Whilst families across the country un-wrap gifts on 25th December, I can’t help but wonder how many people will be worrying about the bills to arrive the first week of January.

No matter how hard you budget, Christmas shopping bills add up – and for those who pay on plastic, it’s only natural, whilst enjoying some quality family time over the holidays, for your mind to drift off and let panic set in about the payment demands which will follow in the New Year.

This year we have spent a great deal of time learning about the emotional toll debt can take on someone – so much so, that sometimes, the bills and chasing calls can get too much.

If you are feeling the weight of this burden, we are here to talk to you. They’ll be no pressure and no tactics. That’s not what we’re about. We’ll simply go through the maths with you and talk through the options available – making sure you know you’re not alone and there is help out there for you.

We are closed for the holidays from 1pm on 23rd December but will re-open on 28th, 29th and 30th December. We will be closed on 31st December – 2nd January but we will be open as normal again from Tuesday 3rd January.

You can contact us on 0800 019 2095 or on 0161 968 2030 from a mobile.

If you’re struggling emotionally, you might want to speak to someone who is professionally trained to help you cope with this pressure. Sometimes, just talking things through can help you see things clearly and feel more supported. Below are some organisations which are able to help throughout the Christmas period:

Samaritans: 08457 90 90 90

Mind: 0300 123 3393