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Citizens Advice has said over half the people they now talk to are in a negative budget, compared to 33% in 2019. The term 'negative budgets' represents a stark reality — people who, despite expert advice, do not have enough money to cover their essential bills.

The ÃÛÑ¿´«Ã½'s Cost of Living Correspondent, Colletta Smith, joins us to look at what negative budgets are, how people end up in this situation and what support is available for those impacted.