People in Lincolnshire have come bottom of a Christmas spending league following a survey of more than 1,200 people across the county and Yorkshire.
The BBC survey suggests the average spend in the county is expected to be £433.16 - £30 less than the average across the areas surveyed.
The figures suggest 52% of people in Lincolnshire are worried about Christmas spending, the joint highest.
However, only 7% of people said they may resort to borrowing.
People in North Yorkshire are expected to spend the most at £508.82 while the average spend across Yorkshire, North Derbyshire and Lincolnshire is expected to be £463.83.
Across Yorkshire, North Derbyshire and Lincolnshire 50% of people surveyed for the BBC said they were concerned about their festive spending.
Concern is highest amongst those aged 18-34 and those with children under 18.
Jane Symonds, money expert at the Money Advice Service, said: "Christmas can be an expensive time of year, but it's important to know that you don't have to live beyond your means to make it a fun time. A big financial hangover is the last thing anyone wants to start the new year with.
"Planning ahead by looking carefully at costs will help you to take control of your spending and reduce some of the pressure. It's best to avoid credit if you can, but if you need to borrow there are more options if you think ahead."
Across the areas surveyed those planning to borrow 68% said they would use their credit card, 18% plan to ask friends and family for help, 18% will use their overdraft, six percent will go to a pay day lender, six percent will take out a loan, and two percent say they will go to a credit union.
On average people said they expected to borrow about £180.
Men said they were likely to borrow on average £214.76, while women said they expected to borrow about £146.36.
More than half of all borrowers said it would take them between a few weeks to a year to repay their debt.
Kevin Peachey, personal finance reporter, BBC News
Financial advisers say it is never too late to draw up a budget for your Christmas spending.
Those who get into trouble often forget to factor in those little extras that add to the festive bill.
So, as well as presents, food and travel, advisers urge families not to ignore the cost of replacing decorations, calling relatives and even taking the children to Santa's grotto.
They suggest shopping around on the internet for all these things to get the best deal.
Those who turn to credit may be deferring the pain, but missing repayments in the new year could start or continue a debt spiral that may be difficult to pull out of.
Instead, advisers say, keep things under control this year, and start saving now to bring some Christmas 2015 cheer to your family and your finances.
Market research agency ComRes interviewed 1,270 people across Yorkshire and Lincolnshire, of which 501 were in West Yorkshire, 305 were in South Yorkshire and North Derbyshire, 335 in North Yorkshire, 179 in East Yorkshire and northern Lincolnshire and 189 in Lincolnshire.
The online survey was carried out for BBC Radio Lincolnshire between 27 November and 1 December.