0:00:03 > 0:00:05The decorations have been taken down,
0:00:05 > 0:00:07we're clinging to those New Year's resolutions
0:00:07 > 0:00:11and many of us are watching our wallets now that Christmas is over.
0:00:11 > 0:00:15For some, that can mean falling into debt but we'll be seeing how
0:00:15 > 0:00:19some church groups have been helping people to rebuild their lives.
0:00:19 > 0:00:23So, yes, we've now been debt-free for just over three years
0:00:23 > 0:00:25and it's just fantastic.
0:00:27 > 0:00:30And tips on managing your money from young Christians.
0:00:32 > 0:00:37Also this week, a community inspired to get fit in a cathedral.
0:00:37 > 0:00:39In the cathedral? No way.
0:00:39 > 0:00:43As fast as you can. Keep those arms pumping and your legs pumping.
0:00:43 > 0:00:47And Claire McCollum finds a place of worship in a back garden.
0:00:47 > 0:00:51It looks quite a small shed, really, on the outside,
0:00:51 > 0:00:54but people have likened it to Doctor Who's TARDIS.
0:01:05 > 0:01:08Our music this week includes a captivating performance
0:01:08 > 0:01:10in Russian from Katie Melua...
0:01:12 > 0:01:15..and uplifting hymns and songs from around the UK.
0:01:15 > 0:01:18# In the light of God We are marching... #
0:01:18 > 0:01:20Now, many of you will know that Friday
0:01:20 > 0:01:23was the traditional Christian festival of Epiphany,
0:01:23 > 0:01:27celebrating the gifts presented at Christ's birth,
0:01:27 > 0:01:30so we start this week with an Epiphany hymn - Brightest and Best.
0:03:32 > 0:03:36On average we spend £7 billion a week in the shops
0:03:36 > 0:03:41and in December and January that rises by an extra billion pounds.
0:03:43 > 0:03:45January is a chance to grab a bargain,
0:03:45 > 0:03:47if you've got any cash left,
0:03:47 > 0:03:51but what if that money isn't exactly yours?
0:03:52 > 0:03:55When Naomi and Perry first started a family,
0:03:55 > 0:03:58they were all too familiar with borrowing money.
0:04:00 > 0:04:03I knew it wasn't really a good thing to go putting a load of money
0:04:03 > 0:04:08on a credit card and yet I think the temptation is just too much.
0:04:09 > 0:04:13It's like you've got to have the best pram for your child,
0:04:13 > 0:04:15the decent car, nice house.
0:04:16 > 0:04:21We started getting a car on finance and we had another credit card.
0:04:23 > 0:04:26But with Perry short of work as a bricklayer, money was running out
0:04:26 > 0:04:30and pressure was mounting just to pay for essentials.
0:04:30 > 0:04:33Even shopping each week just to feed us
0:04:33 > 0:04:37and not being able to put petrol in the car,
0:04:37 > 0:04:41so it's just constant. It's just like this weight, this burden.
0:04:42 > 0:04:44How bad did it get?
0:04:44 > 0:04:49I ended up owing the wrong people some money, for a couple of
0:04:49 > 0:04:53thousand pounds, and I just didn't have that money to give them.
0:04:53 > 0:04:55Naomi had to go to my mum's
0:04:55 > 0:04:58and then we had people knocking on the door trying to get the money.
0:05:00 > 0:05:02That was like rock bottom,
0:05:02 > 0:05:07the fact that I had to leave our own flat with two children
0:05:07 > 0:05:10because really we were scared of what these people would do.
0:05:10 > 0:05:14To be faced with that was just, yeah, horrendous.
0:05:16 > 0:05:20The couple were introduced to Christians Against Poverty, or CAP,
0:05:20 > 0:05:24one of several charities who help people get out of debt.
0:05:24 > 0:05:26How's it all going?
0:05:26 > 0:05:28- It's been fantastic, hasn't it? - It's been amazing.
0:05:28 > 0:05:31They came through the door and just became friends with us instantly.
0:05:31 > 0:05:34It wasn't just like a normal debt company, where you phone them up
0:05:34 > 0:05:37and they do everything over the phone.
0:05:37 > 0:05:40The love was just really, like, overwhelming.
0:05:40 > 0:05:44I just wanted to burst out crying because it's like we've kind of
0:05:44 > 0:05:48got ourselves into this mess and yet you're here to come and help us.
0:05:48 > 0:05:51Do you think any of these areas have changed at all?
0:05:51 > 0:05:55- Are you spending more on food, for example?- Yes.
0:05:55 > 0:05:59The charity devised a plan to deal with the outstanding debt
0:05:59 > 0:06:03and Naomi and Perry now keep a regular budget for essentials.
