Julia's story is so common that the charity Mind has set up a credit union in its office in Ystradgynlais to help people who get into serious debt because of their mental health problems.
Julia Chaffe from Ystradgynlais found herself in more than £6000 of debt after going on huge spending sprees while on highs caused by her bipolar disorder.
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Council have until today to say if the plan to merge. Minister Leighton Andrews says joining together will create "significant savings"
Mainly cloudy, with a little patchy, light rain in the southeast this afternoon. Some brighter spells in the west at times.
A largely dry, cloudy and mild night with fog patches mainly confined to higher ground. Blustery along the coast.