Whangarei community organizations have warned earlier that they are getting carried away with costly purchases and then going through a financial menace.

Spokeswoman, Ngaire Rae of Manaia Health PHO assumed that this year for some people Christmas isn't a grand occasion.

Last year a survey was done by them with support agencies and they got awesome response that is Christmas is a very hectic time for them.

In the Christmas time require for the services of Women's Refuge increases, there is also rise in the demand of the Salvation Army at food banks and there is more call for emergency housing.

She assumed that loading credit cards is the biggest crisis. It has to enter into costly hire purchase or raising money from pawnbrokers and then finally finding the bills can't be met. She expresses her concern regarding double-dealer who offers easy credit.

Whangarei Citizens Advice Bureau coordinator, Moea Armstrong held that in the Christmas time there is a lot of unhappiness and violence. He insists people to follow The Federation of Family Budgeting, Otangarei Trust, Jigsaw North, Pa o Te Ora, Anglican Care Trust or Salvation Army well before Christmas for making financial arrangements advice.