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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A cloudy night through many central and western parts, clearer skies at times in the east. A mild night with brisk southwesterly winds.