With Christmas just around the corner, we have been finding out ways that islanders can avoid overspending during the festive season.
Jersey Citizen's Advice Bureau offered 10 top tips...
- Plan early for Christmas
- Don't forget the everyday bills
- Don't bank on an overdraft
- Keep things simple
- Shop around
- Buy safe to be safe
- Read the small print
- Do your own credit checks
- Be organised
- Start planning and saving for next Christmas
We also spoke to Dragons' Den businesswoman and consumer champion Sarah Willingham who says time is the best gift you can give...
For help and advice on avoiding or dealing with debt, islanders can contact: