This list from Citizens Advice Sunderland aims to ease pressure on people's household budgets.

12 tips for Christmas from Citizens Advice Sunderland

Citizens Advice in Sunderland has released a list of tips to help people in the run-up to Christmas.

The charity wants to help households avoid pressure on their budgets, and keep family finances healthy. In Sunderland, advisers have helped more than 2,100 people with debt problems over the past 12 months. Their practical advice includes planning early, avoiding unauthorised overdrafts and checking all of the available information before using credit. You can visit Citizens Advice Sunderland in the city's Waterloo Place office or at The Galleries in Washington.

Plan how much you are going to spend on each person and stick to it.

1. Plan early

Plan how much you are going to spend on each person and stick to it.
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It may be Christmas, but keep on top of priority bills, such as rent and council tax.

2. Don't forget everyday bills

It may be Christmas, but keep on top of priority bills, such as rent and council tax.
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Don't run up an overdraft without first chatting to your bank, or it could be costly.

3. Think twice about overdrafts

Don't run up an overdraft without first chatting to your bank, or it could be costly.
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Pay for your goods with cash or a debit card if you can. Don't be persuaded to take out credit.

4. Keep it simple

Pay for your goods with cash or a debit card if you can. Don't be persuaded to take out credit.
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