From credit cards, personal loans, car loans, overdrafts, mortgages, owing friends and family, even a phone contract – debt comes in a number of forms and it’s easy to feel overwhelmed.

But there are ways to climb out of debt and feel more in control.

Here to dive a little bit deeper is friend of the show, Andy Webb – the man behind the award-winning Be Clever With Your Cash blog and host of the Cash Chats podcast.

Andy and our host Kia Commodore talk through how to manage debt, strategies to reduce what you owe and prioritise.

These are the organisations Andy mentions who can offer free support with debt: Citizens Advice, National Debtline, Step Change and Christians Against Poverty.

You can play the podcast and find other useful content on Legal & General’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

You can hear more from Andy on his podcast Cash Chats and online: https://becleverwithyourcash.com/

Kia and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording.

See omnystudio.com/listener for privacy information.

Your workplace pension is a valuable way to save. It gets you extra money from your employer and the government. And an early start can have surprisingly big benefits – thanks to the power of compounding. Saving relatively small amounts in your 20s and early 30s is the best route to being a little richer when you retire.

Legal & General’s workplace pensions expert and friend of the show Kim Brown is back to chat with our host Kia Commodore about easy ways to make your pension work for you.

They cover everything from pension investments and what happens to the money you save into your pension to how much of your salary should be put in and what happens if you move jobs.

You can play the podcast and find other useful content on Legal & General’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

You can find out a little bit more about pensions on Legal & General’s website:

https://www.legalandgeneral.com/retirement/pensions/

Kia and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

See omnystudio.com/listener for privacy information.

Scams aren’t something that just happen to older people, young people are also likely to get scammed. The scammers are getting smarter and have lots of clever ways to con you out of your cash - whether that’s pretending to be your bank, tricking you into becoming a money mule, buying stuff you don’t receive and much more.

Head of Fraud Risk Management at Santander, Chris Ainsley, gives our host Kia Commodore insight on how the fraudsters work and plenty of tips on what to watch out for. After all, keeping ahead of scammers will help us stay a little bit richer.

You can play the podcast and find other useful content on Legal & General’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Kia and her guests share their own thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give information for a UK audience that’s relevant at the time of recording.

See omnystudio.com/listener for privacy information.