Across the series we’ve had the opportunity to hear from so many amazing people, and so in the final episode of the series Kalpana and Bea take a look back over some of their favourite moments of the series. They also discuss the important things that have been brought up that we need to remember going forward, and Kalpana gives her final tips. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. You can find Kalpana on Twitter @kalpanafitz and Bea is @beaduncan_. Gemma Godfrey @GCGodfrey, John Webb @askjohnwebb, Dilpreet Bhagrath @Dbhagrath, Katharine Swindells @kathy_swinds, Jenn @jefflebum and Stepchange @stepchange. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

In recent years there has been a huge increase in financial technology, also known as fintech, and financial planning and helping apps. Bea had a chat with Tristan Thomas, Head of Marketing at Monzo. They talked all about the rise in fintech and how we can utilise it to our advantage, such as how it’s changing the way we use money, what features to look out for, and what it could mean for us in the future. We also heard from Gemma Godfrey, former CEO of Moola about what she thinks we need to know about when it comes to our money’s safety. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. Kalpana is on Twitter @KalpanaFitz, Gemma is @GCGodfrey, Tristan is @trstnthms and Bea is @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

None of us really knows what the future will hold, even when it comes to money and finances. However, that doesn’t stop us having a good go at making predictions! Bea sat down with Gemma Godfrey, former CEO of Moola and winner of Arnold Schwarzenegger’s show ‘The Apprentice’, as she put in her two cents about what she thinks is in store for the future of money. They discuss everything from ensuring a safe financial future, the increasing conversation about money and mental health, how long cash might stick around and how we can improve financial education. She even gives her tips on how to be ahead of the curve when it comes to trends in finances. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. Gemma is on Twitter @GCGodfrey, Tristan is @trstnthms, Dilpreet is @DBhagrath and Bea is @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

For many young people, owning a house is an unattainable dream, or one that they aren’t planning to think about for many years. Is it as difficult as it’s made out to be? Bea sits down with Dilpreet Bhagrath, a mortgage expert at online mortgage broker Trussle, who are on a mission to ‘make mortgages fairer’. She walks us through the process of buying a house, from what a mortgage actually is to who to approach for help to how to choose the best mortgage for you. She also explained how the mortgage process might differ for the self employed, and the steps Trussle are taking to try and make the mortgage industry fairer. Bea also heard the experiences of Ally and Ashley, two young people who have managed to do the seemingly impossible and buy property. They explained the methods they used, such as a remote mortgage broker or the Help To Buy scheme, and gave their tips to other young people hoping to follow in their footsteps. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. Dilpreet is on Twitter @DBhagrath, Ally is @allymccrae and Bea is @beaduncan_. Ashley can be found on Instagram @moneymedics. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

Where you live is a vital part of your wellbeing and general happiness, but it can very often feel overwhelming and like a drain on your finances. With rising house prices and letting agents and landlords charging excessive fees or fines, it can seem like the wild west out there. Luckily Bea was able to sit down with housing journalist Vicky Spratt. She set up the campaign #MakeRentingFair, which was integral in the passing of the Tenants Fees Act 2019. Vicky explains why this act was so necessary, exactly what the act means for tenants and their wallets, as well as running through some of the problems that can arise while renting. Kalpana explains what a guarantor is and why someone might need one. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. Kalpana is on Twitter @KalpanaFitz, Vicky is @Victoria_Spratt, Ally is @AllyMcCrae and Bea is @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

Bea speaks to a variety of the contributors heard from across the series, including Gemma Godfrey, former CEO of Moola and recent winner of Arnold Schwarzenegger’s show ‘The Apprentice’; Simon, CEO and founder of savings app Chip; Sue Anderson from the debt charity Stepchange, Vicky Spratt, a housing journalist; Katherine Swindells, the former welfare office at The University of Sheffield Students’ Union; Dilpreet Bhagrath, a mortgage expert at Trussle, and recent masters graduate Anna. They talk about a variety of issues that crop up when we think about spending, such as how long cash might stick around, the problems that arise when using contactless or going into an overdraft, and how to save money while renting. Kalpana gives her top tips for curbing impulse spending, and how to go about setting up a budget for yourself. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. Kalpana is on Twitter @KalpanaFitz, Gemma is @GCGodfrey, Vicky is @Victoria_Spratt, Dilpreet is @DBhagrath and Bea is @beaduncan_. Information about debt help can be found on @StepChange. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

