In the clip, you hear Terese talk about how she took out SMS loans several times a week.

West Swedish Terese Jonasson's husband got caught in a gambling abuse in the nineties. In the beginning he played most on football and trot, then when the online casino came it went out. And the months before Christmas he started playing more and more to get money together for the Christmas presents.

- He was so keen that the children should have Christmas presents, so he played to win. But it was always the forest. We never had any money around Christmas, says Terese Jonasson.

Had debts of SEK 750,000

Terese became co-dependent and tried to save the family's difficult situation. So they lived as well as they could on her salary. The day before Christmas Eve when she got her money they went and bought all the Christmas presents and Christmas food. Then they had no money to pay the rent and bills.

She took many quick SMS loans to save the situation. When it was worst she could take several quick loans a week. In the end she had debts of SEK 750,000.

- I didn't feel anything in the end, I was turned off as well. I was just driving on thinking about fixing money for next and next month.

Soon debt free

Now Terese Jonasson is soon debt free. But Christmas is still a loaded time.

- I'd rather work on Christmas Eve, I can't feel joy over Christmas.