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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After a dry end to the day, there'll be a few showers this evening Winds getting stronger overnight.
If you missed tonight's episode of Wales This Week, Test Tube Triumph, you can now catch up here
Jean Davies said her life had become "intolerable". Her daughter Bronwen speaks to ITV News about the decision.