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Collectively, our individual financial decisions have a big impact on what the wider economy does. That includes how we manage our own money, including what we buy and how we buy it. One way we make large purchases, smooth out big bills and sometimes just spend some cash we can鈥檛 afford - is credit. In this episode Dr Victoria Bateman looks back to the Tallyman in the 19th century, a very early way of shopping with credit. We鈥檒l explore what exactly credit is and how we use it.

Everything you need to know about the economy and what it means for you. This podcast will cut through the jargon to bring you clarity and ensure you finally understand all those complicated terms and phrases you hear on the news such as Inflation, GDP, National Debt, energy markets and more. We鈥檒l ensure you understand what鈥檚 going on today, why your shopping is getting more expensive or why your pay doesn鈥檛 cover your bills.

Guest: Prof John Gathergood, Professor of Economics at the University of Nottingham
Producer: Louise Clarke-Rowbotham
Researcher: Beth Ashmead-Latham
Technical Producer: Nicky Edwards
Editor: Clare Fordham
Theme music: Don鈥檛 Fret, Beats Fresh Music

A 麻豆官网首页入口 Long Form Audio Production for 麻豆官网首页入口 Radio 4.

This programme has been edited to change a section of music.