The Debt Advice Service is free for anyone who is worried about bills that are in arrears or struggling to meet regular monthly payments.
Isle of Man residents are being encouraged to plan their spending carefully as the festive season approaches.
Debt Advice Coordinator at the Salvation Army, Debbie White, says sticking to a budget while Christmas shopping is key to avoiding unnecessary financial pressure.
She adds that keeping a close eye on spending is particularly important, as January can be a difficult month for many households.
Debbie understands the sales can be tempting, but only if you actually have the money to spare:
The Debt Advice Service is free for anyone who is worried about bills that are in arrears or struggling to meet regular monthly payments.
Anyone wants to know more can call 339660 or 675702 or email iomdas@salvationarmy.org.uk
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