She added: "I think it is going to be harder to save, but the thing we need to drum in more than anything else is that we've got to start paying off and get away from using credit all the time.
"I think that's really what got us here in the first place so we need to think of other methods and hopefully turn things around."
Research carried out by Credit Action at the start of the year found that total UK personal debt exceeded £1.25 trillion at the end of November 2006.
The study also found that average household debt in the UK, excluding mortgages, stands out £8,765.
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