Cycle of deby can be broken

A Generic Photo of a woman organising her finances. Picture: PA Photo/Thinkstockphotos.
A Generic Photo of a woman organising her finances. Picture: PA Photo/Thinkstockphotos.

A DEBT-counselling organisation has warned the people of St Helens not to rely on credit or stretch their finances too far this Christmas.

The Billinge-based Christians Against Poverty (CAP) charity, which helps people who have spiralling debts, is urging people to approach this year’s Christmas shopping with a “clear strategy”.

Centre manager Nanette Hesketh said: “These are difficult times for a lot of us and the temptation is to say, ‘at least we’ll have a great Christmas’ - using that as an excuse to spend what we haven’t got. If you’ve already caught yourself saying this, we want your alarm bells to be ringing loud and clear.

“Over indulging on presents for everyone in a mile radius is no longer in fashion. Most of us have seen our income squeezed significantly and will be scaling back so we mustn’t feel the pressure to over consume.”

The local centre, based at Billinge Family Church, opened up in October and gives free face-to-face debt counselling to all quarters of the community, not just Christians.

To find out if CAP can help you, call 0800 328 0006 or visit www.capuk.org