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Sarah Pennells talks about banking and accounts with guests Tashema Jackson of uSwitch, and Hannah Maundrell from money.co.uk, and Matt Saunders from GoCompare. Together they discuss whether it is possible to open a bank account if you have a history of debt, if you can open an account if you’ve moved to the UK from abroad and what the best accounts are if you’re constantly in your overdraft or similarly, always in credit.

Episode six of Managing My Money with Glen Goodman, Annie Weston and the Open University, looking at events which can change your habits, understanding different savings products, AER, what risk you are taking, the difference between savings and investments.

Why save? We show you why it’s important and look at the different savings products. What's the difference between saving and investment? It's all in the risk. We talk about shares, bonds and funds, and which perform best over the long term.

We get into the nitty-gritty of Annie’s spending patterns, and help her out of her financial pickle. We look at our essential spending and how to cut back on non-essentials. We talk about putting money aside for big one-off purchases, and the ups and downs of online shopping.

What’s the difference between saving and investment? It’s all in the risk. Why save? We explain why it's important and talk you through the different savings products. What's the difference between saving and investment? It's all in the risk. We talk about shares, bonds and funds, and which perform best over the long term.

Nick Peters open Shop Floor by analysing how some company bosses can turn abusive over time, despite being understanding and fair with their staff at first. With Russell Johnson, from Michigan State University, they talk about a recent research into what causes the mood switch for many employers. Should the state take control over the lives of the self-employed? Bright Blue think tank recommend a change in policies that will benefit those who run their own business as much as those regular employees. Nick speaks to David Kirby on the matter. Nick also looks at the absence of ethnic minorities in top jobs, particularly the British Muslim communities. In a report called Rising, published by the think tank Demos, its author Louis Reynolds explains why many individuals are missing out on job opportunities. Finally, Nick looks at low wage levels. TUC low pay adviser Paul Sellers discusses why the wages market is so tight.

Sarah Pennells is joined by this week's Young Money Champion, James Connington, from the Telegraph's personal finance team, as well as Graeme McColgan, an IFA from Million Plus Financial Planning, and also by Anna Bowes, founder of Savings Champion, to talk about the best ways to start saving if you're a student or starting your first job. Sarah and her guests discuss whether you actually need a savings account to start saving, what the basics are when it comes to how much to start saving, and what the best rates are when you're looking into savings accounts and products.

Sarah Pennells spoke to Cap Gemini’s Alex Smith-Bingham to discuss young people’s lack of digital skills in the world of work. Sarah will look at how many young people did not have the level of digital skills their company wished for and this could lead them to miss out on future job opportunities. Sarah is also joined by Rachel Healy, this week’s Money Saving Expert. Topics in the programme include how to enrich one’s digital skills, where to find more information, whether any particular schemes offer them and which digital skills are the most sought after. Jordan Daykin, from GripIt Fixings, explains what skills he is looking for in young people from an employer’s perspective.

Your Money, Your Future with Sarah Pennells, talking to Rodney Hobson, author of Shares Made Simple, Michelle McGrade, Chief Investment Officer at TD Direct, and Helal Miah, Investment Research Analyst at The Share Centre, about company figures, what they mean and how they can help your investment prospects.

Sarah Pennells is joined in the studio by Rachael Saunders from Business In the Community, and over the phone by Michelle Cracknell of The Pensions Regulatory Service and Fiona Tait of Royal London. Sarah and her guests talk about working in retirement and setting up a small business whilst receiving your pension . Sarah and her guests discuss the practicalities of setting up a business in retirement, as well as looking at what the rules say about receiving your pension whilst still at work.