NEW polling by StepChange Debt Charity reveals a worrying trend this festive season: more than one in four people (26%) in Wales are finding it difficult to afford Christmas. The survey also shows that over one in twenty (6%) plan to turn to credit to cover holiday expenses.

The study, conducted by YouGov, highlights broader national issues across Great Britain:

• Over a third (35%) of households with children are struggling to meet Christmas costs.
• One in twelve people (8%)—around 4 million—intend to rely on credit to fund festive spending.
• Of those using credit, nearly four in ten (38%) will choose Buy Now, Pay Later services, a rise from 36% last year.

StepChange anticipates a surge in people seeking help with debt in January, urging anyone facing financial challenges to seek advice early.

Financial strain grows

Richard Lane, Chief Client Officer at StepChange, said: “The Christmas period is often especially difficult for those already facing financial hardship. The pressure to create a perfect holiday often leads to overspending, and turning to credit can cause further strain as the new year begins.

“With rising energy bills and high housing costs squeezing budgets, many households have little left for festive spending.

“If you’re considering borrowing through credit cards, Buy Now, Pay Later, or other forms of lending, it’s vital to evaluate whether repayments will be manageable. Loved ones wouldn’t want you to jeopardize your financial health out of generosity. Support is available, and it’s never too early to seek help if you’re concerned about debt.”

Managing festive finances

StepChange has shared three practical tips for staying on top of holiday finances:

1. Set a budget
   Assess your disposable income and determine what you can realistically afford to spend. Planning ahead can prevent unnecessary debt.
2. Shop smart
   Focus on items you genuinely need and watch for deals. A clear shopping list can help avoid impulse purchases.
3. Be cautious with credit
   High-cost borrowing, such as short-term loans or Buy Now, Pay Later schemes, can lead to financial stress if repayments become unmanageable. Consider whether the short-term gain is worth the long-term impact.

POLICE are appealing for witnesses following a collision involving a silver Ford Focus and a female pedestrian on Finch’s Square, Cardigan, at approximately 2:10pm on Wednesday (Nov 27).

The pedestrian was taken to hospital, where she remains in a stable condition.

Anyone who witnessed the incident or has information that could assist the investigation is urged to contact Dyfed-Powys Police.

Reports can be made online at https://bit.ly/DPPContactOnline, via email at [email protected], or by calling 101.

Those who are deaf, hard of hearing, or speech impaired can text the non-emergency number 07811 311 908.

Please quote reference: 24001006091.

AS PART of the recovery in the aftermath of Storm Darragh, Pembrokeshire County Council says it is continuing to support those still affected by power outages.

A number of residents are still without power and essential services despite the storm having passed. Winter weather is adding to these pressures.

Anyone who remains without power who requires accommodation can contact us directly on 01437 764551.

Additionally all our leisure centre sites continue to provide a warm space with tea, coffee, shower facilities and charging facilities from 6am to 9pm.

National Grid can be contacted on 105 and the Red Cross (0344 8711111) is ready to support.

Our community hubs also can provide support with warm packs available.

Generators are available to those without power by contacting us on 01437 764551 or [email protected]. If you know anyone who requires support please contact us on 01437 764551 (Monday to Friday, 9am – 5pm).