Heather is joined by Tommy Gallagher from Don’t Fret About Debt - one of Scotland’s leading companies for free debt advice. Find out what you can do if you are struggling with debt, what support is available and take away some helpful tips, such as how to improve your credit score. We also hear from Fergus Muirhead who is on a mission to debunk some commonly misunderstood financial terms. Carla Jenkins stops by to tell us her best ever investment too!

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