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.
More top news
The temperature fell to -10C in Powys and there is a yellow 'be aware' warning of ice until 11.00am
In Rhianna's memory £50,000 will be used to expand a play area in Gnoll Country Park for both disabled and non-disabled children to enjoy.
A report to be published today will recommend how many more Assembly Members there should be