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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Fine and dry at first but becoming largely cloudy with outbreaks of rain or drizzle.
First Minister Carwyn Jones says Wales must not get a bad deal in Brexit negotiations. He was speaking at meeting of British-Irish Council.
Isolated showers may last into the late evening, but a dry night.