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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Welsh Secretary Stephen Crabb has launched an attack on Labour leader Ed Miliband, saying he "doesn't give a toss about Wales".
Mainly dry with lengthy clear spells overnight and just a few showers likely, especially in the north and west.
Ysgol Uwchradd Caergybi became the UK's first comprehensive 65 years ago. Academies are now dominant in England, but certainly not in Wales.