Thousands of people in the North West are worried about how they're going to afford Christmas this year.
A third of people are paying for presents on credit. And perhaps even more worryingly almost 20 per cent of people here are going to borrow money to pay for food over the festive season.
The findings were commissioned by National Debtline. They're launching a #FeelsLikeChristmas social media campaign to encourage people to seek free advice.