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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Becoming drier and brighter from the northwest during the day, but with the risk of scattered, locally heavy, showers developing later.
Warren Gatland says he 'feels massively' for the players who didn't make his final squad and said some decisions were 'the toss of a coin.'
Wales' final 31-man Rugby World Cup squad has been announced.