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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 Â鶹Éç'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.