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    As many as one in four British consumers confess that they feel the need to "treat themselves" despite the fact that many of them are struggling with serious debt problems.

    In fact, figures from the cahoot banking group suggest that around 13 per cent of UK consumers are making their money problems worse in order to keep up their shopping habits.

    And while a quarter of adults admit that they have such a habit, a majority insist that they make cut backs in other areas in order to cover the costs of buying new clothes.

    Matthew Timms, director at cahoots, said: "Despite the credit crunch, it seems the UK fashionistas are finding it hard to cure their ‘habit’."

    Last week, CreditExpert reported that while a vast majority of British adults feel they have a good awareness of their own money problems, only a quarter can accurately state how much they owe to their creditors.

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