As we prepare for a different Christmas, thousands of families will be carrying the mental exhaustion of an unwelcome guest - debt. Debt erodes confidence and brings a whole host of stresses, and strains this festive season. Furlough, income reduction, job losses have all taken their toll. The recent collapse of Debenhams and Arcadia put a further 25,000 jobs at risk, on top of the thousands of jobs already hanging by a thread. Our poorest communities are hit hardest, with little or no savings to fall back on, and are unable to cope with the income shocks that this year has brought. Heating or eating is a brutal choice for many families. Pray that those struggling with financial problems and feeling isolated will realise that they are not alone and there is no shame in needing debt advice. May those needing such advice be put in touch with the agencies who are able to support them.