After a particularly turbulent year in terms of finances many of us found that we seem to be borrowing more as a result of being short of cash. High living costs such as energy bills, petrol, and food have all impacted on household finances over the past year, and many people have had to dip into savings to get through the year. However, with Christmas only just over many may now find that their savings are pretty much wiped out, and some will find that they have to turn to borrowing in order