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The festive period can be a joyous time, but many of us are dreading the next credit card statement wishing us a "happy new year" with an increased credit card debt.

Every New Year the most common cause of personal debt is the build up to Christmas. The strain of buying food and drink, entertainment and the all important presents can put a huge strain on credit cards.

There are many forms of credit that people use over the Christmas period, in order to repay over a longer period. They range from:

• Unsecured Loans

• Credit Cards

• Store Cards

• Catalogues

The most common being credit card debt. Credit cards are a favourite with all shoppers, whether you’re in the high street or shopping online, paying by plastic is normally the easiest transaction. Credit cards are easy to get, many with great offers, but the offers don’t always last longer than 6 months – after this interest rates and transaction charges can increase.

This is when many find it difficult to keep up with monthly repayments. However there is debt help available for your Christmas debt problems.

Debt help can be debt-simple

Debt management can help with debt problems especially credit card debt, or any other unsecured debt you may have.

With a debt management plan you can consolidate two or more unsecured debts and have one reduced and more importantly - affordable monthly repayment.

Our trained personal debt advisors will talk through your debt problems and assess the best possible way to move forward.

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For advice on the best debt solution for you Contact Us