www.ctvvancouverisland.ca http VICTORIA – With fewer than ten shopping days until Christmas, the panic to find the perfect present is starting to set in. With that added stress comes a greater chance of blowing your holiday budget if you have one at all. A new Statistics Canada survey says a record number of us are going into debt, digging a hole that is difficult to get out of. Tips for staying on track include managing your debts now, not waiting until January when you get your bills, and making a plan. If you need help, go to your financial institution or an organization such as the Credit Counseling Society at www.nomoredebts.org Follow Louise Hartland on Twitter: www.twitter.com