Those who have built up debt should resolve to sort out their finances this month, it has been suggested.
Fairinvestment.co.uk is urging those who owe money on items such as credit cards and unsecured loans to take advantage of debt management services.
Chartered financial planner at the site Sharon Bratley noted that people are more focused at this time of year, which could lead to greater success.
"January is a great time for people to get on top of their finances following the cost of Christmas. Debt is something that should not be ignored," she said.
The advice followed findings by charity Credit Action that the average household debt in the UK is now £9,600, excluding mortgages.
Last month Fairinvestment.co.uk revealed that eight per cent of consumers were planning to use credit cards to fund their Christmas spending, with two per cent intending to rely on loans.
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