If you've got school-age kids, you'll be hitting the final countdown for school to go back. Some of us love the change of pace school holidays bring while for some of us the next week (or so) can't go by fast enough. Whichever group you're in, you'll be checking off stationery items, school uniforms, school bags and lunchboxes. You'll be thinking about schedules and school fees, and you'll probably be thinking about paying for it all.
No-one likes that bit. The big money hit just as you're Christmas credit card is due. Which is why once you've dealt with the kids' stuff, working through our 'back-on-track' checklist can help get your finances back under control and put you back in charge.