Debt is an incredibly serious topic, and can affect our lives in so many different ways. Bea chats with two people from the debt charity Stepchange; Head of media Sue Anderson, and Andy Shaw, who is a debt advice coordinator. Sue gives heaps of vital information about exactly what debt is, how it can occur and how we can go about removing the stigma. She also gives some practical advice as to the ways we can begin to tackle debt and go about seeking help. Andy explained how debt can spread to other areas of your life, and what to do if it does. As well as this he laid out exactly what would happen if you approached Stepchange for help with your debt, and the steps you would likely take to start working on your debts. Kalpana clarifies exactly what insolvency and the Ombudsmen are, and what declaring bankruptcy entails. We also revisit the stories of Jen and Elysia from our borrowing episode to hear how debt affected their lives and what they did about it. Debt charity links: ● https://www.stepchange.org ● https://www.nationaldebtline.org ● https://www.citizensadvice.org.uk ● http://www.debtadvicefoundation.org You can join the conversation with the hashtag #Money101Pod. You can get loads more information and help for debt by following @stepchange on Twitter. Kalpana is @kalpanafitz, Jen is @jefflebum, and Bea is @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

Credit scores are one of those things that everyone has heard of, but nobody quite understands. This is worrying considering how important credit scores are to so many different aspects of our lives. So, to clear up the confusion, Bea sat down with John Webb, Consumer Affairs Executive at Experian. He explains everything you need to know about credit scores, including how they’re calculated, what they mean, and what they’re used for. He even clears up some of the myths such as having no credit score at all, or being blacklisted. Bea also had a chat with Suchandrika who was forced to start caring about her credit score after a problem with a phone bill. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. 3 credit reference agencies: ● https://www.experian.co.uk ● https://www.transunion.co.uk ● https://www.equifax.co.uk You can join the conversation with the hashtag #Money101Pod. John is on Twitter @AskJohnWebb and Bea is @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

From a loan to start a business, or money to fix a car which is vital to your life, when it’s done properly and safely borrowing money can be extremely helpful. However, there are times when borrowing money can cause more problems than it solves. Bea listens to the experiences of Jen and Elysia, who both borrowed money using payday loan lenders and experienced negative consequences because of it. We also hear briefly from Sue Anderson, from the debt charity Stepchange, about whether borrowing money is good. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. Debt charity links: ● https://www.stepchange.org ● https://www.nationaldebtline.org ● https://www.citizensadvice.org.uk ● http://www.debtadvicefoundation.org You can join the conversation with the hashtag #Money101Pod. Kalpana is on Twitter @KalpanaFitz, Jen is @Jefflebum and I’m @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

Long term savings like your pension are one of those things that we know are important, but which many of us haven’t even begun to think about. Well, that’s hopefully going to change after you hear this. Bea talks to Sir Steve Webb, a former government minister for pensions and current Head of Policy at Royal London. He really knows the ins and outs of later life savings, and so takes us through what they are and how we can get some, including explaining auto enrolment pensions. Elemi Atagolo is the CEO and founder of Finley AI, a voice activated financial planning app. He takes us through interest and why it’s so important for our later life savings. Bea also chats to Nick, who is 27 but already is already light years ahead with his later life planning. He explains how he got a grip on things even at such a young age. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. Kalpana is on Twitter @KalpanaFitz, Steve is @SteveWebb1 and Bea is @beaduncan_. Nick can be found on Instagram @moneymedics. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

Sometimes it can feel almost impossible to set aside money into savings for a rainy day. Don’t worry though, help is at hand. Bea sat down with Simon, who is the founder and CEO of savings app Chip. He talked through why saving is so important, and explained some ways to make it easier even if you’re spending all your money on smashed avocado on toast. Eve is a super saver, and has successfully saved for loads of big things including a car, a house and a wedding. She gives Bea some of her top tips for saving, even while on a tight budget. Kalpana explores the question we all want the answer to: How much should we actually be saving every month? She also clarifies some need to know terms, including ISA and interest rate. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. Kalpana is on Twitter @KalpanaFitz and Bea is @beaduncan_. Eve can be found on Instagram @moneymedics. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