0:06:03 > 0:06:05Everything was taken care of.
0:06:05 > 0:06:09- We literally were able to kind of just....- Breathe again.- Yes.
0:06:10 > 0:06:12We were getting so many letters
0:06:12 > 0:06:16from obviously the car finance and credit cards.
0:06:16 > 0:06:19Everyone knows the brown letters are normally something bad
0:06:19 > 0:06:22but they even said, "Look, now you don't even have to open them.
0:06:22 > 0:06:26"You don't have to worry about it because we're going to sort that out."
0:06:26 > 0:06:30Slowly but surely, the family have got back on their feet
0:06:30 > 0:06:34and the values of the charity have had a lasting impact.
0:06:34 > 0:06:37Perry is in full-time work and the couple are now members of a church,
0:06:37 > 0:06:40where Naomi leads the worship.
0:06:40 > 0:06:43We weren't Christians then, but looking back we can really see
0:06:43 > 0:06:46just how much God was working in our lives.
0:06:46 > 0:06:50# To be near you, oh, God, when you come... #
0:06:50 > 0:06:55The transformation that God's done is just amazing.
0:06:58 > 0:07:01And what about those debts?
0:07:01 > 0:07:04- All gone. - Yeah, we have no debts now.
0:07:04 > 0:07:06We've now been debt-free for just over three years
0:07:06 > 0:07:08and it's just fantastic.
0:07:08 > 0:07:12Has that temptation gone to spend just for the sake of spending?
0:07:12 > 0:07:16It's always there, but if we haven't got the money then we save for it.
0:07:16 > 0:07:20And the freedom from now following Jesus as well,
0:07:20 > 0:07:23all combined, it was just like this new life.
0:07:23 > 0:07:25We were born again, literally.
0:10:16 > 0:10:19January is a great time to think about getting fit,
0:10:19 > 0:10:22especially if we've overindulged during the Christmas period.
0:10:22 > 0:10:25I know, I know. I should probably be taking the stairs!
0:10:25 > 0:10:28But how about working out in a cathedral?
0:10:30 > 0:10:32For hundreds of years, Chelmsford Cathedral
0:10:32 > 0:10:36has helped its congregation with their spiritual wellbeing.
0:10:36 > 0:10:39Well, now it's helping them step up their physical fitness, too.
0:10:39 > 0:10:42- Are we ready to get going today? - ALL: Yes.
0:10:42 > 0:10:44Are we ready to get going today?
0:10:44 > 0:10:48- We couldn't believe it. In the cathedral? No way.- Yes.
0:10:48 > 0:10:51Nice and high and all the way back down.
0:10:51 > 0:10:53It's the only exercise I do.
0:10:55 > 0:10:56Great work.
0:10:56 > 0:10:58This is Faith and Fitness.
0:10:58 > 0:11:01It's the brainchild of personal trainer Jordan De Leon,
0:11:01 > 0:11:04who found many of his clients were curious about his faith.
0:11:06 > 0:11:10The question of God kept on coming up more and more and it was easier
0:11:10 > 0:11:14to do that in that fitness setting than it was to do everyday life.
0:11:14 > 0:11:18So Jordan approached the dean of the cathedral with his idea.
0:11:18 > 0:11:21Interesting suggestion. How about it?
0:11:21 > 0:11:23It is called Faith and Fitness,
0:11:23 > 0:11:25so saying yes to that was kind of easy.
0:11:25 > 0:11:27Well done. Keep going.
0:11:27 > 0:11:31The congregation weren't immediately sure it was the right thing to do.
0:11:31 > 0:11:34No, not in the Cathedral.
0:11:34 > 0:11:37Jesus threw the moneylenders out of the temple
0:11:37 > 0:11:39and so we shouldn't be doing such a thing.
0:11:39 > 0:11:43But as the class went on, it came to me that Jesus
0:11:43 > 0:11:46was also a healer as well as a preacher
0:11:46 > 0:11:50and we are being uplifted both spiritually and physically.
0:11:50 > 0:11:53As soon as you come in, it lifts your spirits as well.
0:11:53 > 0:11:56It's so totally different.
0:11:56 > 0:11:58It's very nice, actually.
0:11:58 > 0:11:59Quite therapeutic.
0:12:01 > 0:12:05It keeps us moving. We must keep our joints moving.
0:12:05 > 0:12:08- How old are you?- Sssh.- 93.
0:12:08 > 0:12:12- 93?!- And I'm 85.- No way!
0:12:14 > 0:12:17We might be in a church setting and focused on God,
0:12:17 > 0:12:20but that doesn't stop me from working them hard all the way through.
