This is the best summary I could come up with:

Millions of people will have to make stark financial choices this Christmas including choosing between buying food or presents and be unable to afford to keep their homes warm through the festive season, according to new research by National Debtline.

About 6.5 million people will struggle to heat their homes sufficiently this festive season, while 2.7 million will have to choose between buying food or presents, highlighting the drastic impact the cost of living crisis continues to have on household budgets.

“This Christmas the cost of living crisis is set to be felt more than ever with millions of people struggling to heat their homes and many experiencing money worries,” said David Cheadle, the acting chief executive of the Money Advice Trust, the charity that runs National Debtline.

The survey of 2,000 UK adults also found that many consumers are likely to turn to credit cards and other repayment methods, including buy now, pay later providers such as Klarna and Clearpay.

“We remain deeply concerned about the long-term impact that rising arrears will have on household finances going into 2024 and beyond,” said Cheadle.

National Debtline said the situation could prove to be a ticking timebomb with many of those in debt keeping it secret as they struggle with their personal finances.

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