Love Islander Jay Younger is an investment banker, but started out as an athlete. He takes a look at the transferable skills that have helped him throughout the jobs that have followed.

Kim and Eileen are also joined by Nancy Law from Skills Development Scotland, as well as Fiona Burton who recently moved to a new job in tech after forging a career in advertising. They discuss finding the confidence to change career, and look at how you can plan for the financial worries that come with leaving a job.

Kids will undoubtedly be hearing lots of chat about the difficult financial times we’re in. So how do we start constructive conversations with them about money without causing worry?

Kim and Eileen hear from primary teachers Nuzhat Uthmani and Blair Minchin about what schools are doing to teach kids about finance – from identifying coins to discussing bills. Mrs Mackay’s class in Glasgow invited us in to one of their lessons to find out more.

Plus Kim and Eileen explore different ways to give children opportunities to manage their spending if pocket money isn’t an option.

We are influenced by culture, fashion and food from around the world, so why not their money habits too?

Kim and Eileen talk to Tom Cooper, director of The Hamilton Roundtable for Poverty Reduction in Canada. His community took part in a trial for Basic Income and he shares the results. Professor Mike Danson is an economist and the Basic Income Network Scotland chair, and he is exploring how it could work to improve the lives of people here.

The Netherlands rank amongst the highest countries in terms of work-life balance according to the OECD Better Life Index. They are even discussing putting remote working protections in to law. So should we be following in their footsteps, or is it more complex than it may seem?

Plus Milad Gatfan in Dundee and Nisreen Mamaji in Mumbai share some global perspectives from Iraq and India.

We all know that food waste is bad for the planet, but it’s hard on our pocket too. So how can we make the most of the ingredients in our kitchen to save on shopping bills and try out new recipes?

Eileen makes a return visit to the Shettleston Community Growing Project in Glasgow to see what has grown over the summer. She’s joined by volunteer Mary, climate activist and zero waste advocate Laura Young – best known as Less Waste Laura – and Donna Borokinni, who works with the Glasgow Community Food Network as part of the Food and Climate Action project. They discuss building confidence in the kitchen and where we can look for meal inspiration.

Plus Kim and Eileen learn how we can start to incorporate batch cooking in to our lives with The Batch Lady – Suzanne Mulholland.

Whilst fast fashion is an easy and affordable choice for many, pre-loved clothing is enjoying a moment in the spotlight – ITV’s reality show Love Island even had a second-hand fashion partnership this summer. So how else can we save on our wardrobes, whilst being environmentally-friendly? Kim and Eileen chat to last year’s Great British Sewing Bee winner Serena Baker and Love Islander Jay Younger to discuss easy upcycling, the joys of charity shopping and how to avoid greenwashing when investing in clothes. They are joined by an audience in the Spiegeltent at the BBC’s Festivals site in Edinburgh who share their favourite ways to save money on fashion.

Kim and Eileen also meet Joyce Reid in Dundee at The Wardrobe – a charity shop with a difference, and Claire D’All and Luke Murphy discuss tips that could help shops become more accessible for disabled consumers.

Charging ventilators, specialised food and driving to hospital appointments are just some of the additional costs for households with care needs that are being exacerbated by the cost of living crisis. Then add to that the shortage of carers and personal assistants that’s being experienced across the country just now.

Kim and Eileen speak with three people experiencing care in different ways. Blogger Claire D’All is the Dundee Ambassador for accessibility review website Euan’s Guide. She is seeing massive energy bills at the moment due to equipment required in her home. Shubhanna Hussain-Ahmed from the Coalition of Carers in Scotland is an unpaid carer for several members of her family, and Maureen Ayre is the Senior Care and Support Administrator at Turning Lives Around, a care company based in Dundee – she’s been struggling to recruit new workers.

Our job market is facing a lot of change. For the first time since records began, the Office for National Statistics have revealed that there is a greater number of job vacancies than unemployed workers. This increased range of options, plus a boom in home working, has left many of us wondering how we can achieve a more satisfying work-life balance.

A long summer holiday has inevitably put pressure on our purse strings, and the return to school can feel overwhelming – as we pay for uniforms, lunches and stationery. Dawn Ward, Assistant Director of Aberlour, Scotland’s children’s charity, shares her advice for accessing support, and helping others when you can. Heather Royan from Babes in the Wood in Bishopbriggs talks about their free school uniform bank.

Kim and Eileen also head for a woodland adventure with two parents in Dundee who home educate their children. It can feel like an unaffordable option to many, so how did they plan their finances to make it work – and what are the free and discounted resources available to all home educators?

Reframing our budgets can help us meet our daily needs and financial goals as well as building towards a future which brings us happiness and fulfilment. Financial journalist Iona Bain and Scott Dixon, a consumer rights expert who lives frugally, share their tips with Kim and Eileen for creating plans and sticking to them.

Budgeting can go hand in hand with re-evaluating what’s important to us. Ram bought a van in 2019 and he and his partner Penny have been living there for the last few years. They talk about how it has helped reshape their finances, and share what they’ve learned along the way.

Retirement is looking different these days, with the ‘sandwich generation’ juggling care responsibilities for elderly parents and children living at home for longer. All this on top of work and rising bills. So what options are out there if you can’t afford to wrap up with work yet? Mike Douglas, Age Scotland’s director of social enterprises gives his top tips. Actuary Kevin Hollister gives advice for getting the most you can from your pension, and Kim and Eileen chat to 59-year-old John Devlin about his plans for delayed retirement, and how he can get free support when it comes to pension planning.