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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Dry and cold with clear spells overnight, with frost possible in rural areas!
Our four regional teams will be looking to maintain their 100% European records this season when they go into action starting this evening.
The Queen has paid tribute to the spirit and dignity of the people of Aberfan, 50 years since the disaster which killed 116 children.