January and February are notoriously tight months; usually spending as little as possible to try and recover from the hit of Christmas presents and all the social events during the festive months (that have been known to start before September is even over. For some people at least!). Lots of big hearty home-cooked meals, rather than takeaways, and cutting back on non-essential spending, like expensive frothy coffees and shop-bought lunches.
Many of us use these early months as a great opportunity to kick-start or get back into fitness programmes. Aiming for a more honed, toned and healthy body by the time the sun makes a fleeting appearance later in the year. Well that’s the plan we initially dream of, some of us fall victim to temptation along the way.
Usually people feel a bit more relaxed financially by the end of March so it’s a good time to assess finances and the time we can offer to those around us. Running a family home can be expensive and can often take all of our time, we are all too aware of that, so not everyone can easily afford to spare money at the end of each month or volunteer for good causes.