12 Days of Money-Saving: beating debt

David Cheskin/PA Wire

At this time of year, most people drift towards the limits of their accounts - or their credit cards. For many it can take us well into the New Year to get back on an even keel. However, for others, this is simply heaping more misery on an already intolerable situation. For them, debts have become an expensive nightmare that is keeping them up at night.

But however bad your debts are, there is a solution. It's just a question of finding the right one for you.

%VIRTUAL-SkimlinksPromo%