Credit Action have warned consumers that now is a bad time to be struggling with debt problems, so cutting out non-essential purchases is essential.
Rising inflation has pushed up the levels of household debt from utility bills, food and other essential items, meaning the many people have very little disposable income.
Credit Action have moved to warn consumers that with the UK economy the way it currently is, spending beyond your means is a terrible mistake.
Chris Tapp, director of the group added, "For most people what it (rising inflation) is going to mean is looking for ways to cut back."