Be honest, January arrives, the decorations come down… and suddenly the credit card statements arrive too. If you’re wondering where the money went (and how many mince pies you actually ate), this quick quiz is for you.
There are no wrong answers. Just real life.
Question 1: When you opened your January credit card statement, you…
A. Took a deep breath, made a cup of tea, and faced it bravely
B. Had a quick glance and decided future-you could deal with it
C. Accidentally-on-purpose didn’t open it at all
Question 2: Your festive spending was mostly on…
A. Planned gifts and a sensible food shop
B. “Just one more present” moments and last-minute extras
C. Cheese. So much cheese. And things you don’t remember buying
Question 3: Right now, your credit cards feel…
A. Manageable and under control
B. Fine… if nothing unexpected happens
C. Like they enjoyed Christmas more than you did
Question 4: Your current budgeting system could be described as…
A. Organised, intentional and up to date
B. A rough idea in your head
C. Hope, optimism and a vague promise to “be better next month”
Question 5: When was the last time you reviewed your credit cards?
A. Recently, I know my rates and limits
B. A while ago, but I probably should
C. Long enough ago that the card feels like part of the family
So… what does your score mean?
If you answered mostly A, you’re doing well. January is about fine-tuning.
Mostly B? You’re not alone, and a small reset could make a big difference.
Mostly C? Congratulations, you had a great Christmas. Now let’s sort January.
There’s no judgment here. Reviewing credit cards, interest rates, and monthly spending is simply about making your money work harder for you. Not punishing yourself for enjoying the festive season.
If you’d like, send through your score, and we can chat about practical, pressure-free ways to rebalance your budget and tidy up your borrowing for the year ahead. Think of it as a financial spring clean, without giving up cheese.