Longer schools holidays mean many Northern Ireland families are struggling more with their finances, it has been claimed.
As children across the north return to school this week, Debt Action NI is urging people to seek advice as many cannot cope with the additional costs of summer holidays.
The money and debt service said with Northern Ireland having longer summer holidays than England and Wales, families were hit harder.
The charity, which has helped 16,000 people deal with £225 million of debt since August 2012, said the actual cost of summer added up when increased grocery bills, childcare costs and entertainment including days out put a strain on the family purse.
Those entitled to free school meals or low cost breakfast clubs are turning to food banks or borrowing money. Some who are unable to access mainstream credit also have to resort to high interest credit such as pay day loans or door step loans, running up overdrafts or borrowing from friends and family.
Working parents were also said to be hugely affected over the summer months with increased childcare and food costs. A recent survey showed one in three parents skipped a meal so that their child could eat during the school holidays.
Gemma Willis from Debt Action NI said this could be a very difficult time for many.
"Those most vulnerable, or low income families, find the summer holidays a stressful time and can lead to those getting into debt to manage children's expectations and the sheer cost of having extra mouths to feed for two months," she said.
"A report recently published by Morrison's stated the average debt accrued throughout the summer holidays could reach up to as much £500 per household. Meanwhile, as children go back to school, the added cost of school uniforms lead to further financial strain.
"According to an American Express report, the average school uniform cost in Northern Ireland is £202 per child and is £25 higher than the UK average of £177.30. It's no wonder families struggle to make ends meet."
In 2014/15, 97,517 children in the north were eligible for free school meals.
"We urge families struggling to cope with mounting financial strains over the summer months to seek advice," Ms Willis added.
"We can offer free and confidential debt advice, speak to your creditors and try to negotiate lower payments where appropriate. We can also make referrals to local foodbanks where necessary."
:: Debt Action NI can be contacted by calling freephone 0800 917 4607. For further information visit www.debtaction-ni.net.
