Date: 1 January 2012

Post Christmas is a stressful time for many people who are struggling with their debts. More and more people every year have trouble making ends meet and covering the most essential household bills.

Money troubles don’t go away by themselves, so if you're getting into trouble, act quickly and seek advice about how to deal with it.

You shouldn't have to add to your debts by paying for debt advice. There are several organisations that offer free, confidential advice to help you get your finances back on track. And you can get that advice in lots of different ways.

If you would like to see someone face-to-face about your debts, you can make an appointment at your local Citizens Advice Bureau. To find your nearest bureau, go to www.citizensadvice.org.uk.

If it's difficult for you to see someone face-to-face, the Consumer Credit Counselling Service (CCCS) offers a free phone helpline 0800 138 1111, open 8am to 8pm, Monday to Friday.

They also operate Debt Remedy, a 24-hour anonymous online counselling service at www.cccs.co.uk.

In Northern Ireland, the beat the recession project is running an online chat service where you can speak to an adviser online. For more information, go to: www.beattherecession.me.