As we head towards the end of January, the dust from Christmas has now settled and we’re all more or less back to normal. However, with figures showing that more than 40% of parents went into debt over Christmas, some of us may struggle for quite some time to recover from overspending during the Christmas period. Apparently, the average household blew more than £800 on Christmas and, while that might seem like a fairly modest amount to some, it represents a lot of money to households struggling to make ends meet on a monthly basis. Debts can spiral out of