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
Wrexham man Christopher Matthew Griffiths has been jailed for cutting his dog's ears off. Traces of cocaine were found in the dog's urine.
Stephen 'Beano' Pike stabbed his neighbour Clint Simms on his doorstep in Ely, Cardiff. He was jailed for life at Cardiff Crown Court today.
Police appeal after a man sexually assaulted a teenage girl sat beside him on an Arriva train to between Cardiff and Pontypridd.