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:

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:

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.