January is when a lot of us think about getting our finances back on track, but it can be hard to know where to start. So today we’re focusing on two areas that could make a real difference this year - understanding the new auto-enrolment pension scheme, and checking if you’re owed a tax refund.  

 To break it all down simply, Valerie is joined by Deirdre O’Keefe, founder of Burdy.ie.