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.

Karras Matthews here, just after a moment of your time before you listen to this podcast,

for 96 years BBC Radio and St. Martins have worked together to support people facing homelessness.

St. Martin's charity supports thousands of people every year to find a safe place to call home.

Your gift can help ensure this work continues. Please support the Radio 4 Christmas Appeal with St. Martin in the fields by donating online on the Radio 4 Christmas Appeal website. Everything starts with

home and this Christmas home starts with you.

Now I hope you enjoy this podcast.

BBC Sounds, music, radio podcasts.

Welcome to the podcast of Moneybox Live, the program about your money.

Christmas is speeding towards us as household income struggle to keep pace with rising prices.

It's the time of year when spending habits change drastically,

so we're looking at managing festive finances during the cost of living crisis.

What are you doing differently and how are you deciding what and who to leave out or include this year?

Joining us to discuss Christmas spending is Victoria. Tell us a little bit about yourself.

I'm Victoria. I'm from Lincoln. I'm a mum to three girls and I've got a cleaning company.

How many people will be with you over Christmas? So it's a bit of a mix match on Christmas Day. We've got in-laws coming

...