Episode 4 Right on the Money


Episode 4

Series packed with money-saving tips, with Denise Lewis and Dom Littlewood. The team help a busy mum who just loves to splash the cash on pricey beauty treatments.


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Transcript


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Whether you're a spender or a saver,

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we could all do with knowing how to make the most of our cash.

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So we've found simple advice for you to do just that and taken it to

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people right across the UK.

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Whatever help you need with your finances, we are Right On The Money.

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Hello and welcome to Right On The Money.

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The show that's here to save you some serious cash.

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And we take the job of giving you some seriously good advice,

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well, seriously.

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Seriously. Here's what's coming up on today's programme.

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We help one big-spending mum tackle her shopping habit.

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And there's no hiding,

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as our expert discovers the extent of her bulk buying.

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How many teabags in here? There's millions!

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-It was only 1,100.

-You're not having 1,100 friends around, are you?

-No!

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And one year on we find out just how much difference

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our money makeovers have made.

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Right On The Money has changed my life, it's changed our lives.

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I can't thank the programme enough, to be honest.

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We all like to indulge ourselves now and again

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but forking out for all those little treats adds up.

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That's certainly the case for one woman we meet

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who just loves to spend.

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30-year-old Nikki Richards from London has a lot on her plate.

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Not only is she bringing up her two children, Nickain and Numaya,

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but she's also holding down a demanding job with a major bank.

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My job is an extremely busy role.

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It consists of me travelling all over the world.

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So I could be... This week, I could be in America.

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Next week I could be in Poland.

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And then I could be anywhere they send me over the globe.

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Lovely!

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It takes

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super supportive family members like my mum, my nan.

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They literally do so much when it comes to, like,

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the childcare and all that sort of stuff.

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Welcome to Right On The Money!

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Who want to get money?

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Oi, you! That's my job.

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To make life just that little bit busier,

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Nikki's also preparing to marry chef Anton,

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who'll be moving over from Jamaica after the wedding.

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When he asked me to marry him I was crying and I was, like,

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"Yes, of course I'll marry you."

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Like, I can't actually see myself without him now.

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Like, the kids love him and it is like he's been there forever.

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So it's like a true, like, Romeo and Juliet kind of story.

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Hey, babe, you all right?

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Yeah, I'm good.

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Once Nikki and Anton have tied the knot

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they'll settle in Nikki's London house.

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So she's got the builders in to get it ready.

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Nikki earns a good salary but wants to spend more wisely.

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Particularly as her bills for beauty treatments,

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lunch parties, and even designer cakes are beginning to add up.

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She wants a financially friction-free start to married life.

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I'd say that I'm always outside of the box.

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I do what I want to do when I want to do it, how I want to do it.

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I will say Anton's spending is like the total opposite to mine.

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So he's very money conscious, he's very like,

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"Babe, do we really need this? Babe, can we get this cheaper?"

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Babe, it sounds like Anton can't get here soon enough.

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But, in the meantime, we've got the next best thing.

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Personal finance expert Simon Reed.

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He's on hand to rein in Nikki's spending

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and set the couple up for a secure financial future.

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Hi, I'm Simon. Hi, Simon, I'm Nikki.

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-Great to meet you.

-Thank you.

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-Come on in.

-Brilliant.

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So, Nikki, tell me about your spending habits.

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What do you like to spend your money on?

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I think I do a lot of beauty treatments.

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-OK.

-So I have to have my hair done regularly.

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-Yeah.

-So I would say I spend roughly about £200...

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-A time?

-A month.

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Oh. A month.

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Phew! I thought Simon was going to have a turn there!

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I'm into healthy treatments.

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-Yep.

-So I do other healthy treatments

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and then I'd get my nails done.

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-Right.

-Which would be about £60 a month as well.

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If Nikki looked after her finances like she looks after her appearance

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there'd be no problem at all.

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Simon's been adding up how much all these treatments are costing.

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So, in total, we're talking about...

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Your hair's about 200 a month,

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the other treatments are another £200 a month,

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plus your nails at another £60 a month.

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Yeah, it's rough... About 460.

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OK. So we need to think about this.

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We need to think about ways to cut these costs

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-because you want the money...

-Yeah.

-..for other things, don't you?

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-For more important things.

-Yeah.

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And there's more.

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Nikki also has a personal trainer.

