People concerned about post-Christmas debt are urged to get help and support before bills start to come in.
A third of all families will have spent more money than they can afford at Christmas, leaving many struggling financially in January.
Organisations like Renfrewshire Citizens Advice Bureau and Renfrewshire Council’s Advice Works provide free and confidential advice to residents on managing debt and what to do if big bills are expected.
Convener of Finance, Resources and Customer Services at Renfrewshire Council, Councillor John Shaw, 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.”
Many will also be thinking how to make Christmas less of a financial stretch next year, with many money experts advising to start saving now.
Low cost credit, such as Credit Unions and Scotcash, can also help people borrow money without hefty interest charges.
Councillor Shaw added: “It’s always advisable to start saving now for next Christmas. You can find out more about managing your money on Advice Renfrewshire’s website.”