0:12:20 > 0:12:23Left, right, left, right, left, right, duck.
0:12:23 > 0:12:26We all feel a bit fitter and stronger, yes.
0:12:26 > 0:12:29- He doesn't moan at you, does he?- No.- No.
0:12:29 > 0:12:32Faith and Fitness has been such a blessing.
0:12:32 > 0:12:36Being able to do my passion, which is fitness, and to be working
0:12:36 > 0:12:40for God is the most spiritually rewarding thing that I've ever done.
0:12:42 > 0:12:45My favourite bit is the bit at the end,
0:12:45 > 0:12:48where we sit in quiet and commune with God.
0:12:50 > 0:12:53And it has to be said, Jordan, you do it all for free, don't you?
0:12:53 > 0:12:54Yes, I do it all for free.
0:12:54 > 0:12:58I definitely feel like my payment comes from people coming to the class,
0:12:58 > 0:13:00building that relationship with God,
0:13:00 > 0:13:02so I couldn't ask for anything more than that.
0:13:02 > 0:13:05When I leave here, I feel a little bit different.
0:13:05 > 0:13:08Do you know what I mean? All worn out!
0:13:13 > 0:13:17# Siyahamb' ekukhanyen' kwenkhos'
0:13:17 > 0:13:21# Siyahamb' ekukhanyen' kwenkhos'
0:13:21 > 0:13:25# Siyahamb' ekukhanyen' kwenkhos'
0:13:25 > 0:13:29# Siyahamb' ekukhanyen' kwenkhos'
0:13:29 > 0:13:31# Siyahamba
0:13:31 > 0:13:33# Siyahamba
0:13:33 > 0:13:35# Siyahamb' ekukhanyen' kwenkhos'
0:13:35 > 0:13:37# Khanyen' kwenkhos'
0:13:37 > 0:13:39# Siyahamba
0:13:39 > 0:13:41# Siyahamba
0:13:41 > 0:13:44# Siyahamb' ekukhanyen' kwenkhos'. #
0:15:59 > 0:16:02Orthodox Christians celebrated their Christmas day yesterday,
0:16:02 > 0:16:05so for our next song we've got something quite special
0:16:05 > 0:16:08and a little bit different from Katie Melua.
0:16:08 > 0:16:11It's called All Night Vigil, sung in Russian,
0:16:11 > 0:16:15and based on a sacred choral work by the composer Rachmaninov.
0:16:17 > 0:16:20Nunc dimittis, the fifth movement from the All Night Vigil
0:16:20 > 0:16:25by Rachmaninov, is considered one of the greatest musical achievements
0:16:25 > 0:16:27by the Christian Orthodox Church,
0:16:27 > 0:16:30and it really reminds me of this mythical notion I have
0:16:30 > 0:16:33of the frozen Russian forest.
0:16:33 > 0:16:36This was an idea that my grandad kind of facilitated
0:16:36 > 0:16:41by telling us all these great adventure-filled tales
0:16:41 > 0:16:44of escaping from a Siberian labour camp when he was 18.
0:16:44 > 0:16:50Now, I'm not sure how truthful or not these stories are,
0:16:50 > 0:16:55but, as a child growing up, the Russian forest just took on
0:16:55 > 0:16:58this mythical notion, especially at winter time.
0:16:58 > 0:17:02And, for me, this track really takes me there.
0:20:41 > 0:20:46Over 450,000 Orthodox Christians worship in the UK
0:20:46 > 0:20:51in beautifully ornate churches up and down the country,
0:20:51 > 0:20:54but there's one church which is slightly more modest.
0:20:56 > 0:20:58As Claire McCollum has found out,
0:20:58 > 0:21:01St Fursey's in Norfolk is no bigger than a garden shed.
0:21:01 > 0:21:06It's so tiny that processions only take a few steps.
0:21:08 > 0:21:10The church was built by Father Stephen Weston,
0:21:10 > 0:21:15a former Church of England priest, in the garden of his own home.
0:21:16 > 0:21:18I've been to a number of churches in my time,
0:21:18 > 0:21:20but never one in a back garden.
0:21:20 > 0:21:22Why here?
0:21:22 > 0:21:26Well, we were a small group of people who wished to become Orthodox
0:21:26 > 0:21:32and, in Great Yarmouth, 60 miles away was a Greek Orthodox parish
0:21:32 > 0:21:36and then in Norwich there was a Russian Orthodox parish,
0:21:36 > 0:21:39but we wanted to be English Orthodox.
0:21:39 > 0:21:42- It's quite amazing, whenever you come through the door.- Yes.
