Calendar An icon of a desk calendar. Cancel An icon of a circle with a diagonal line across. Caret An icon of a block arrow pointing to the right. Email An icon of a paper envelope. Facebook An icon of the Facebook "f" mark. Google An icon of the Google "G" mark. Linked In An icon of the Linked In "in" mark. Logout An icon representing logout. Profile An icon that resembles human head and shoulders. Telephone An icon of a traditional telephone receiver. Tick An icon of a tick mark. Is Public An icon of a human eye and eyelashes. Is Not Public An icon of a human eye and eyelashes with a diagonal line through it. Pause Icon A two-lined pause icon for stopping interactions. Quote Mark A opening quote mark. Quote Mark A closing quote mark. Arrow An icon of an arrow. Folder An icon of a paper folder. Breaking An icon of an exclamation mark on a circular background. Camera An icon of a digital camera. Caret An icon of a caret arrow. Clock An icon of a clock face. Close An icon of the an X shape. Close Icon An icon used to represent where to interact to collapse or dismiss a component Comment An icon of a speech bubble. Comments An icon of a speech bubble, denoting user comments. Ellipsis An icon of 3 horizontal dots. Envelope An icon of a paper envelope. Facebook An icon of a facebook f logo. Camera An icon of a digital camera. Home An icon of a house. Instagram An icon of the Instagram logo. LinkedIn An icon of the LinkedIn logo. Magnifying Glass An icon of a magnifying glass. Search Icon A magnifying glass icon that is used to represent the function of searching. Menu An icon of 3 horizontal lines. Hamburger Menu Icon An icon used to represent a collapsed menu. Next An icon of an arrow pointing to the right. Notice An explanation mark centred inside a circle. Previous An icon of an arrow pointing to the left. Rating An icon of a star. Tag An icon of a tag. Twitter An icon of the Twitter logo. Video Camera An icon of a video camera shape. Speech Bubble Icon A icon displaying a speech bubble WhatsApp An icon of the WhatsApp logo. Information An icon of an information logo. Plus A mathematical 'plus' symbol. Duration An icon indicating Time. Success Tick An icon of a green tick. Success Tick Timeout An icon of a greyed out success tick. Loading Spinner An icon of a loading spinner.

Get your finances back on track by taking these practical steps

(Getty Images)
(Getty Images)

THOSE glorious summer holidays seem like a distant memory now.

Unfortunately, they still weigh heavily on the purse.

For many people, this is a tough time of year as they struggle to pay off costs incurred on vacation.

But there are a few practical steps you can take to get your finances back on track.

Charlotte Nelson, a finance expert at, said: “Taking the time to tackle your finances can lift a massive weight off your shoulders and make things far more manageable in the long run.”

One option is transferring your credit card balance.

Nelson explained: “If you hit the credit cards hard this summer, you may be unable to pay off your balance in full.

“In this case, it may be worth considering a balance transfer deal.”

But with some deals, there are large fees to watch out for when transferring the balance.

For those with smaller debts that can be paid off more quickly, it may be worth considering deals that have no balance transfer fee.

If you have a large variety of debts on multiple credit cards and you’re paying high rates of interest, using a personal loan with a lower interest rate to consolidate your debts may be a way of saving cash.

Another option is switching your current account, as loyalty rarely pays when it comes to your provider.

Many current accounts offer cash to switch, as well as rates that beat what’s available on the savings market.

The seven-day switching service introduced in 2013 has also helped to take the hassle out of the experience, as existing payments are automatically swapped over to the new account.

Elsewhere, it might be worth looking at cashback cards as an option. Nelson said: “Some cards offer excellent introductory deals, which are great for those with a big purchase in mind.

“If you don’t spend during the introductory period you will lose out, so this will best suit regular card users.”


Holidaymakers are spending more time and money on staycations

Half of working households worry about Brexit effect on their finances, says survey