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And to say a big thank you to her family

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for helping out with the childcare,

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she likes to treat them to restaurant meals

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and regularly splashes out on designer cakes for family dos.

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It's very generous but very expensive.

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How much are we talking about your spending on...

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So probably between £1,000 to £1,200 a year.

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How much?

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Crumbs!

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I've got some pictures on my phone that I can show you.

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OK. Well, do you know what?

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It's lovely to have cakes in celebration - we all do it -

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but not all of us spend £1,200 a year on cakes.

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Yeah. That is my guilty pleasure.

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I think we have to look at this expenditure.

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Because you need to save money,

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and spending £1,200 a year on cakes

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-is not necessarily the best use of your money, in my view.

-Cool.

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But before Simon takes a slice out of Nikki's cake bill,

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he wants to see what's going on with the rest of her grocery shopping.

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It turns out she's buying way too much

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and has converted the cupboard under the stairs

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into an emergency larder.

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Crikey! What's all this?

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-What is all this stuff?

-All right, well you got...

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-That's the tea bags.

-You got enough... How many teabags in here?

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-There's millions!

-It was only 1,100 to start off with.

-1,100 teabags?

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-Yeah.

-Why have you got so many tea bags?

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Just so that I don't have to buy any.

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People have tea, so we have tea quite often.

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You're not having 1,100 friends around, are you?

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-No!

-No! You don't need all those.

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What are all these cans?

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-Soups.

-How often do you have tinned soup?

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Not that often, but just in case I fancy a bit of soup,

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-then I've got soup there.

-What are you expecting?

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A nuclear war?

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I think we need to go and talk about this.

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Let's just go and have a cup of tea, talk about your shopping habits.

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Good plan, Simon. Two tea bags down, 1,098 to go.

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What sort of planning do you do?

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I don't do any. I just...

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Sometimes, like, if I'm doing something in the kitchen

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and I'm using something and I'm, like,

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"Oh, I've got none of that left",

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and then I go in the cupboard and then I see there's none of it,

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and then the next time I go online I'll order, like, five.

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And I think I have an issue with ordering just one.

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Like soap powder lasts a long time and I never order one.

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Quantity is always...

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..three plus.

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Understandably, Nikki doesn't want the house

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to run short when she's away

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but Simon's got a simple solution.

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I think, for starters, you need to do a stock take.

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-OK?

-Yeah.

-That means taking everything out.

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And then... And then just have a list on the door.

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OK? So you can see the things that you've got in there.

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And then when you use them, if you use them, you just cross it off.

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So then when you come to the end of the soups

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which, I must admit, I don't think it's going to be this century,

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you think, "Right, now I need to buy some more soups."

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-Yeah.

-Or not, as the case may be.

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And I reckon you'll get your shopping down, I don't know,

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-as much as half, maybe.

-Yeah.

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Great plan. If Nikki can put into place some of Simon's advice

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she could reduce her shopping bill by £1,800.

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And Simon is only just warming up.

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So, Nikki, we brought you to one of your favourite places where you

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spent an awful lot of time and an awful lot of money.

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-Yeah.

-It's a lovely salon, but we're not going to talk about beauty.

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We're not going to talk about any of the treatments you normally have.

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We're going to talk about some of your household bills,

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where I think you're paying too much.

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OK.

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At over £91 a month,

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Simon thinks Nikki is paying way over the odds

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for her electricity and gas.

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Now you've been in your home for roughly a decade now, is that right?

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-Yeah, yeah.

-And how many times have you changed energy supplier?

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Oh, I know that answer. Zero.

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-Never?

-Never.

-Why have you never changed plan?

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Do you know what, I just get so bogged down with two children,

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-you know, day-to-day life.

-OK.

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You've got lots of other things to do.

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-Yeah.

-Of course you have.

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With kids and work travel it's no surprise that

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Nikki hasn't kept on top of her bills.

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And she's not alone.

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45% of us can't remember ever switching energy suppliers.

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If you're one of them, with over 40 different providers out there,

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it's likely there's a better deal waiting for you right now.

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Go onto a reputable comparison website

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and you can start saving like our Nikki.

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I can bring your monthly bill down to £67.58.

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That's just over £24 a month...

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Wow. That works out at roughly £300 a year saving.

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So what could you do with £300 a year extra?

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That could go towards the wedding.

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-That's good news.

