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.
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Luke Dennis Wilson, 26, a joiner, had persuaded his grandfather to let him look after his financial affairs.
The Met Office has issued a Yellow 'Be Aware' warning for strong winds and gusts of 60-70mph on exposed coastal areas
Breezy with further showers, locally heavy, spreading in from the west at times.