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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Well Ex-hurricane Gonzalo certainly made for some heavy weather today. But the winds are already easing.
Club members are being reminded of an official warning scheme, with repeat offenders being asked to leave.
The charity warns it expects a rise in abandonments as Christmas approaches.