It is at this time of year that many of us tend to fall short with our December pay checks and often turn to our credit cards to fund the extra expense over the Christmas period. Gifts, food, drink and general entertainment over the festive break can prove costly - we know this, but don’t give the credit card companies a huge Christmas bonus by maxing out your store card. You know from years of experience that January is a quieter month with a lot less expense than December, so why not consider a cash advance loan instead of running up more credit card debt? I know to some, a loan might seem a bit extreme but the interest rates are often a lot cheaper than your credit card in the long run and due to the fact they’re limited, you only really use them for what you need, not just what you want! We all know how easy it is to run up credit card debt for things you don’t really need, so my advice to you is to ditch the credit card this Christmas and take out a cash advance or payday loan to keep you going until your January pay check.