For many people in the UK, getting into debt is becoming an accepted issue, according to a leading financial education charity.
pfeg's policy director, Alastair Matthews, said that social trends in Britain have changed so much that it is now normal for people to "buy now and pay later", rather than save for items as people would have previously.
He added that the UK's developed financial market has helped to change attitudes on the issue, with many firms offering easy loans and credit to consumers.
Mr Matthews said: "Added to this, we have a changing culture from the traditional British attitude of wanting something and saving for it where maybe you waited for half a lifetime for it to now, where the feeling is 'if I want something, I'll have it and I'll think of how to pay for it later'."
Recent research by Credit Action found that the amount of personal debt in the UK has risen by ten per cent on figures for last year, now standing at £1,380 billion.
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