The festive period is not always kind to your finances.

Though this generalisation does not apply to all Leeds-based individuals, the trend shows no signs of slowing down: compared to 2013, the Money Advice Trust’s National Debtline service received three times as many calls on Boxing Day last year.

On top of evidencing that many households were financially fragile going into 2015, this could also demonstrate the lengths that some are willing to go to pay for Christmas.

To help you manage your funds leading into this particular time of year, today our team of Chartered Financial Planners are outlining a few money saving tips:

Start preparing early

Spreading the cost over the entire year is one great way to avoid really feeling the pinch. It is worth remembering that presents are not the only expense: bills such as gas and electricity tend to rise during the winter too. Preparing way in advance enables you to take this into consideration.

Make the most out of savings

Setting cash aside in a savings account will – if done wisely – ensure that you do not live beyond your means. Depending on interest rates this may also see your earnings grow.

Visit a financial adviser

As well as presenting expert advice in a clear and honest manner, reputable financial advisers are adept at working with their clients’ individual requirements. This allows them to play a part in securing a strong financial position for both you and your family all year round.

To see how Heritage Wealth Solutions’ Leeds team has helped customers to meet and exceed their monetary goals, view our success stories by clicking here.

You can alternatively speak to one of our Morley-based financial advisers today by either calling 0113 350 2080 or emailing