Debt advice at hand

. Credit: Owen Humphreys/PA Wire/Press Association Images

According to the Citizens Advice Bureau, more people than ever before have taken out payday loans over this festive season than ever before.

Anyone struggling to pay off their Christmas spending can get free advice on how to deal with their debt from the Citizens Advice Bureau.

Other groups offering help include debt charity Stepchange which has a free helpline 0800 138 1111 and a 24-hour anonymous online counselling service, and National Debtline which offers free, confidential advice on 0808 808 4000.

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Post-Christmas cash crisis

January is the worst time of year for those struggling with debt according to the Citizens Advice Bureau, with many families turning to pawnbrokers to get the cash they need.