Christians Against Poverty (CAP) has launched a new nationwide campaign aimed at helping millions of U.K. adults struggling with financial anxiety in the aftermath of the Christmas season, as rising household costs deepen pressure on already stretched budgets.
The “Break the Debt Blues” campaign, launched this month, comes as an estimated 5.3 million adults report that the festive season added significant pressure to already stretched budgets, according to CAP. The charity says many now face the new year with deep concern as rising household bills erode their income, creating what the charity describes as a “frightening financial reality.”
In response, CAP says it offers free, face-to-face debt help and money coaching throughout the U.K. The charity also provides a suite of online tools to help individuals regain control of their finances.
CAP Chief Executive Officer Stewart McCulloch noted that while the first weeks of the year often prove difficult, the financial strain is now acute for millions.
“We know that over 15 million people in the U.K. suffer daily anxiety about their finances, and the post-Christmas period often adds more pressure,” McCulloch said. “Our message with our Break the Debt Blues campaign is simple: you do not have to face this alone. Whether you need a full debt solution or just some help to talk through and plan a budget that actually works, free help is available.”
McCulloch encouraged those hesitant to seek help, emphasizing the accessibility of the service.
“On that first call, we’ll connect you with your nearest debt centre, provided in partnership with a local church, and arrange for one of our debt coaches to meet you in person,” McCulloch said.
“So many people appreciate that face-to-face support; it gives us the chance to sit down, chat, and properly understand what you are going through. Whether you’re facing a mountain of unopened letters or just don’t know where to start, we can help you gather everything needed to put a plan in place.”
To help those worried about debt in 2026, CAP suggests five practical steps:
First, conduct a “benefits check-up.” Millions of pounds in grants and benefits go unclaimed annually. CAP encourages everyone, including those in employment, to use a free online benefits calculator to identify potential missing income.
Second, audit all subscriptions. Individuals often forget about TV, music, and app subscriptions. Checking bank statements for unused direct debits can lead to significant savings; canceling just two unused services could save over £200 a year.
Third, check contract statuses. Loyalty rarely pays when it comes to broadband or mobile phone providers. Those out of contract likely overpay and should switch providers or negotiate with their current company to lock in lower rates for 2026.
Fourth, attempt a “no-spend” challenge. Designating specific days in January and February to buy only absolute essentials helps reset spending habits formed during the holiday rush.
Finally, seek help early. Those facing unmanageable debt should not wait, as earlier intervention provides more options for recovery. Charities like CAP offer free, FCA-accredited debt help.
