It’s never too early to plan for next Christmas says the OFT.

But, if you are finding yourself in difficulties, the OFT offers a free and confidential debt counselling service.

Chairman of the OFT, Martyn Perkins MHK said ‘credit card and other debt can be very stressful and worries are best tackled before they becomes a bigger problem.  I would encourage people to seek advice early and visit our debt counselling service if they are worried that they may be overstretching their finances.’

Visit the website https://www.gov.im/oft/money/, email debt@gov.im or ring 01624 686510.