He highlights store cards and credit cards, both of which can have high interest rates attached, as being priorities for many consumers.
As such, the latest energy bill or tax invoice can occasionally be put to the bottom of the pile.
"It's the reality of spending that often hits in January when the bills begin to arrive. Worse still is that families may go without basic essentials, or avoid paying priority bills," states Mr Rodger.
Recent research by MyVoucherCodes.co.uk found January is the pinnacle of borrowing during the year, with 26 per cent of people who rely on lenders doing so in the month.
Posted by Richard Eden
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