Almost half of us will use credit cards and overdrafts to cover the cost of Christmas according to a new survey.
The Money Advice Service says 1.4 million people are planning to use pay day loans in December.
Francis Goodwin from the Christmas Starts With Christ Campaign told Premier it would be hard to avoid the commercialisation of the day.
He said: "How many people are there out there that really don't need more material things? I put my hand up, I am one.
"But I think the key things there, you put Church at the centre of it, Christ at the centre, family around you and a nice meal - you don't need lots of stuff."
The survey also showed UK adults will spend £2bn more on Christmas this year than last - a total of £26bn.
On average every adult will spend £530 on Christmas this year whilst 30% say they will find this Christmas harder to afford than last year.
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