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.
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It's certainly not the brightest of starts to the day, with drizzly rain in places.
It will feel much milder tonight that it did last night, with patchy showers around the coasts.
Well what a difference a day makes! It's the calm after the storm today!