A red Christmas: we'll start 2014 £3,000 in debt

While all hope of a white Christmas has been washed away, we're fairly sure of a red Christmas - as over half of us have had to use our credit cards in the run up to Christmas. In fact we'll start the new year with an average of £2,875 on our cards.

And for many people, the problem is much more serious.%VIRTUAL-SkimlinksPromo%