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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Business Secretary Greg Clark said the UK Government was not prepared to back the Swansea Bay tidal lagoon project.
The pair met after Sheeran's concert for food at Park House restaurant in Cardiff.
An absolute sizzler of a week to come with blue skies and sunshine for all, with temperatures rising!