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    Financial concerns can cause "stress and unhappiness" to Britons, particularly following the heavy cost of Christmas, an expert has warned.

    James Caldwell, director of Fair Investment Company, suggested debtors create a budget and stick to it in order to bring their finances under control.

    He commented that while many Britons are concerned about their tightening belts following Christmas excesses, millions will be worrying about their finances.

    "Most money-saving is down to common sense. The less you spend, the further you can stretch your finances," Mr Caldwell continued.

    Those struggling to stretch their household income should look at switching credit card provider to take advantage of the best deals or hunting down a more competitive energy supplier, he added.

    Last month, Joanne Gills from debt management firm Chiltern warned that six million UK adults are struggling to manage their finances and one million claim they are "seriously overstretched".

    She suggested debtors consider an informal debt management plan.

    Other options open to those in problem debt include individual voluntary arrangements (IVAs) and consolidation loans.

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