The public has been urged to get to grips with the cost of Christmas in advance to help alleviate some of the pressure.
The Office of Fair Trading says the festive period can be very stressful if money is tight.
It believes calls to the Debt Counselling Service could be slightly higher than normal this year.
Advice centre manager Andrea Tabb says it’s better to plan what you are spending well in advance of the big day:
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