Falling income coupled with increasing living costs and Christmas spending is putting pressure on many household budgets.
The housing charity
say over two million people have resorted to using credit cards to pay their mortgage or rent in the last year and is urging people who are struggling to pay bills to seek help.
If your debt or spending is on credit or store cards you may benefit from new rules designed to help you pay off your debt more quickly.
And if you live in Scotland the Homeowner and Debtor protection Act is is bringing greater protection for those at risk of repossession and creating a new route into bankruptcy.
What are the cheapest credit cards or loans?
Could you switch to a cheaper deal?
Can you pay back loans early and avoid the interest?
If you want to withdraw from a loan how much time do you have?
What should you do if you are falling behind with credit cards, bills or mortgage payments?
How do you prioritise debt and where can you find free, impartial advice?
Or perhaps you are facing insolvency or bankruptcy - what are the options?
Paul Lewis was joined by:
Consumer Credit Counselling Service Scotland
Presenter: Paul Lewis
Producer: Diane Richardson