People are still tackling Christmas debt.
A Midlands Financial Expert is urging people to be aware of their financial situations and not to avoid it.
This comes as Christmas credit card bills are still landing and households are trying to tackle debt.
CEO of Truewealth.ie in Portlaoise Shane Tobin believes it's essential to tie an emotional attachment to the numbers to make a start on clearing debt.
By doubling or topping up minimum payments, borrowers can shave years off repayment timelines and save thousands in interest.
Midlands 103's Courtney Callaghan spoke with Mr Tobin and he says clearing debt, frees up future income and opens the door to savings, security and new opportunities:
Midlands Wind Farm Opponents Face ‘Uphill Battle’
Laois Councillor Wants Clarity On NDP
"If You Build On A Floodplain, I Won't Protect You" - OPW Minister
Gardaí Investigate Laois Burglary
"The Right Action In The Wrong Location" - Action Group Campaigning Against Midlands Windfarm
Deadline For Observations on Westmeath Community Centre Tomorrow
Laois County Council Launch Youth Theatre Pilot Proposals
OPW Minister To Visit Waterford In March After Flooding
Epilepsy Day Highlighting Condition Prevalence In The Midlands
State Pathologist Reviews Ancient Human Remains Found In Westmeath
Revenue Seizes Over €105k In Midlands, Kilkenny, Dublin And Rosslare
Family of Offaly Father Seek Publication Of Report Into Death
Midlands Stars Survive Fright Night Under The Glitter Ball
Westmeath Library Reopening
Gardaí Make €1.7m Midlands Drug Seizure
Over €150k Raised For Offaly Teen's Recovery
Two Men Arrested Following Guns And Ammunition Seizure In Midlands
Rossie To Aussie Nurse Arrives Down Under For Fundraiser
Laois IFA Hold AGM To Demand Bord Bia Chair’s Resignation
Westmeath Man Pleads Guilty To Attacking Ex-Girlfriend's Car