The Money Advice and Budgeting Service (MABS) is a free, confidential and independent service for people in debt or at risk of getting into debt.
MABS has over 60 offices nationwide and is now providing a helpline service where people, for the price of a local call, can talk to a helpline adviser about their debt problems.
The MABS helpline number is 076 1072000, Monday to Friday 9am to 8pm. https://www.mabs.ie/en/
Do remember that January follows December. You don’t want the ghost of Christmas spending to haunt you in the New Year.