They've also been trying to save more in the face of worrying economic prospects.
Family budgets have been coming under heavy strain as incomes stagnate and inflation increases - and there's the fear of job losses.
So people have been busily repaying personal loans and overdrafts, to the tune of £200m in the last month alone.
And they're attempting to save more -- total savings are up more than 8 billion pounds so far in 2011.
But that's a smaller increase than last year as the rising cost of living soaks up spare cash.