As the clocks go back in the UK for daylight saving, debt problems are lurking just around the corner in the run up to Christmas.
That's the view of many financial analysts who say that the darker evenings combined with the growth of online shopping mean that many people will quickly be finding themselves in debt.
January is the peak season for debt help companies in the aftermath of Christmas spending, and the advice is to gradually pick up the things you need instead of buying them in one burst.