HUDDERSFIELD people have been offered help in solving debt problems.
With the new year barely under way many people already have debt worries.
For an estimated 6m households, January starts a stressful period, as the excesses of Christmas take their toll.
Overspending, credit card demands and household expenses are some of the cash worries many people face.
However, there is plenty of help.
The Citizens' Advice Bureau is just one of the groups that can help with debt issues and it has compiled a list to help people handle their finances.
A spokesman said the first piece of advice was to list people who were owed money and the amount owed.
Next, the debts should be prioritised. The bureau advises making creditors with legal rights, including rent, a priority over those without, such as credit card debts.
It then recommends working out total income and subtracting necessary costs, such as food bills.
The rest should be paid to creditors.
Meanwhile, Home- Start, a Huddersfield group which sends volunteers to those with children under five, helps many families in debt.
Scheme manager Jill Long said having someone to talk to could be a big relief, adding: "Our volunteers help with things from talking to creditors to providing advice."
* The CAB phone number in Huddersfield is 01484 425240.