-That is a great start.

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So that's an easy saving of £300 a year

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but Simon might have a tougher task

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persuading Nikki to change her beauty regime.

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So, Nikki, I know you like to spend an absolute fortune on looking good

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and looking great and that's fine,

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but I think I found a way

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that you can have all your treatments

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but at a fraction of the cost.

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-Are you intrigued?

-Yes, I am.

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-Well, let's go and find out more, shall we?

-OK, let's go.

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Nikki needs to look smart for work

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but can Simon suggest a way to keep up appearances

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and keep down the cost?

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He's brought Nikki to her local beauty training academy

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to meet the boss, Lorraine.

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Tell Lorraine about what you have every week, every month.

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OK, so I'll get my nails done every two weeks.

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I'd get a pedicure monthly.

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I have waxing, all that body wax, probably monthly, every six weeks.

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We do live in an age where everybody's body conscious.

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We all want to look younger for longer,

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people want to feel good.

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It's very relaxing, isn't it?

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I'm loving this, but, you know, it comes at a price, doesn't it?

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It does.

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Lorraine's students need models to practise on.

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In return, they offer manicures, pedicures, waxing,

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and other treatments at a fraction of the high street price.

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On average, our costing is done on a ratio roughly of 10%

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of what you would pay in the high street.

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So we just cover our cost, so if you had a head of highlights at £150,

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which is about the commercial rate, you pay 15 here.

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-How much?

-15.

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So it's a 10% ratio.

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-No way!

-And the thing is, you see, it's a win-win situation,

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because we need models to come for our students to be assessed.

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Now that's what I call a real savings highlight.

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People are often deterred from coming to a training academy

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because they think of learners in training.

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And I can understand that.

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But all of the students are all either working

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as apprentices in salons

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and training, or they are doing work experience.

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So you get quality, basically.

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-Always.

-Cos that would be my worry, like,

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I want to get the best service ever.

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Of course.

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You're getting your first-class treatment at a greatly reduced cost.

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Well, that's put a gloss on it.

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So how much can Nikki save if she starts using the academy

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for her manicures?

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Hmm, so, if you were to come here,

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do you think you would be happy to do that?

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Are you getting a good manicure there?

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Yeah, it's really good, actually.

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-Doing a great job.

-So, you know,

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it would reduce the cost per month from £90-100

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to just nine or £10 a month.

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-Nine or £10 a month?

-Nine or £10 a month.

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So that's a saving of around £90 a month.

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That's unbelievable. Wow! Oh, my God!

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I can save so much money.

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If Nikki went to the academy for her manicures and pedicures,

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she could save a massive £960 a year.

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But Simon's not finished yet.

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In part two, Nikki's going to need all her stamina to keep up.

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Go on, Nick!

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And we'll be catching up with Nikki later on

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to see if she's managed to curb that spending in time for that wedding.

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Dom, I think little Nickain is after your job, you know?

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Yeah, so do I, I'm slightly worried here, Denise.

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Well, joining me now are the editor of Moneywise magazine,

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Moira O'Neill, along with psychology professor Katrina Morrison.

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-Morning, ladies.

-Morning.

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Now that cupboard under Nikki's stairs was full of bulk purchases.

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Why do people do that?

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It's a very natural human instinct to bulk buy,

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because you don't know what's around the corner.

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When you live in times of plenty,

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and you want to store things up so that,

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you know, if times get more lean, then you can be prepared for it.

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Moira, by shopping online,

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you'd think you'd avoid being tempted by bargains,

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but that's not the case, is it?

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No, it's not at all.

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I mean, online shopping,

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we've almost got as much temptation at our fingertips

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as we do going into supermarkets.

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And companies work very, very hard to tempt us with special offers,

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and they can target us by gathering information

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about our browsing history online and what we like looking at,

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and they can find out,

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build up a picture of us and then entice us with...

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..goods that they think we want to buy.

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Katrina, Nikki has a job where she has to dress very smart.

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Do you think women feel under more pressure than men

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in that department?

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Yes, I'm sure that women do.

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There's a very interesting tale of two Australian newsreaders.

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You've got a man and a woman.

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The woman was regularly being trolled and criticised

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for what she was wearing, particularly if they found her...

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saw her wearing the same outfit twice.

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So the man decided he was going to do a little experiment

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and he was going to wear the same suit on TV every day for a year,

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which he did, and nobody noticed.

