ACTION CALL ON FINANCE MISERY
A counselling service is urging people not to plunge themselves into debt in the run up to Christmas.
Christians Against Poverty has issued the warning with less than 100 days to go until the big day.
The charity has a centre in Castle Douglas run by the New Life Church and is currently helping a number of people out of debt.
Centre manager Catriona Thomson said: “With personal borrowing on the rise, we are warning people to plan what they are going to spend this Christmas and save as much as they can.
“This way, with 100 days to go they can enjoy a Christmas without credit.
“Every year we see people whose finances were already fragile but too much Christmas spending pushed them over the edge.
“It doesn’t have to be that way if you start early. Just saving £5 per week now will give you £70 to spend on presents and food.
“Of course, we’re missing a trick if we think Christmas is only about spending money.
“Memories are not about which label we buy. They are made by spending time together with family and friends. Once you’ve started to prepare, you can get that perspective instead of the usual last minute panic that can result in credit and the worry that follows.”
CAP’s services can be used by everyone, regardless of their age, gender, faith or background.
All clients are visited by members of the centre, who will talk them through the process and collect their paperwork. The team at the head office then negotiate with creditors and develop a budget to ensure people can go debt free.
Catriona added: “If you are struggling to pay the bills and you’re being chased for money you don’t have, please let us help you. One phone call to the Freephone number 0800 328 0006 could be the difference between a merry Christmas or a miserable one.”
For further information, e-mail Cat rio na at catriona-thomson@capuk. org or call 07745 277655.
Finances are already fragile but Christmas can push people over the edge Catriona Thomson