There are calls for more families to turn their backs on payday loan firms and other expensive forms of finance, and use credit unions instead.
The financial co-operatives are predicting big growth as people look for cheaper ways to borrow money.
There are currently over 70,000 credit union members across Wales - and that number is expected to double by 2020.
Over the last year, their combined savings have risen 11 per cent to over £27m.
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Wintry showers to continue through the weekend and warnings of gales
Exclusive figures given to ITV Cymru Wales show a steep rise in the number of people seeking advice for steroid use.
Cold, breezy and generally cloudy at first with further wintry outbreaks on the hills