There are concerns on how the NHS in North Yorkshire will tackle its worsening debt problem
People need to start saving for Christmas now to avoid getting into debt nearer to the festive season, warns a Bradford-based charity.
People in Yorkshire and Humberside start worrying about debt when theirs is lower than the national average.
A report has found the Peterborough and Stamford Hospital Trust will go £50 million into debt next year. The National Audit Office has concluded the trust failed to realise a Private Finance Initiative scheme to build a new hospital in Peterborough would put its future finances under strain.
Self-employed workers are the most dependent on credit and vulnerable to a problem debt cycle, according to Leeds-based StepChange Debt Charity.
Of the three main types of credit used by those seeking the charity's help, debt levels were far higher for the self-employed.
Researchers looked at client debt levels for 2012. They found the average credit card balance across all StepChange Debt Charity clients was £10,517 spread over 2.8 credit cards. By comparison, self-employed clients owed on average £17,237 across 3.6 credit cards.
Average overdraft balance for clients was £2,082; whereas self-employed clients owed an average of £3,615, and while an average client had a personal loan balance of £10,479, self-employed clients owned £13,266.
– Delroy Corinaldi, external affairs director of StepChange Debt Charity
While anyone, whatever their job or income, can find themselves struggling with debt, those working for themselves seem to be particularly vulnerable to debt problems.I would be particularly concerned about the strain of trying to seek enough work to maintain an income while struggling with debt. Anyone in this situation should not suffer alone, but seek professional advice and support help from a debt charity as soon as they realise that they have a problem."
Board members of NHS North Yorkshire and York - which funds doctors' surgeries across the county - have announced they are more than £19m in debt.
They say it is partly because funding which had previously been available now isn't.
They will meet next week to discuss ways to reduce the debt.
The news comes after the board was criticised for spending £3.2m on home health monitoring systems - or telehealth systems - which are hardly used.