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Household debt in the UK is still at a record high - between us, we owe nearly 拢2 trillion on mortgages, credit cards, loans and overdrafts. With inflation rising and wages stagnating, debt charities say many consumers are having to borrow just to make ends meet. As the Christmas credit card bills start arriving, how much have you borrowed and what are your plans to repay your debts? Can you afford your monthly repayments or are you living on the never never? Adam Shaw and a panel of experts will be answering your questions on how to get your finances under control.

Call 03700 100 444 from 1pm to 3.30pm on Wednesday 17 January 2018. Standard geographic charges from landlines and mobiles will apply. Or e-mail moneybox@bbc.co.uk

Guests:
Lynn James, Founder of the personal finance blog, Mrs Mummypenny
Daniel Kelly from Christians Against Poverty
Dennis Hussey, National Debtline Adviser

Presenter: Adam Shaw
Producer: Sally Abrahams.