Sometimes a lot of different expenses can end up falling in the same month. During the spring you might end up booking a holiday at the same time as attending Holy Communion parties, for example, while September sees your children going back to school or moving into university accommodation, and at the end of the year you need to buy presents while coping with higher energy bills.
During other months you might be planning a large purchase. For
example, you might want to decorate your new home, finally go on that
dream holiday you've been looking forward to for so long, or pay your
children's university fees.
In all these cases it can be attractive to spread the payments over several months.
Read on to find out which of the five solutions would suit you best.