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Ever wondered why retailers decorate their shops for Christmas in late October? It's all about the psychology of spending; they're hoping you'll get swept up in the spirit of things and spend, spend, spend. Don't start the New Year in monetary misery, find out how to stay debt free this Christmas


What's the difference between fixed amount, fixed repayment and flexible short-term borrowing loans


More information on loans including how much can you borrow, how interest rates, payment protection, APR and repayment


Are overdrafts a good idea? Find out how they can work for you

iVillage Recommends Summer dresses
 
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