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And so this is a very interesting example

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of how women are in the spotlight,

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and feeling the need, then, to keep up appearances.

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And I guess retailers really exploit that, don't they?

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Of course they do. And if you look at the layout of shops, for example,

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then the shops are designed to bring women in.

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They will offer the bargains at the front of the store

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to draw you in and then you're enticed to find out

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what's in the rest of the store,

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but the women's clothes are always the most prominent in the shop.

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What would you say to back that, Moira?

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Well, I think you need to think about how you can use your wardrobe

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wisely. Can you buy an accessory that will jazz up an outfit to make

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it look different, even though it's something that's quite classic?

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Katrina, Moira, thank you.

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-Really interesting stuff.

-Thanks. Now, we're well on the way to saving

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Nikki thousands of pounds by curbing her spending habits.

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But how easy is it to stay on track? Well, to find out, we've caught up

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with some of the people our experts visited in our last series.

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So 12 months after their money makeovers,

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have our families fallen back into bad habits?

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Exactly one year ago,

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these people all asked for our help to tackle their money worries.

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First up, retired police officer Carol Owen,

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who was desperate to solve the mystery of her disappearing bank balance.

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The chief suspects - teenage daughter Catherine and pampered pooch Stanley.

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So we sent in money expert Sarah Pennells to try and crack the case.

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Hello, you must be Carol.

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-Yeah, hello.

-I'm Sarah.

-Nice to meet you.

-Really nice to meet you.

0:15:590:16:01

-Come in.

-Despite having a decent pension,

0:16:010:16:05

Carol was struggling to make ends meet.

0:16:050:16:07

When I look at my statements, at the end of the month,

0:16:070:16:12

I find it ridiculous, really,

0:16:120:16:13

that I've got a good amount of money coming in, but every single penny

0:16:130:16:18

seems to go out, as well.

0:16:180:16:20

But in no time at all,

0:16:200:16:22

Sarah started to identify where all that missing cash was heading.

0:16:220:16:26

Pet insurance every month is about £67.

0:16:260:16:29

OK. That's quite a lot.

0:16:290:16:32

It's quite a lot.

0:16:320:16:33

Bless him.

0:16:330:16:35

Sarah soon found a deal to halve that bill and save an impressive £400 a year.

0:16:350:16:40

I think that's fantastic for pet insurance.

0:16:400:16:43

One year on, and it's not just the pet insurance that has got Carol

0:16:430:16:47

-shopping around.

-We took on board all of the advice we were given.

0:16:470:16:52

I've recently been renewing house and car insurance.

0:16:520:16:55

I did a lot of research before that, so I've got some good deals.

0:16:560:17:00

When Sarah met Carol, she was struggling to find the money

0:17:000:17:03

for daughter Catherine's dream prom dress.

0:17:030:17:05

Sarah suggested cutting back on so many treats for the teen.

0:17:050:17:09

So did Cinderella manage to go to the ball?

0:17:090:17:13

We managed to save enough to pay for a prom dress to be made,

0:17:130:17:18

which was beautiful and it fitted her perfectly.

0:17:180:17:21

She looked like a princess.

0:17:210:17:22

-Had a great night.

-It was just everything I wanted, to be fair, I loved it.

0:17:220:17:28

But it was Carol's costly car finance deal that was putting the

0:17:280:17:32

greatest strain on her purse strings.

0:17:320:17:34

Sarah found a way that she could hand the car back and save an incredible £11,000.

0:17:340:17:41

She also recommended buying a second-hand motor using a bank loan and not a finance deal.

0:17:410:17:46

I've paid off the loan that I had when I bought it,

0:17:460:17:51

so I've got nothing owing on the car now at all, which is a huge saving.

0:17:510:17:55

Good work, Carol!

0:17:560:17:57

You deserve a treat.

0:17:570:17:59

And that's exactly what she's planning.

0:17:590:18:01

With all the money she saved, she's booked a summer holiday -

0:18:010:18:04

on a budget of course.

0:18:040:18:06

I've got it for cheaper than I ever thought possible,

0:18:060:18:08

just because I looked.

0:18:080:18:10

Right On The Money has changed my life, has changed our lives.

0:18:100:18:14

I can't thank the programme enough, to be honest.

