Money is tight in our house and I’m already starting to worry about how we’re going to pay for Christmas this year. I don’t want to disappoint the kids, but just can’t see how we’re going to do it. Any suggestions?”

Just a typical morning at the Citizens Advice Bureau in Oxford, according to volunteer Frank Newhoffer.

He said: “Citizens Advice volunteers try to provide the information that people need but also act to try to improve the policies and practices that impact on people’s lives.”

The Citizens Advice service across Oxfordshire, and nationally, helps people resolve their legal, money and other problems by providing free, independent and confidential advice.

Clients approach the service with a range of issues.

Sometimes questions are sparked by national news, such as the miss-selling of payment protection insurance, or from families who are worried they will be asked to leave their council house where they have lived for decades after their children have flown the nest.

Some people may have been told their sickness or disability benefits may stop, but feel in no state to go back to work so are worried about managing their rent and other bills.

Other people want to know how to stop nuisance telephone calls and text messages. Volunteer advisers have a challenging, rewarding and varied role.

Frank continued: “Last year in Oxford we helped nearly 7,000 people. Our outreach advisers work in a range of settings including GP surgeries, children’s centres and Maggie’s Cancer Centre.

Last year we provided 230 people with new skills to help them manage their financial affairs. “Our client numbers in Oxford increased by 700 last year and we expect an even greater increase next year as ‘Universal Credit’ comes in to play. Social Policy Teams across Oxfordshire will collate evidence and help Citizens Advice nationally to argue for changes wherever they are needed”.

If you’re looking for information or advice on any of the questions above – or others – telephone visit Citizens Advice Oxfordshire’s website caox.org.uk or telephone 08444 111 444 to find out the location of your nearest service.

Alternatively visit adviceguide.org.uk for online frequently asked questions and factsheets.