The pre-Christmas sales are now in full swing and retailers are bombarding us with their so-called too good to miss offers.
But now can also be a particularly dangerous time for people being tipped into debts by festive spending which they could spend much of 2019 trying to pay off when bills thud onto doormats.
Previous research from the Money Advice Trust charity suggests more than a third (37%) of people put last Christmas on credit, and 13% of people say they regularly worry about money in the run-up to Christmas.
Among StepChange clients, debt often occurs as a result of a change in circumstances that causes people to lose some or all of their usual income.
While for some, their money problems may simply stem from not sticking to the…
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