Advice sought from OFT's debt service throughout the year
Debt is a problem throughout the year, not just at Christmas.
That's the message from Chief Inspector of Trading Standards John Peet.
While budgets used to be stretched furthest by the festive period, credit cards now mean it's an issue all year round
Mr Peet insists setting a budget will help prevent overspending:
The Office of Fair Trading's debt counselling service can be reached on 686510 or by emailing debt@gov.im