Budget wisely

1 The most important rule of all is to set yourself a budget and try to stick to it. But if you do find yourself going over, don’t get into debt, think about a 0% on purchases credit card. Just make sure you pay off the balance before the 0% period ends, or you could find yourself weighed down with a hefty bill. The M&S Credit Card Shopping Plus offers 0% for a generous 25 months.