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Housing and homelessness charity Shelter says more than two million people are using credit cards to pay their mortgage or rent.
The Church of England is launching a user-friendly online resource for working out a household spending budget, emphasising that Christian faith encourages a philosophy of "enough", rather than seeking consolation by over spending.
The Church of England has compiled a Post Christmas Debt Check for consumers worried about how much their wallets have been hit by Christmas and New Year spending.