Have you spent too much this Christmas?
The realisation may not have set in yet about just how much you've spent over Christmas - but if your worried about the bills coming in January you're being urged to act now.
The Citizens Advice Bureau is an advice centre which gives you a range of ideas to help you out of the red.
Martin Booth from their centre in Chester says:
"Don't allow the situation to get out of control, it's a popular thing to ignore the debt and pretend it will go away, it won't. You will get letters and threats of court action. Always take your advise it's probably not as bad as you think."