Credit Action say that families need to be wary about debt in the current economic climate with utility bills rising and credit becoming more difficult to obtain.
In particular the group say that credit cards need to be monitored and avoided wherever possible because paying monthly bills puts a real squeeze on a families budget.
Director of Credit Action, Chris Tapp commented, "When inflation kicks in, people find that more of their take-home salary is taken up paying for day-to-day expenses".