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Money-saving tips to help make your last pay stretch until next one
10.01.2022 - 12:59 / dailyrecord.co.uk
January can be a tough month for managing finances at the best of times, but the knock-on effect of the festive fortnight and bank holidays means it may be even more difficult for some people to make their December pay stretch this month before the next one is due.
Thousands of workers and people claiming benefits were paid earlier in December than they usually are in other months so the money will need to last until January's pay day arrives, which could mean waiting up to five or even six weeks.
And while some may already be feeling the pinch, there are a few things you can do to help make the most of your money this month.
To help you make it through to the end of January, Andy Barr, a personal finance expert and co-founder of online price tracking website alertr.co.uk, shares eight tips to help you make your last pay stretch.
If that reindeer jumper from your relative wasn't what you wanted over Christmas, try getting a refund if you can. This may need to be done via the person who originally bought the item, so you may need to be prepared for an awkward conversation with the gift-giver.
If a refund is not possible, see if the store will offer a credit note that you can save for later or use on something that will come in handy right now, whether that's towards your food shopping or something else.
It might feel like you're crossing a line, but you're better off with something which is of use to you - and if you approach the conversation in the right way, the gift-giver may be more understanding about the situation than you'd thought.
Stop what you're doing right now and take stock of the money you have left and calculate how much will be paid out before your next pay.
Include essentials including food and fuel
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