This time of year can be particularly tough on household finances.

One listener got in touch with Mairéad explaining that although herself and her husband both work, they are struggling with money and all the financial pressures of returning to school.

Mairead spoke to Michael Laffey, Regional Manager for MABS (Money Advice and Budgeting Service) about supports available for persons experiencing financial difficulty. Michael also outlined his top tips for managing  your budget.

You can hear the chat in full by pressing the play button on screen.