I wonder if Santa is worried about paying the rent at the North Pole this year.

Not to mention feeding all those elves and reindeers, while they are busy preparing to do their super-sonic flight around the globe in one night.

The Debtfix Crew have written to him and here’s their Christmas wish list for a debt-free Christmas.

If you’re worried about money right now you are not alone.

Last month it was revealed that “concern about personal finances is now considered to be the biggest impact on New Zealanders’ mental wellbeing, likely related to the increased cost of living.”

Now we are in the Christmas and summer holiday season, which is one of the most challenging times of the year for everyone. There is help.

When you are just making do, all it takes is one serious accident to suddenly mean you can’t make do. For hardworking Duane, it was a back injury that took him out of his timber mill job and while he recuperated his ACC income was 20 per cent less than usual.

Throw in a global pandemic when he was just getting back into fulltime work, along with his wife losing her job, and you have a seemingly insurmountable financial blizzard.

There is nothing like the relief we feel when a problem is resolved, and we have choices about our future.

The Debtfix Crew has seen it often and they know people do move on when they get debt under control. They love nothing more than seeing a person turn their life around and move on to a more positive future – all because of a debt solution.

You would be hard pressed to find an adult in New Zealand who doesn’t have some debt, because even signing up for electricity supply or mobile phone plans are both forms of debt.

The Debtfix Crew has noticed many people have similar experiences when debt threatens to swamp them.

What are some warning signs your debt is getting out of control?

When people are vulnerable it is so easy for them to pile up mountains of debt, which further adds to their distress and feelings of hopelessness.

Two years ago, Racheal (not her real name) was at a financial and emotional rock-bottom when she turned to Debtfix for help.