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
Close interest is being paid in Wales to the recommendations of the Smith Commission for future devolution to Scotland
Cloudy and damp evening and night with low cloud giving hill fog and patchy drizzle.
A Cardiff-born Conservative MP claims her mother died as a result of failings in the Welsh NHS