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
All very dull and grey over the next few days unfortunately, but at least temperatures are degrees milder!
Conservatives claim the poor PISA ranking is a 'scandal of monumental proportions.' Plaid Cymru say the Welsh government has 'failed again.'
Unions are calling on the Welsh Government not to panic and to provide support for teaching staff following the PISA rankings publication.