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
Showers will be replaced by more persistent rain this evening, with some heavy outbreaks expected. The rain will become patchier overnight.
Mary Owen has been working at the school in Old Colwyn for 46 years and still loves her job as much now as she did at the very beginning.
The latest weather forecast for Wales.