Christians Against Poverty are calling on Exmouth residents to save for Christmas, rather than take out a loan to pay for festivities.

Christians Against Poverty (CAP), who offer assistance to those in debt, are advising people to put away money now to avoid panic in the festive season.

Exmouth’s CAP manager Reverend John Graver said: “People panic at the last minute that they aren’t going to have a great time and that makes them do rash things, like take out loans for Christmas.”

CAP is a national Christian charity that aims to offer hope and solutions through free debt help counselling.

The service is available for people of all faiths and backgrounds however.

John Graver added: “We want people to remember that the most heart-warming things about Christmas… cost almost nothing.”

Exmouth’s CAP centre is based in North Street, and can be contacted on 0800 328 0006.