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    More than half of Britons anticipate they will overspend this Christmas by as much as £174 each, new research has revealed.

    A study by Lloyds TSB has shown the country’s festive "spending hangover" will amount to £4.7 billion.

    Those aged between 45 and 54 are the most likely to blow their budget, with an average anticipated overspend of £214, the study revealed.

    Ian Larkin, managing director of consumer banking with Lloyds TSB, said it can be easy to overspend at Christmas.

    He said those anticipating overstretched finances should: "Set a budget, see where you can make savings and speak to your bank if you need a helping hand."

    However, for some Britons the high interest rates and effects of the credit crunch have caused the cost of maintaining their existing borrowing to rocket and put greater strain on the household income.

    One possible route to regaining control of problem debt is an individual voluntary arrangement (IVA) which ensures the troubled debtor only repays an affordable monthly amount.

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