Stay-at-home mum Stacey Simpson, student Sophie Balmer and small business owner Kirsty Devine may have different stories to tell but the theme is much the same – times are tough, financial pressures are an ongoing worry and yet, all three are still smiling... just!

On the Sky News Daily podcast, host Niall Paterson talks to the women about life now and in the coming months, and we look at planning ahead for winter with financial expert Gemma Godfrey.

Senior podcast producer - Annie Joyce

Podcast producer - Rosie Gillot

Junior podcast producer - Casey Magloire

Interviews producer - Alys Bowen

Editors – Philly Beaumont and Paul Stanworth