It’s a new year and you’ve decided to take on your finances. You’ve taken a deep breath and sat down with your laptop or your phone and taken a look at your spending… and had a nasty surprise. Don’t feel despondent. Millions of people all across the UK right now are experiencing exactly the same feelings. You are not alone. So let’s tackle those debts. What to do if you’ve overspent First things first, if you’ve ordered goods or services online then in most cases you have a 14 day window during