0:21:42 > 0:21:47Well, it looks quite a small shed, really, on the outside,
0:21:47 > 0:21:51but people have likened it to Doctor Who's TARDIS
0:21:51 > 0:21:55because it seems to be bigger on the inside than on the outside.
0:21:55 > 0:22:00We wanted to build it as authentically Orthodox as possible,
0:22:00 > 0:22:03hence its Byzantine style.
0:22:03 > 0:22:07It's only 18 foot by 13 foot,
0:22:07 > 0:22:10but we have a nave, two transepts and two side chapels.
0:22:12 > 0:22:16This weekend is an important one for the church as they head out
0:22:16 > 0:22:20of their little building to hold a service outside.
0:22:22 > 0:22:27We celebrate Theophany when other Christians in the West
0:22:27 > 0:22:29are celebrating Epiphany
0:22:29 > 0:22:33and it's the baptism of our Lord in the River Jordan.
0:22:33 > 0:22:37That's why many Orthodox congregations go down
0:22:37 > 0:22:40to a nearby river or stream, or even the sea,
0:22:40 > 0:22:43to bless the element of water.
0:22:47 > 0:22:50We throw the cross into the waters.
0:22:50 > 0:22:53It's attached to a string, of course, so we don't lose it
0:22:53 > 0:22:56and the baptism of our Lord Jesus Christ
0:22:56 > 0:22:59is a revelation to us of the Holy Trinity.
0:22:59 > 0:23:03The eternal heart of compassion of Thou incomparable mercy.
0:23:03 > 0:23:06When you first decided to build this Church in your garden,
0:23:06 > 0:23:08what did the neighbours say?
0:23:08 > 0:23:11The old gentleman who lived there said,
0:23:11 > 0:23:16"Well, Stephen, I don't mind if you build a cathedral in your back garden!"
0:23:18 > 0:23:21He used to sit in his kitchen window
0:23:21 > 0:23:25and he said it gave him comfort to see the cross on top of the church.
0:25:25 > 0:25:29January sales are often the best time to grab a bargain,
0:25:29 > 0:25:34so the temptation to spend, spend, spend is never far away.
0:25:35 > 0:25:37We heard earlier how one couple became debt-free
0:25:37 > 0:25:39with the help of a Christian charity.
0:25:39 > 0:25:43Well, in south London, another church group is tackling debt
0:25:43 > 0:25:46with a more preventative approach.
0:25:50 > 0:25:53The young people who made this video are members
0:25:53 > 0:25:56of the Pentecostal Credit Union,
0:25:56 > 0:25:58one of over 300 credit unions around the UK.
0:25:58 > 0:26:03They want to teach a new generation to be responsible with their money.
0:26:07 > 0:26:10And in workshops like this one in New Life Assembly Church
0:26:10 > 0:26:13in Dulwich, young people learn how credit unions operate.
0:26:13 > 0:26:15Members pool their savings,
0:26:15 > 0:26:18providing a fund from which loans can then be made.
0:26:20 > 0:26:23The difference between a credit union and a bank, really,
0:26:23 > 0:26:25is that the members own it.
0:26:25 > 0:26:28Spend less on games.
0:26:28 > 0:26:31We provide low-cost loans
0:26:31 > 0:26:34and actually pretty good rates of interest
0:26:34 > 0:26:37on the dividends for savings.
0:26:40 > 0:26:43My advice to others would be to keep your credit score high,
0:26:43 > 0:26:45have a budget and save.
0:26:46 > 0:26:48The most important thing in my opinion is saving
0:26:48 > 0:26:52because, once you start saving, that's the foundation
0:26:52 > 0:26:54for all your money issues and worries.
0:26:56 > 0:27:00I would research on how successful people save their money...
0:27:02 > 0:27:05..and the mistakes that people who are not successful,
0:27:05 > 0:27:07how not to do those mistakes.
0:27:07 > 0:27:10When you don't have money to spend on something,
0:27:10 > 0:27:14don't buy it and wait until you do have the money to buy it.
0:27:16 > 0:27:20We felt it was really, really important to get good habits
0:27:20 > 0:27:25around spending, around saving and, of course, also around giving.
0:27:25 > 0:27:28You could probably find a better tariff.
0:27:28 > 0:27:29See if you can get a better deal.
0:27:29 > 0:27:33How important is it to you to explain to people the emotional side of money?
0:27:33 > 0:27:35I think it's really important.
0:27:35 > 0:27:39If you have a lot of money, there's an assumption that you are
0:27:39 > 0:27:43more important in life or you have more status in life.
0:27:43 > 0:27:45Oh, yeah. I get it.
