Requests for debt and financial advice across Cornwall are expected to spike in January as people face a post-Christmas squeeze or aim to start planning for the future.

Citizens Advice Cornwall is expecting more than 370 people to seek advice on financial matters this month, which it says is more than at any other time of the year.

Analysis across the country shows demand for money and debt advice is highest in the first two months of the year, with one person contacting their nearest Citizens Advice for help every 11 seconds and people visiting the Citizens Advice website every three seconds in January.

Along with debt help, Citizens Advice is also expecting people in Cornwall to contact them with money queries as they take stock of their financial situation and plan for the long-term.

Citizens Advice Cornwall anticipates that the most popular money queries will be how to budget and manage money as well as debt relief orders, while the most common questions around managing debt will cover council tax arrears, credit, store and charge card debts, and water supply bills.

Neil Colquhoun, chief executive of Citizens Advice Cornwall said: “January is a great time to take stock of your finances and think about your priorities for the future, not just for the next month but for the next year and beyond.

“Although many people will be focusing on their next paycheque after the busy Christmas period, people can also use the time to review whether they can save money on their bills or set a savings goal.

“Whether you’re looking to deal with debts, cut your costs or budget better, Citizens Advice can help you review your overall money situation so you can make decisions that improve your financial security.”

For information and advice, contact Citizens Advice by texting the word “ADVICE” to 78866 or calling us on 03444-111444 Mondays to Fridays between 10am and 4pm.

Citizens Advice Cornwall’s has offered some tips for getting your finances in order:

Do a simple budget: Write down your income and take away your essential bills such as gas and electric, food and transport. Plan in advance how to spend or save any leftover cash, or try to cut your costs if you have no extra.

Save money on essentials: You could save an average of £300 on your energy bill by changing tariffs or suppliers. Use annual contract renewal dates for your phone or car insurance to search for a cheaper deal.

Check you’re claiming the right benefits: Can you apply for working tax credits or marriage tax allowance on gov.co.uk, get a discount on your council tax bill, or are you eligible for discounts on water or energy bills?

Start saving: It doesn’t matter if it’s 50p or £5 a week, saving gives you a buffer for emergencies, helps buy bigger items and gives future financial security.

Keep tabs on your overdraft: Use free text alerts from your bank.

Be choosy about your borrowing: If you must borrow, examine different offers with credit cards and loans.

Get your debts in order: Prioritise, with rent or mortgage and council tax before things like credit card debt.

Invest in your future: Look at your pension options, and consider paying more than the minimum. if you have your own pension make sure it’s with a regulated company.