Apparently in February we were all flexing our little plastic friend as we turned the corner on the arctic winter months.

You’d imagine that because times have been so difficult, people would be hanging on to those precious pennies but instead they’re behaving in entirely the opposite way. Why is this?

You know what it is like. You’ve had a challenging time, tightening that belt for so long that the minute the sun comes out you choose to rebel and get a little retail therapy. Life is miserable having to be so strict on the old finances and it is time for a treat!

Yes, people fancy a little pampering. They’ve worked hard all through the winter months, lived through a relentless slump and now want to see rewards for all their labors. It’s not enough that the roof remains over their head. That’s only just living on the breadline; subsequently people break free from the confines of such strict responsibility and head towards abandonment.

This is all well and good, and it is not for me to tell anyone they should not go out and spend a little. Life is short and if it is all drudgery then what hope is there for anyone. The trick is to be responsible even if we do go into debt.

Before we do however, we must contemplate whether or not our current debt may well be dealt with better by a decent Debt Consolidation Management plan. The last thing we wish for is to spend more if the shape of our current finances is in trouble.

Before we get to the stage of needing a Scottish Trust Deed to bail us out then we have to think carefully of how we are budgeting for paying off any current debts and for any future spending.

The cold dark winter months have drained us. We’ve struggled and now that spring is here we could do with a pick me up and lurking inside our wallets is an easy way out; credit cards that have not been quite maxed out, calling out to us to use them.

It does make you wonder how many credit cards we actually do hold and are we really conscious of how much is on every one of them? Before we do cheer ourselves up by spending further wouldn’t it be a good idea to sit down, even if it is with a stiff drink to alleviate the blow, and distinguish what we are dealing with.

After the initial shock is over then it is time to figure out what on earth to do. One of the best things to do is transfer all those debts onto one card and cut the rest up. Debt Consolidation is a very good way to tidy things up a bit and a very good Debt Consolidation Management plan. But please ensure that you cut those other cards up otherwise you’ll end up in a real mess.

Unfortunately not all can face up to their problems before it is too late. The only solution then is to get some serious counsel. An IVA or Scottish Trust Deed is a sure way of getting creditors of your case and while not ideal it is another form of Debt Consolidation that has saved many a person’s sanity.

Whatever stage of debt we are in, it truly is necessary to take a positive action now. Our future depends upon it.

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