The lack of a financial safety net means many have to borrow money to cover any extra costs, creating greater anxiety about their plight.Debt advisors are expecting a sharp increase in enquiries over the winter as people struggle to fund higher food and energy bills, with little to fall back on.If those figures reflect the UK as a whole, then millions of people will have little or nothing as a savings buffer.Her energy provider told her to seek help from a debt charity, but she said she was scared to do so.By dealing with the problem head on, people can discover just how helpful free debt advice can be and see the importance of talking to their creditors early."