Dayne Owens, of the Citizens Advice Bureau, says many families are getting into debt not only on Christmas presents, but everyday items such as food and clothes.
More top news
Wasps have confirmed that Cardiff Blues head coach Danny Wilson will join their coaching coaching team for 2018/19 season.
The Bluebirds boss was sent from the touchline in the 78th minute by referee Steve Martin in the 2-2 draw at Reading.
Swansea's defeat was their joint-heaviest of the season and they remain bottom of the Premier League with 12 points from 17 games.