A staggering 26 million of us risk heading into 2011 with Christmas debt. That’s according to new research which found around 21% of people will need to borrow money on credit cards, loans or hire purchase, or don’t know how they will pay for Christmas. So how can we limit the damage to our finances come January? Earlier our reporter Julian Fisher spoke to Professor Karen J. Pine, the author of Sheconomics a guide to help you master your money, to find out how you can have a savvy Christmas…