Lincolnshire families spend the less on their loved ones at Christmas than anyhwre else in the Uk - according to a new survey.
People in the county have come bottom of a Christmas spending league following the survey of people across the area.
The BBC survey suggests the average spend in the county is expected to be £433.16 - £30 less than the average across the areas surveyed.
The figures suggest that 52 per cent of people in Lincolnshire are worried about Christmas spending, the joint highest with Yorkshire.
However, only seven per cent of people said they may resort to borrowing.
Across Yorkshire, North Derbyshire and Lincolnshire half of those surveyed for the BBC said they were concerned about their festive spending.
Concern is highest amongst those aged 18-34 and those with children under 18.
Jane Symonds, money expert at the Money Advice Service, said: “Christmas can be an expensive time of year, but it’s important to know that you don’t have to live beyond your means to make it a fun time. A big financial hangover is the last thing anyone wants to start the New Year with.
“Planning ahead by looking carefully at costs will help you to take control of your spending and reduce some of the pressure. It’s best to avoid credit if you can, but if you need to borrow there are more options if you think ahead.”
Across all areas surveyed of those planning to borrow 68 per cent said they would use their credit card, 18 per cent plan to ask friends and family for help, 18 per cent will use their overdraft, six per cent will go to a pay day lender, six per cent will take out a loan, and 2% say they will go to a credit union.
On average people said they expected to borrow about £180.
Men said they were likely to borrow on average £214.76 while women said they expected to borrow about £146.36.
More than half of all borrowers said it would take them between a few weeks to a year to repay their debt.