Is the thought of your New Year credit card bill taking the sparkle out of the festivities? As the holiday season fast approaches many people can find themselves falling into a festive debt trap and spending money they don’t have on expensive gifts.

With the ongoing cost-of-living crisis, there’s even more pressure on shoppers to be savvy when spending to ensure they keep out of the debt danger zone. We are in conversation with Founder of PS Debt Management, Paulvia Shiburi as she gives us tips on how to avoiding credit card debt this festive season.