StepChange Debt Charity sees rise in people with arrears
A debt charity says it has seen a 44% rise in people in Wales with arrears on essential household costs like rent over the last year.
StepChange Debt Charity says it has also found more people turning to payday loans to cover their bills, up from 2.6% in 2010 to 18.3% in 2013.
In December, the GMB union said average earnings had dropped by 12.5% since 2008 in Wales.
The Welsh government has pledged £1.2m to help people with money education.
BBC Wales economics correspondent Sarah Dickins reports.