1112.28 EXCESS

Now that all that Christmas malarkey is over it's time to deal with the aftermath. Putting the decorations away is a mammoth undertaking that if not done right means more work and messing about come December when they emerge again.

Of course the bills have to be paid, a month or more of overspending needs to be addressed. Then there is the personal over indulgences, a few weeks of over eating and drinking can mean all sorts of issues if not sorted come January.