Renfrewshire Council

Top tips for managing debt on Blue Monday

Are you worried about debt and big bills after Christmas? You're not alone.

Today is Blue Monday, often described as the "most depressing day of the year" because it's the day bills from Christmas start arriving ahead of many people's pay day.

A third of all families will have spent more than they can afford at Christmas, leaving many struggling financially.

However, help is at hand. There are many organisations in Renfrewshire who can provide you with help and debt advice.

Organisations like Renfrewshire Citizens Advice Bureau and Renfrewshire Council's Advice Works give free, confidential advice on managing debt and what to do if big bills are due to arrive. You can contact Advice Renfrewshire by visiting or calling freephone 0808 164 2922. For more information on Renfrewshire Citizens Advice Bureau visit

Renfrewshire Affordable Credit Alliance, which is made up of a variety of organisations including credit unions and banks, can help you access fair and affordable forms of credit. For more information, visit

You can even start saving for next Christmas now through one of Renfrewshire's five credit unions, which help you save a small amount of money each week or month. For more information, visit

Published: Monday 21 January 2019