The day that one in six UK adults will run out of money for January

January is often a difficult money to budget for after the blowout of Christmas - (Getty/iStock)

The financial strain of winter bills and festive spending is set to hit hard this month, with a third (35 per cent) of people expecting to run short of cash before January concludes, according to a new survey.

For many, the pinch will be felt even sooner.