It’s been a tough year for millions of people, and 2023 is looking even worse. Here are some remedies to try

Are your finances feeling (even more) fragile as a result of Christmas spending? It’s been a really tough year financially for millions of people, and with a recession looming, mortgage and rent costs rising and the energy price guarantee becoming less generous from April, 2023 looks set to be even more challenging.

If you are in serious financial difficulty, seek free advice from an organisation such as StepChange or National Debtline as soon as possible.

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