Jan 05, 2024

Do you have a January Money Hangover?


January: Master Your Money, Not the Blues

January may not be synonymous with sunshine and rainbows, but it can be a month of financial empowerment. While the festive cheer fades and bills loom, let’s ditch the January blues and turn towards savvy money management.

Budgeting: Your Financial Superhero

Think of a budget as your financial superhero – it swoops in to shield you from overspending and debt. The Money Advice Service estimates 15% of us fly blind financially, which can be a recipe for trouble. But fear not! Budgeting doesn’t need to be a complex beast. Use their handy planner to get started, mapping out your essential expenses (rent, groceries, bills) and planning for extras (birthdays, unexpected costs).

Slashing Expenses: Every Penny Counts

Food can be a budget monster, but taming it is simpler than you think. Own-brand heroes and savvy planning (hello, shopping lists!) can work wonders. Bulk buying veggies for hearty stews and casseroles will keep your pockets and tummy happy, while resisting those checkout aisle temptations (no more impulse chocolate!) will ensure your willpower, not your wallet, melts away.

Sell Smart, Save Savvy

Turn clutter into cash! Online marketplaces like eBay are your friends, offering a convenient way to sell unwanted items and boost your January funds. Skip the summer boot fair stress and declutter from the comfort of your couch (early mornings can wait!).

Switch and Save: A Penny Pinching Power Move

January’s quiet social scene makes it the perfect time for a financial tune-up. Compare banks and energy providers – you might be surprised at the savings lurking out there. Take stock of those monthly subscriptions (TV, anyone?) and ruthlessly prune any that no longer spark joy (or savings). And the gym membership? Hold your horses! Getting fit doesn’t require a costly subscription – prioritize free workouts and avoid those checkout chocolate villains that sabotage your fitness goals.

Remember, January doesn’t have to be a financial nightmare. By embracing budgeting, slashing expenses smartly, and making savvy switches, you can turn this potentially gloomy month into a season of financial empowerment. So grab your budget superhero cape, embrace the “master, not the blues” mindset, and conquer your January finances with a smile!

Bonus Tip: Don’t forget to factor in some self-care! A budget should leave room for the little things that bring you joy, whether it’s a good book, a cozy night in, or a walk in the park. Taking care of your well-being is an investment in your overall financial health too.


Hear what our clients have to say...

Michael Tuck Lettings in Quedgeley have managed our rental property for the past 11+ years.

During this time their professionalism has never dropped. In the early days, Ian, Graham and Vikki-Lee were a huge help to a novice landlord. I’m pleased to say they are still there with a helping hand. Claire has always been the nudge I needed for the necessary insurance and safety checks. Having had some difficult times over the past couple of years I would like to say a special thank you to Lianne who has been there to help wherever she could.

We are in the process of selling the property and as expected Miles and Otis are dealing with everything with Tucks usual professionalism.

I have no hesitation in recommending this lovely, friendly office.

Linda Parker

I cannot recommend Michael Tuck Estate Agents enough.

They were so professional and so prompt with their communication. In particular we would like to mention Charlie for his regular updates and extremely helpful service in the sale of my mothers house. We were in a particularly long chain, and he went over and above to assist us in the communications between the buyers and sellers in order for our chain to proceed. He even contacted Solicitors and helped progress the exchange.

“We are certain if it wasn’t for him we wouldn’t have sold our house! We cannot thank him and his team enough.”

Kelly Durkin

Miles has gone above and beyond to ensure buying our first house has been a smooth process. He has offered clarification and reassurance at all steps of the journey, making us feel like valued clients.

“We would recommend Michael Tuck Estate Agents.”

Hollie Blunt

Michael Tuck New Homes in Gloucester assisted us selling three phases of our development in Kingsway, Gloucester.

“All of the staff were very professional and knowledgeable sales people who represented our company as if it were their own.”

If we were to need help selling our homes in the Gloucester ara again they would be the first phone call i’d make.

Stephen Holbrook. Abbey Homes

Tony and John, Abbeymead branch, supported us during very difficult circumstances (and we don’t just mean Covid!)

The same applies to other staff when answering queries etc.

“They were unfailingly courteous and returned phone calls and emails promptly.”

David Duncan

I have been a customer of Michael Tuck Lettings in Abbeymead for coming up to 2 years now.

I would like to highlight Kurt and James for there forever ending support and excellent communication. Their joint efforts have filled me with confidence in the ability to keep my family safe in a home we love.

No matter the complexity or need they are always on hand to support and come to some form of reasonable resolution.

For this reason I would recommend Michael Tuck to all my family and friends and will hopefully continue to stay a customer of Michaels Tucks until I purchase my own home. Thank you

“Being a contact centre manager I know how important customer service is and I must say that Michael Tuck has not disappointed.”

Jay Preece

Miles and the team have been brilliant from start to finish during the sale of our house.

Miles especially went above and beyond with sales chasing when I think most other people would have probably given up! Really happy with the service.

“Such a friendly and professional team and nothing was too much trouble.”

Anna England

I was recommended Michael Tuck Estate Agents in Abbeymead by a friend, thank you friend!

I would like to say a big thank you and well done to the team who are very friendly, helpful and have taken the strain out of what was a fairly long house sale.

Special thanks go to Chloe and Tony for their positivity and Chloe thank you for your good humour which lifted me during the long process!

“I would highly recommend them for a first class service”

Jane West

Michael Tuck Lettings in Abbeymead have been a fantastic letting agents looking after our house for the past 17 years.

We have recently sold the house with the sales department.  Kurt has looked after us incredibly well during the 17 years of lettings and Tony, Andy and Chloe have made the selling very easy. Thank you

“The staff are professional, approachable and easy to contact.”

Claire Rawlinson

I have recently bought and sold through the Gloucester branches and cannot praise Miles and the team highly enough.

In what has been a very testing time for the industry, Miles and all the staff have worked tirelessly in my purchase and even more so my sale.

Thoroughly recommend Tucks every time. Special thanks to Otis. Thank you guys it’s been an absolute pleasure.

“Their drive and communication skills have been amazing.”

David Lichtenstein