January is the worst time of year for those struggling with debt, according to the Citizens' Advice Bureau.
Many families are feeling the pinch as they begin to count the cost of their festive spending with research finding that around 5million British adults are considering taking out a payday loan in the next six months.
Pawnbroker Robin Rosalski, of Get Cash Quick in Queensferry, has been in business for 13 years and says he's never known it to be so busy.
He says people are so desperate, they are pawning everything and anything, from war medals to cars.
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It'll be an unsettled afternoon across Wales, with blustery winds and heavy rain. Gales expected in many areas.
A bronze war memorial which was moved from a fire damaged chapel in Aberystwyth seven years ago is now being returned to its original place.
The compulsory 'scores on the doors' system is helping to drive up standards across Wales, according to the Deputy Health Minister.