You are about to listen to a BBC podcast and I'd like to tell you a bit about what goes into making one.

I'm Sadata Sese, an assistant commissioner of podcasts for BBC Sounds.

I pull a lot of levers to support a diverse range of podcasts on all sorts of subjects,

relationships, identity, comedy, even one that mixes poetry, music and inner city life.

So one day I'll be helping host develop their ideas, the next fact-checking, a feature,

and the next looking at how a podcast connects with its audience, and maybe that's you.

So if you like this podcast, check out some others on BBC Sounds.

BBC Sounds, music, radio podcasts.

Hello, we are a third of the way through April.

So how's your bank balance looking?

Have you carefully budgeted for each week, or will there be too much month left at the end of the money?

Certainly a lot of people will find themselves in the red before payday.

Almost 15 million people are finding it difficult to cope financially,

or they're not coping at all.

That's what data released today by the Financial Conduct Authority shows.

More than 7 million people were struggling to pay bills

and make repayments on borrowing at the start of the year.

The good news is that's actually down. It's down from almost 11 million last year. But it's still

far higher than before those cost of living pressures really started to bite. But now price rises

are slowing and energy bills have come down. So today's Moneybox Live podcast is about how to seize the moment to finally beat your bills back down and build a brilliant budget.

Before we meet today's experts in sorting our lives and our finances out, let's hear from Plannedadno.

Our reporter Neil Morrow went there to speak to people about what bills are bothering them.

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