Dear Sir, Christmas is over again for another year, but now the bills start coming in,and sadly many families are now in debt.

Financial mismanagement puts a great strain on people's and families' life.

I have been in this position and debt is no fun and the one thing I learned was to take action as soon as possible.

There is a website you can go to and that is the MONEY ADVICE SERVICE SCOTLAND TEL NO 0141---572---0237, Email info@Money.advice.scotland.org.uk this website gives advice on where you can get advice on subjects like debt, pensions insurance money management etc, or go to the Cowdenbeath branch of Citizens Advice Bureau Scotland.

If you are in debt take action as soon as possible because if you do not do that it will simply get worse.

There are three national debt counselling agencies that offer good advice and do not charge you and they are 1 Christians against Poverty; 2 Payplan; 3 Debt Advice Foundation, all these organisations can be found on the internet.

Do you have difficulty handling and budgeting money, would you like to do a course in money management that was voted by Mr Martin Lewis of Money Saving Expert.com fame as the best course of its kind he had ever come across.

It helps you to take back control of your finances and over 100,000 people have done the course already.

The course goes on for three weeks for one night a week and costs nothing. if you want to know if there is a course nearby look at this website WWW.CAP.MONEY.ORG.UK

DAVID BALL.