 It was a cold, harsh January that were all eager to forget, and with good reason -- over a fifth of Irish people were in debt last month due to overspending at Christmas. Research from One4all shows that 21pc were still paying off Christmas in January, rising to 37pc for people with kids aged 6-12, after borrowing or using credit cards to pay for all the trappings. And with the financial pressure comes stress and anxiety for a third of us 34pc, rising to 44pc among people with young kids. Naturally, paying off Christmas debts made January 36pc of respondents 