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Too much food and wine aren’t the only things causing post Christmas hangovers in 2011. January can be one of the most financially stressful times of the year as Christmas bills start arriving into households around the country during the month. This year in particular, many families will struggle to keep their heads above water as they deal not only with Christmas overspending but reduced incomes, cuts in social welfare and job losses.

With many of us getting by on lower incomes, we’re all looking for better value for money. Today the need for competent, objective, financial guidance has never been greater. M&C Financial Services can offer you a range of top quality insurance packages with discounts to beat them all.