Almost a quarter of people in Scotland will find themselves in debt as a result of this Christmas.
24% of Scots say they are expecting to end up in debt this year compared to 17% of English people and 20% in Wales.
A survey carried out by ScotlandDebt.co.uk found that being the most generous spenders at Christmas is having a negative affect on many people in Scotland.
As 13% expect to spend over £1,000 this year, 62% admitted to overspending during the festive season.
The debt advice charity say the figures are worrying:
"That a quarter of Scots will get into debt this Christmas is very concerning. We don't advocate everyone stopping spending altogether and we all know that circumstances can cause temporary cash shortages, but we want people to think hard about how much credit costs people in Scotland, and how long after the New Year they will be paying for their Christmas festivities."
More top news
A look ahead at a calmer forecast for the Border region.
The sudden death of a 67-year-old man in Cumbria is confirmed to have been caused by carbon monoxide.
PHE says up to a fifth of antibiotic prescriptions are unnecessary - taken for illnesses such as coughs and sore throats.