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The number of Brits taking out and using credit cards is falling, however, borrowing is fast being replaced by high interest payday loans.

Homeowners in Leeds and north London will be locking their doors and joining neighbourhood watch schemes in a bid to protect themselves against thieves, as the two regions are named hotspots for burglaries.

Credit card debt and fraud levels have fallen according to the UK Cards Association.

The impact of the global recession on UK families has been made abundantly clear by the latest figures showing that Brits have an average of nine times less savings than the Chinese.

Millions of Brits have hundreds of pounds worth of loyalty points uncollected.

Brits hoping to beat off the winter blues by bagging a holiday bargain have booked early in the January sales.