Research by the Competition and Consumer Protection Commission reveals that Irish consumers expect to spend about 14% more on Christmas this year, averaging €1,177. Rising prices and pressure to buy gifts are significant factors influencing this increase. Many intend to utilize savings, while 20% plan to borrow an average of €631. Additionally, the study highlights concerns over Christmas debt repayment, with 54% anticipating it will take over a month to settle. Consumer experiences with gift cards reveal numerous issues, prompting advice on better credit options and gift-giving strategies.