Can I afford fancy food this Christmas

Can I afford fancy food this Christmas

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Video transcript

As a nation, we`re going to increase the amount we spend on food and drink over the festive period, but you can ensure that you can afford it by getting your finances under control through refinancing if you do not have the cash saved up already.

IGD indicates that there`s going to £19 billion spent on consumables this Christmas, 3.9 per cent more than last year. Many people have got budgeting in mind too, with six in ten (58 per cent) planning on doing more shopping around than last year to get the best deals.

That`s poised to provide a boom for discount supermarkets like Aldi and Lidl, with half (53 per cent) of young families planning on using them, alongside a third (36 per cent) of shoppers in the A and B brackets, showing that everyone has got money saving on their mind.

You could help your money go further if you cut down on unsecured debt payments through debt consolidation if you can find the right deal. This might leave you with more cash in your pocket each month, although you will probably need to pay more in interest over the term.

Discover all about reorganising your finances by contacting First Choice Finances, from a landline on 0800 298 3000, on a mobile on 0333 003 1505 or online at firstchoicefinances.co.uk. 

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Homeowner Secured Loans
9.8% APRC. Representative example: Borrow £50,000 over 180 months. 60 months at 8.1%, £497.83 pcm fixed at 60% LTV. Then 120 months at 10.1%, £539.89 pcm variable. Total payable £94,656.60. Total cost of credit £44,656.60 (including: £795 lender fee, £985 broker fee & £42,876.60 interest). First Choice are tied to certain loan providers.

Mortgages & Remortgages
8.4% APRC.
Representative Example: Borrow £120,000 over 25 years at 5.99%, £778.86 pcm fixed for 3 years at 60% LTV. Then at 8.75%, £974.86 pcm, variable for 22 years. Total payable £286,416. Total cost of credit £166,416 (including: £985 broker fee, £999 lender fee & £164,432 interest)


Unsecured Personal Loans
REPRESENTATIVE 49.9% APR (VARIABLE)
First Choice are tied to certain unsecured lenders.


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Security is required on immovable property.



Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Established In 1988. Company Registration Number 2316399. Authorised & Regulated By The Financial Conduct Authority (FCA). Firm Reference Number 302981. Mortgages & Homeowner Secured Loans Are Secured On Your Home. We Advice Upon & Arrange Mortgages & Loans. We Are Not A Lender.

First Choice Finance is a trading style of First Choice Funding Limited of 54, Wybersley Road, High Lane, Stockport, SK6 8HB. Copyright protected.

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