Christmas is now well and truly over and whilst the partying and over-eating may have come to an end, for many people a nightmare could be about to begin - the nightmare of debt. Faced with bills for hundreds or even thousands of pounds, some find the new year too much to cope with.
It's not just about Christmas of course - for some, debt is a problem that can come from drinking, gambling, drugs or other addictions. Our reporter David Johns has been to meet a former City high-flier who lost his job, house, wife and all his money because of uncontrollable gambling - and hear how he turned his life around.
He speaks to former gambling addict Justyn Larcombe; David Trice from West Kent Debt Advice; and military collector Neil Thomas.
Starting today, gambling addicts in Medway can ban THEMSELVES from the area's betting shops. It's Britain's first self-exclusion scheme to be backed by a network of betting shops. Derek Johnson reports.
Addiction experts have branded them "the crack-cocaine of gambling".
Fixed Odds Betting Terminals invite gamblers to bet up to £100 every 20 seconds.
Medway Council says strict restrictions on maximum stakes are urgently needed, but the Government doesn't agree. John Ryall spoke to former gambling addict Matt Zarb-Cousin and Medway Council Labour Group Leader Vince Maple.
Medway Council is inviting owners of betting shops and gaming premises to a meeting to agree a voluntary code on gambling.
It's the latest move to combat gambling addiction in Medway which has a cluster of venues using casino-style fixed-odds betting terminals described by addiction experts as the 'crack-cocaine of gambling'.