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Millions in households in England and Wales are stuck in the red, a charity has warned. Citizens Advice says 4 million people spending more on essentials than they earn amid ever-increasing bills.

The debt charity said that on top of the millions who are stuck in the red a further 580,000 were at risk of falling into crisis, with just £50 left at the end of the month.

Yvonne Parks, a debt team manager at Citizens Advice South Gloucestershire, said: “I have been a specialist debt adviser now for 30 years and, although there have always been clients with negative budgets, these were the exception.

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“Now we are seeing around half of all debt clients stuck in the red.”

Citizens Advice said in the 20

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