Paisley and Renfrewshire people who are worried about post-Christmas debt are being urged to get the advice they need to help them tackle the January blues.
‘Blue Monday’ on 21 January 2019, is described as the “most depressing day of the year” as bills from the festive period start coming through doors ahead of many people’s pay day at the end of the month, typically on the 27th of the month.
A third of all families will have spent more money than they can afford at Christmas and with the New Year celebrations, leaving many struggling financially come the end of January.
Renfrewshire Citizens Advice Bureau and Renfrewshire Council’s Advice Works provide free and confidential advice on managing debt and what to do if big bills are expected.
Renfrewshire Affordable Credit Alliance, which is made up of a variety of organisations including credit unions, banks and Renfrewshire Council, can also help residents access fair and affordable forms of credit.
Councillor John Shaw, Convener of Finance, Resources and Customer Services at Renfrewshire Council, said: “January can feel depressing due to the dark days and long nights, but while no one can change the weather, there is plenty of help and support out there to manage debt.