WEST Devon Citizens Advice Bureau is urging people to start the new year with good resolutions to manage their money. Last year Citizens Advice dealt with over 1.4-million new debt problems and people are paying a high price for being ill informed and unconfident when it comes to crucial financial decisions. The debt hangover from Christmas could turn into a nightmare if people ignore it, so here are a few tips from West Devon CAB. l Be wary of consolidating your debts, get advice and don't put your home unnecessarily at risk l Plan to build up an emergency savings fund l Shop around for the best savings rates and check regularly that it is still the best deals l Check out tax efficient ways to save money like cash ISAs l Be wary of low interest credit card transfers. Check the terms and conditions carefully l Shop around for the best services from banks and loan companies l Always compare prices before renewing insurances l Find out about your local Credit Union l Check that you are not missing out on money that you should be getting in tax rebates, allowances, tax credits or benefits. The CAB can help check this for you. West Devon Bureau Manager Barbara Osborne said: 'All too often we see people when they've already reached crisis point or can no longer cope with their problems. Yet by carrying out a regular financial overhaul and taking some preventative measures many problems could be averted before they become crises.' The West Devon Bureau has two main sites in Okehampton and Tavistock, and can be contacted on 01837 52574 or 01822 612359. The bureau also offers home visits and outreach appointments, details are available on 01837 52105.