PEOPLE who are concerned about post-Christmas debt are being urged to seek support before bills start to come in.

Research shows that a third of all families will have spent more money than they can afford over the festive season, leaving many struggling financially this month.

However, the likes of Renfrewshire Citizens Advice Bureau and Renfrewshire Council’s Advice Works team provide free and confidential support to residents on managing debt and what to do if big bills are expected.

Councillor John Shaw, Renfrewshire’s finance, resources and customer services convener, said: “Dealing with debt early is key to making it much more manageable than if you ignore it.

“I would urge anyone struggling with big bills this January to get in touch with advice services in Renfrewshire as soon as they can.

“Advice experts will deal with your situation confidentially and provide free and impartial advice to help you manage your debt.”

Cash-strapped residents are also being encouraged to find out more about low-cost credit services, such as credit unions and Scotcash, where people can borrow money without hefty interest charges.

Cllr Shaw added: “It’s always advisable to start saving now for next Christmas.”

For more information, visit or call the freephone number on 0808 164 2922.