If you’ve ever wanted to be the next Wolf of Wall Street, listen up. Investing is a great way to make your money work for you, but many people are put off from trying because the barriers of entry are perceived to be too high. Kerim Derhalli is the CEO and founder of Invstr, an app attempting to make investing more accessible. He has a chat with Bea all about investing, including what it means, what barriers there are for people wishing to get involved and tips on how to start. Kalpana explains exactly what the stock market is. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. You can find Kalpana on Twitter @KalpanaFitz and I’m @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

Crowdfunding can be an extremely effective way of raising capital, raising the profile of your business, or getting money for a personal or charitable cause. Joel Hughes is the European Director at Indiegogo, one of the leading crowdfunding platforms in the world. He tells Bea about ways people to raise funds on Indiegogo and discusses the different types of crowdfunding. Bea also talks to Jackson, who has been using crowdfunding to raise funds for surgery he is not be able to pay for for himself. For help, details of organisations offering information and support with the money-related issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. Joel is Twitter @IGGJoel and Bea is @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

Self-employment and freelancing is becoming a very popular form of employment. Bea speaks to Steffan and David who are both freelancers and small business owners. They talk about their experiences with this kind of employment, including their methods for finding clients, what they do when someone isn’t paying them, how they worked out their rate, the struggles of being asked to work for free and the problems they’ve run into while doing their own accounts. Kalpana gives us tips on where to go to find a credible accountant, and what to do when a client isn’t paying an invoice on time. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. Kalpana is on Twitter @KalpanaFitz and Bea is @beaduncan_. You can find David on Instagram at @KineticFitness_, and Steffan at @SteffanZachiyah. Links: ● www.gov.uk/income-tax-rates ● https://www.gov.uk/self-assessment-tax-returns ● https://www.thesalarycalculator.co.uk/salary.php The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

Whether it’s knowing your correct tax code or what benefits you can get from your employer, it’s often really unclear how you’re supposed to get the most out of your 9-5. Bea talks to Manny and Charley, both full time employees in different industries, about the confusions and questions they have, and their experiences. Kalpana clarifies three important things that all employees should know, as well as how much you are legally obligated to be paid. Whether you’re wondering when your internship should be paid or looking to secure a promotion, this episode is full of information and tips necessary to do so. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. Kalpana is on Twitter @kalpanafitz and Bea is @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

University is a new and exciting time for many people. But between student accommodation, applying or repaying loans, and working alongside studies, there are lots of areas that can be confusing when it comes to money while you’re a student. Bea heads to Sheffield to talk to Katharine Swindells, the former welfare officer for The University of Sheffield Students’ Union. She explains some of the problems students can face while at university, and lays out the important solutions that are necessary to know if you’re currently at or thinking about university. Bea also has a chat with Sabrina, a current student, about her experiences of student loans and her perspective on support offered by universities. If you’re interested in studying abroad like Sabrina did, you can find more information about the Erasmus programme here: https://www.erasmusprogramme.com. For help, details of organisations offering information and support with issues discussed, are available at www.bbc.co.uk/actionline. Links provided by Coventry University: ● https://www.cusu.org/advice/manageyourmoney/ ● https://www.coventry.ac.uk/international-students-hub/current/living-in-the-uk/managing-your-money/ ● https://blogs.coventry.ac.uk/discover/managing-a-student-budget/ ● https://www.coventry.ac.uk/study-at-coventry/get-ready/ You can join the conversation with the hashtag #Money101Pod. You can find Katherine on Twitter @kathy_swinds and Bea is @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

It’s very common to feel socially pressured to spend more money than we expected, especially when we’re around our friends. However, with the rise of social media, it’s easier than ever for us to be influenced by peers and spend money we didn’t want to. Bea hears from Anna, whose consumption of beauty bloggers on YouTube and Instagram was causing her to spend more than she expected on beauty bloggers. She explains why she finds peer pressure a difficult pressure to avoid and gives her tips for curbing it. Bea also chats to Matt, who has no social media presence at all, to see if this might be a radical way to prevent peer pressure in the digital age. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. You can find Kalpana on Twitter @kalpanafitz and Bea is @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.

Credit scores? ISA’s? Pensions? Do you know where you stand? If not, don’t worry. Bea is probably just as, if not more confused than you. Join her as she goes on a journey to financial literacy and attempts to clear up the confusion and bust through the jargon. She’ll be talking to experts and real people alike about everything from student finances to debt to freelancing. If you’ve ever wondered how much you should be saving a month, how you’re supposed to start investing or if you’re ever going to be able to buy a house, then this is the podcast for you. It’s time to kickstart your financial education once and for all. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.