0:27:45 > 0:27:47We're working with the young people here
0:27:47 > 0:27:50to say your money doesn't define you -
0:27:50 > 0:27:52that is not about who you are.
0:27:52 > 0:27:54This work is tremendously rewarding.
0:27:54 > 0:27:58It is amazing to see these young people,
0:27:58 > 0:28:00when the light comes on
0:28:00 > 0:28:03and you really hear them talking about how...
0:28:03 > 0:28:06The plans they're making and how they're going to save
0:28:06 > 0:28:09and just to see them develop really.
0:28:12 > 0:28:18# How lovely is Your dwelling place
0:28:18 > 0:28:20# Lord God Almighty
0:28:22 > 0:28:30# And my soul longs and even faints for You
0:28:31 > 0:28:33# How lovely, how lovely
0:28:33 > 0:28:36# Is Your dwelling place
0:28:36 > 0:28:38# Your dwelling place
0:28:38 > 0:28:40# Lord God Almighty
0:28:40 > 0:28:48# And my soul longs and even faints for You
0:28:50 > 0:28:52# Better is one day in Your courts
0:28:52 > 0:28:55# Better is one day in Your house
0:28:55 > 0:28:57# Better is one day in Your courts
0:28:57 > 0:28:59# Than thousands elsewhere
0:28:59 > 0:29:02# Better is one day in Your courts
0:29:02 > 0:29:04# Better is one day in Your house
0:29:04 > 0:29:06# Better is one day in Your courts
0:29:06 > 0:29:08# Than thousands elsewhere
0:29:08 > 0:29:11# Better is one day Better is one day in Your courts
0:29:11 > 0:29:14# Better is one day Better is one day in Your house
0:29:14 > 0:29:16# Better is one day Better is one day in Your courts
0:29:16 > 0:29:18# Than thousands elsewhere
0:29:18 > 0:29:21# Better is one day Better is one day in Your courts
0:29:21 > 0:29:23# Better is one day Better is one day in Your house
0:29:23 > 0:29:25# Better is one day Better is one day in Your courts
0:29:25 > 0:29:27# Than thousands elsewhere
0:29:27 > 0:29:30# Better is one day in Your courts
0:29:30 > 0:29:32# Better is one day in Your house
0:29:32 > 0:29:34# Better is one day in Your courts
0:29:34 > 0:29:37# Than thousands elsewhere
0:29:37 > 0:29:39# Better is one day in Your courts
0:29:39 > 0:29:41# Better is one day in Your house
0:29:41 > 0:29:44# Better is one day in Your courts
0:29:44 > 0:29:46# Than thousands elsewhere
0:29:46 > 0:29:48# Better is one day
0:29:48 > 0:29:51# Better is one day
0:29:51 > 0:29:55# Better is one day
0:29:55 > 0:29:58# Better is one day
0:29:58 > 0:30:00# Better is one day
0:30:00 > 0:30:04# Better is one day
0:30:04 > 0:30:06# Better is one day in Your courts
0:30:06 > 0:30:09# Better is one day in Your house
0:30:09 > 0:30:11# Better is one day in Your courts
0:30:11 > 0:30:13# Than thousands elsewhere
0:30:13 > 0:30:16# Better is one day in Your courts
0:30:16 > 0:30:18# Better is one day in Your house
0:30:18 > 0:30:20# Better is one day in Your courts
0:30:20 > 0:30:22# Than thousands elsewhere
0:30:22 > 0:30:25# Better is one day in Your courts
0:30:25 > 0:30:27# Better is one day in Your house
0:30:27 > 0:30:30# Better is one day in Your courts
0:30:30 > 0:30:32# Than thousands elsewhere
0:30:32 > 0:30:34# Better is one day in Your courts
0:30:34 > 0:30:36# Better is one day in Your house
0:30:36 > 0:30:39# Better is one day in Your courts
0:30:39 > 0:30:41# Than thousands elsewhere
0:30:41 > 0:30:46# Better is one
0:30:48 > 0:30:52# Day. #
0:30:53 > 0:30:55APPLAUSE
0:30:56 > 0:30:59Before we go, I've just got time to tell you that next week,
0:30:59 > 0:31:02ahead of Donald Trump's inauguration as US president,
0:31:02 > 0:31:06we visit the tiny island of Lewis in the Southern Hebrides
0:31:06 > 0:31:11to explore its unexpected links with the future leader of the free world.
0:31:11 > 0:31:16And we'll hear about the strong Presbyterian history of the island.
0:31:17 > 0:31:20We stay in Scotland for our final hymn
0:31:20 > 0:31:22from St Machar's Cathedral in Aberdeen.