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Sutton’s Citizens Advice top tips to avoid that Christmas debt hangover

Citizens Advice Sutton is concerned that increased numbers of residents will experience a Christmas debt hangover.  The local charity’s specialist debt team who provides face to face, specialist debt advice to over 1000 clients a year have provided some tips for keeping out of debt.
 Citizens Advice Sutton’s tips to avoid a post -Christmas debt hangover

Work out a budget and stick to it.
Many people will be paid early just before Christmas –remember that those December wages will have to cover everyday bills and last longer than a month.
Watch your bank balance –exceeding your overdraft limit can be expensive and even authorised overdrafts can cost over a hundred pounds a year in charges.
Check the dates of standing orders / direct debits as it can be expensive if they are refused or push you over the overdraft limit.
Don’t take out extended credit agreements unless they really do work out cheaper and you are confident you will have sufficient  income to cover the payments
Be wary of extended warranties; remember you have consumer rights to reject goods that are faulty
Short term credit is expensive.  A typical pay day lender will charge £50 for borrowing £100 for three months. Never borrow from unauthorised lenders (loan sharks)

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Sutton Cricket Club


Sutton Voice is proud to be working with Sutton Cricket Club to highlight the results activites and facilties of one of the borough's largest and most successful sporting organisations.

For full details of all of the club go to SUTTON CRICKET CLUB 



Sutton High School is an independent day school for girls aged 3-18. Founded in 1884 by the GDST, it continues to provide an academically rigorous and challenging education within the framework of a caring and supportive community.

It was the London Borough of Sutton’s highest placed girls’ school in The Times A Level Results Table August 2015 and GCSE results also saw an increase in the percentage of A* grades, up to 32%, with 40% of girls achieving 9 or more A* or A grades. Come and see for yourself why The Good Schools Guide describes Sutton High as “a school to watch”.  Places for our Open Events can be booked online at



Is your child two or going to be two in the next school year? They may be eligible for up to 15 hours of free weekly childcare!

*The scheme is available to Sutton residents who earn less than £16,190, receive Child Tax Credit, Working Tax Credit, Income Support, or other benefits, from the term after a child's second birthday, thanks to funding from the government.

The free childcare can be provided by nurseries, childminders, pre-schools or playgroups.

For more information visit or contact the Sutton Family Information Service on 020 8770 6000




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