According to recent data, approximately 2m households are struggling to afford internet access, broadband, and mobile phone bills.

Your final debt payment will have been a huge weight off your shoulders. Check out our tips for a better financial future going forwards.

We've teamed up with MoneyNerd to bring you the only guide you'll need to get you started on your journey to financial wellness.

Christmas should be the most wonderful time of the year, not a time for getting into debt that you’ll struggle with for the next 12 months.