Dayne Owens, of the Citizens Advice Bureau, says many families are getting into debt not only on Christmas presents, but everyday items such as food and clothes.
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A dry night with clear spells in the west. Temperatures will fall, with thickening cloud inland by the early hours.
The First Minister Carwyn Jones is under fire after claiming that the Tata Steel management buy-out team "has not yet raised the money".
Police say they want "no surprises" from Welsh football fans.