Hello and welcome to your money on the BBC World Service. I'm Manuela Saragossa taking a break from Business Daily.

And I'm personal finance journalist Paul Lewis.

Over the next hour, we'll have expert advice on whether it's worth forking out thousands of

dollars to go to university amid the coronavirus pandemic and advice too for

those heading back to work. How do you negotiate your pay if you've had it cut during

lockdown? And we hear how you're managing your finances at this difficult time.

For some, things are looking up.

She-loo is from Wuhan in China, but he lives in London.

I've got a new job.

I just felt relieved and also really appreciated. I mean I'm not sure if I got lucky but it just happened.

Yeah I don't I don't know what to say, but I see an opportunity and I grab it.

She, Lou, who's now working as a university researcher, but for others things are much tougher, the way we do business, work and try to earn a living are all changing.

Alia Barre runs a fashion business in Senegal, designing clothes which she and her colleagues then go on to make.

This last two months we had nothing, no income and so we have to manage with like the savings or like the money that I put aside on other projects.

And we had to rethink totally all our way of

producing so that they will take their sewing machine and work from home so it has

slowed down but I didn't want them to lose their incomes but I mean all the

project I have all the the improvement that we had to do has to be stopped for all the

2020 and we would have to see and we think everything.

Others like Odom Moses in Uganda find themselves newly unemployed and struggling to survive.

I am one of the victims of COVID-19.

I lost my job.

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