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:
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