Hello and welcome to your money on the BBC World Service. I'm Devina Gupta in

Delhi taking a break life India.

And I'm Manuela Saragossa in London taking a break from business daily.

It's just over a year since the World Health Organization declared COVID a pandemic,

a pandemic that's claimed millions of lives around the world.

It's also claimed millions of livelihoods wreaking havoc on people's personal finances.

Regular listeners will remember that last year on this program we spoke to people from across the world about how they were managing to make ends meet amid widespread job losses and business closures. We'll be hearing from India, Bangladesh, Brazil, Sechrels and more about how people

there are navigating the economic and financial turmoil from the past year and how they are now

planning ahead amid vaccine rollouts. But first let's hear from some of those

people I spoke to last year. Matt and his partner run a cafe in Buffalo in the United States.

A year ago, they told me they thought they could just about manage to keep their business

ticking over under COVID restrictions.

But in the meantime meantime they've learned just

how important the weather and the seasons have been to the hospitality business. You know we

got through the summer and I don't think you know we could have asked for a better summer considering the circumstances.

It really, you know, didn't start to hit us hard until, you know, the weather started to change here,

you know, with snow and everything and people not able to eat outside, you know, with us not being able to offer indoor seating at the time, that obviously was difficult. In Brazil, we also heard from Eduard de Ribardoo, a florist in the Brazilian city of Rio de Janeiro.

For her, the past 12 months have been all about change.

It's been a year since I last spoke to you.

Yeah.

Yeah.

I remember you'd given up your premises, you'd sold off all your plants and you were basically

...