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.