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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The Cardiff-born centre, who celebrated his 24th birthday earlier this month, has signed a two-year deal with the region.
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The Welsh Government has invested £2.5 million in a new purpose designed facility for St Asaph-based company Qioptiq.