As Christmas approaches, the Association has emphasised the importance of keeping track of spending and paying household bills on time so rent arrears do not become an additional worry.

While most people are aware that long-term non-payment of rent can result in the loss of a home, River Clyde Homes said few understand that failure to pay rent in full or on time can also set them on a path to long-term debt, particularly at this time of year when it’s harder to keep control of their spending.

Julie Allison, service improvement manager, said: “Before you start planning parties and buying presents, please think carefully about how much you can afford to spend and avoid the risk to keeping a roof over your head by missing rent payments.

“In most cases, rental arrears grow quickly and are often difficult to pay off, leaving you saddled with debt late into the New Year. Whilst Christmas is an expensive time of the year, withholding rent can also affect our ability to deliver high-quality housing services and community led-initiatives in your area.”

By engaging with tenants at the earliest opportunity, housing staff can work with them to prevent debt arising. With an abundance of help available 24/7, River Clyde Homes urged those struggling to get in contact.

Heather Mitchell, communities manager, added: “For many people the temptation at Christmas is to over commit and spend money they don’t have on things they don’t need. With records showing that each year rent arrears peak over the Christmas period, now is the time to seek free financial advice. Contacting our Financial Wellbeing Team at the earliest opportunity means that customers can work with staff to prevent long term problems and look forward to starting a new year debt free.”