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
Andrew Price joins South Wales Caving Club to venture into the deepest cave in the UK
Any drizzle this afternoon will subside to leave a largely dry evening. Clearer skies in the north overnight.
Police were called to several Tesco stores in Wales to deal with chaos at midnight. Huge numbers hunted for bargains in shops and online.