowner finance which require to be secured on a property.
Remortgages rather than secured loans are the cheaper home loan product and currently have rates from 1.98%, but if a homeowner has an early repayment charge with his existing mortgage lender a secured loan would be preferable.
However the moral is that whether remortgages or secured loans are the debt consolidation vehicle of choice, both remortgages and secured loans taken out for debt consolidation are excellent debt solutions.