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Are you putting money aside for Christmas?

The sun is still out, the skies are still blue and any mention of Christmas at this time of year is normally guaranteed to produce a groan.

But with exactly a hundred days to go - a debt charity is urging people to think ahead and start putting money aside for the festive season.

Sarah Saunders has been speaking with a man who fought his way out of debt - and now runs courses to help others keep their financial house in order.