Advisers warn of pain to come as a poll for the BBC suggests many have no idea how they will repay festive spending.
Money borrowed to pay for Christmas could take years to repay, according to debt advice charity StepChange.
He said many people were unable to adjust their spending habits or have a sufficient income as bills and prices soared, and he urged those struggling not to "suffer in silence". "Normally we buy each other presents but we did a Secret Santa this year so we weren't buying for everyone." Calculate how much you can cover in debt repayments. Create a budget by adding up your essential living costs like food and housing, and taking these away from any income such as your wage or benefits you receive
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