Citizens Advice is offering guidance for those trying to avoid falling behind on loans payments.
The body has found that enquiries relating to problems with secured loans and mortgages have increased by 35 per cent compared to a year ago.
And it has drawn up tips along with Barclaycard in order to help minimise the surge in difficulties it traditionally sees after Christmas.
The free leaflets include recommendations not to overlook repayments in favour of festive spending, as well as carrying out a thorough credit card comparison if this form of finance is to be used.
Head of financial capability at Citizens Advice John Rhodes remarked: "Christmas is a time of giving, but you don't want to give yourself a headache in the New Year with bills and debts you can't afford."
Credit reference agency Callcredit recently found that 55 per cent of people are planning to cut back on the amount they spend this Christmas.
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