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.
More top news
A new service launches in Wales today to get more people involved in dementia research, even if they don't have the condition.
As Welsh-born former Australian PM Julia Gillard speaks at the Senedd on women's rights, we take a look at some important female figures.
Barry-born Julia Gillard is delivering a lecture at the Senedd today, where she will discuss barriers women face in the public sphere.