Post-Christmas cash crisis

January is the worst time of year for those struggling with debt according to the Citizens Advice Bureau, with many families turning to pawnbrokers to get the cash they need.

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Drop-in debt advice

Debt and benefit surgeries are being run in Carmarthenshire for residents struggling with debt.

RDP Sir Gâr are hosting free drop-in surgeries advising on benefit claims, debt management, entitlement checks, getting back to work and budgeting.

The surgeries are part of the Rural Community Inclusion project that aims to increase the availability and accessibility of basic services and facilities in rural areas.

The idea is to reach out to people who are unable to access central services. People can come to me with a whole range of queries.

In terms of debts, it can be anything from basic budgeting to more complicated things like dealing with creditors.

– Bex Llewhelin, surgery organiser

To find out more contact: Bex Llewhelin rsllewhelin@carmarthenshire.gov.uk or call

01267 242 344 / 07717 527252.

Debt advice at hand

. Credit: Owen Humphreys/PA Wire/Press Association Images

According to the Citizens Advice Bureau, more people than ever before have taken out payday loans over this festive season than ever before.

Anyone struggling to pay off their Christmas spending can get free advice on how to deal with their debt from the Citizens Advice Bureau.

Other groups offering help include debt charity Stepchange which has a free helpline 0800 138 1111 and a 24-hour anonymous online counselling service, and National Debtline which offers free, confidential advice on 0808 808 4000.

Families facing cash crisis

January is the worst time of year for those struggling with debt, according to the Citizens' Advice Bureau.

Many families are feeling the pinch as they begin to count the cost of their festive spending with research finding that around 5million British adults are considering taking out a payday loan in the next six months.

Pawnbroker Robin Rosalski, of Get Cash Quick in Queensferry, has been in business for 13 years and says he's never known it to be so busy.

He says people are so desperate, they are pawning everything and anything, from war medals to cars.