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.

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

The rising cost of living is the most common reason why people say they need help with debt just now.

And you won't be surprised to hear that

energy bills are a big part of that. Of course, debt can be a useful way to manage your finances.

Many of us use it to buy cars or holidays or just smooth out a bumpy month. But when it becomes

problem debt, it can dominate your life, sink your finances and even affect your mental health. So today on

Moneybox Live, we're looking at what to do if your borrowing feels out of control. Before we meet

today's expert panel, let's go straight to a call. Faith is on the line from South London. Faith,

good afternoon. Hi, good afternoon. Thank you for joining us. Now, you've actually spoken to Moneybox before, and that was when you were just starting

to pay off your debts and you were taking part in a research project called Changing

Realities.

Can you remind us how bad your situation was then?

It was really bad.

I didn't even know if I was going to be able to make it to the end of the school summer holidays.

...