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
UK Shoppers could spend around £10bn this Black Friday period. Figures show the Welsh spend more on Christmas than any other part of the UK.
RSPCA Cymru are warning that almost 6,000 incidents were reported over festive period last year.
A fine and dry end to the week with plenty of sunshine, but it's a chilly day ahead!