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As hundreds of people at two large debt advice charities face redundancy – we visit a local debt advice centre to see who they help and how.

Mortgage rates are at their highest for 14 years - the average is five and a half per cent for a two year fix, nearly six and half for the standard variable rate. The regulator, the Financial Conduct Authority, predicts more than half a million people will be at risk of falling into arears over the next couple of years. We'll discuss what to do if you’re struggling to afford your mortgage

When and how will people who live off grid - without a gas or electricity supplier - get the government help with their energy bills?

And what are the options for saving if you're on a low income? We'll discuss the government's Help to Save scheme.

Presenter: Paul Lewis
Reporter: Dan Whitworth
Researchers: Sandra Hardial and Jo Krasner
Editor: Jess Quayle

(First broadcast, 12pm Saturday 21st January, 2023)