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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Rain overnight turning light and patchy in the morning.
Most of us will have a pleasant and dry evening with a few late sunny spells, though the odd light shower is possible.
The Eisteddfod's intention to visit an area must be proclaimed at least a year and a day before the beginning of the festival.