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It's estimated that around 25 million people have a volatile income - this is when the income in to the house is irregular in amount and timing.
A new report from Nest Insight highlights the challenges faced by these people when the vast majority of financial services are based on those with fixed incomes.
We will hear from someone with a volatile income and the difficulties forward planning, the constant money management, and how they try to navigate this in the current systems.

Pubs have had a difficult time over the past few decades, many have closed and those remaining have to find ways to attract more customers. Well the latest attempt to diversify and get more people through the door involves the likes of Abba, Elvis, and Amy Winehouse…yes, it’s karaoke.
We’ll be talking to one landlord who has ripped out their pub kitchen and replaced it with a karaoke room, and it appears to be working.

And are you still thinking of booking a holiday this year? Well if you are thinking of heading to Spain, the most popular place for Brits, there may be a few differences since the last time you were there. Some areas in Spain have growing concerns about over-tourism and are tightening rules around alcohol, boats, beaches, and more.
We’ll be talking to ABTA about how this will impact holiday punters, and also we will hear from a travel journalist in Spain about the reason for these changes.

You can contact You & Yours by emailing youandyours@bbc.co.uk or using the hashtag #youandyours

Presenter: Peter White
Producer: Dave James