Financial ruts can feel insurmountable but some simple strategies can help to pull you out
New money habits are essential if you want to climb out of a financial hole. Photo: Getty
The start of the Christmas season can trigger a lot of financial anxiety, as the prospect of paying for presents and parties looms large.
But it’s not just Christmas that brings about such worries. For many there are plenty of times during the year when they get that sinking feeling of just being broke.