0:18:140:18:17

One year on, and a lot has changed for Ted and Kristine Penlington too.

0:18:170:18:21

When we last met the couple, they dreamed of extending their house,

0:18:210:18:25

but couldn't find the funds.

0:18:250:18:27

Once again, it was Sarah to the rescue.

0:18:270:18:30

We bought this house about three years ago.

0:18:300:18:32

We want to extend it, because it's not big enough for the dogs and us.

0:18:320:18:36

The kitchen is so small.

0:18:360:18:38

I mean, as you can see, I can't put anything in it.

0:18:380:18:40

A lot of the family come round at weekends and you get the two dogs,

0:18:400:18:43

and then everybody's, like, falling over each other,

0:18:430:18:45

there's just nowhere to go.

0:18:450:18:47

Sarah began by tackling the household bills,

0:18:470:18:49

kicking off with their energy provider.

0:18:490:18:51

The most that you can save if you switch is about £286.29

0:18:510:18:58

-a year, which is...

-Yeah.

-..not to be sniffed at, really.

0:18:580:19:02

No, it isn't, actually.

0:19:020:19:03

A woman on a mission - next up was their phone and broadband.

0:19:030:19:07

It's £18.50 a month, so that's going to save you about £200.

0:19:070:19:12

Sarah also gave trucker Ted some food for thought over the amount of

0:19:120:19:16

cash he was spending on meals on the road.

0:19:160:19:19

She worked out if he took home-cooked meals with him instead,

0:19:190:19:22

he could save a whopping £1,500 a year.

0:19:220:19:25

So the idea here, Ted,

0:19:250:19:27

is that you plan ahead and that you know exactly what you're going to be

0:19:270:19:31

taking out on the road with you every day.

0:19:310:19:34

And since last year, Ted and Kristine have done just that,

0:19:340:19:38

saving bags of money.

0:19:380:19:40

Sometimes I take curries and pea soups, and she gets me them lamb shanks...

0:19:400:19:44

-Lamb shanks.

-Just stick them in a bag, warm them up,

0:19:440:19:46

put them in the fridge and then reheat them in the cab.

0:19:460:19:49

But the big question is, are all those meals being cooked

0:19:490:19:52

in the new kitchen the couple wanted so much?

0:19:520:19:55

12 months ago, Ted was desperate to cash in his private pensions

0:19:550:19:58

to free up enough money to fund the work.

0:19:580:20:01

But the paperwork was proving difficult.

0:20:010:20:04

Just gobbledygook, it's not English.

0:20:040:20:06

It's just not understandable at all.

0:20:060:20:09

So Sarah called in reinforcements in the shape of pensions expert

0:20:090:20:13

-Alan Higham.

-Ted, Kristine, this is Alan.

-Hello, Kristine.

-Hello, Alan.

0:20:130:20:18

And we're delighted to say that with Alan and Sarah's help,

0:20:180:20:22

Ted has finally cashed in his private pensions.

0:20:220:20:25

But was it enough to build them that new extension?

0:20:260:20:30

Since we've done the programme, we built the extension.

0:20:300:20:33

We've had new windows, new door.

0:20:350:20:36

Extending the bathroom, extending the end bedroom, and the kitchen is...

0:20:360:20:41

I think it's the best of the lot of them.

0:20:410:20:44

It's really good, so...

0:20:440:20:45

-Everything's doubled, hasn't it?

-Yeah, everything's doubled in size.

0:20:450:20:48

It's a family gathering, I think, every weekend now.

0:20:480:20:51

The family loves it, and so do the dogs.

0:20:510:20:54

Sit! We were tripping over them.

0:20:540:20:56

You haven't got that now.

0:20:560:20:58

With his pensions now sorted,

0:20:580:21:00

Ted now plans to give up work within the next six months and the couple

0:21:000:21:03

are looking forward to a happy retirement.

0:21:030:21:06

The team works out everything, with the pension, and with the advice.

0:21:070:21:14

They worked it out brilliant, right on the money.

0:21:140:21:16

It's a great result all round.

0:21:160:21:19

-Clever boy.

-A year ago,

0:21:190:21:22

we also helped boost the bank balance of paramedic Angela Ord,

0:21:220:21:26

who had such a busy home- and work-life that she was really struggling with her finances.

0:21:260:21:31

To be truthful, I don't understand finances.

0:21:310:21:34

I don't know if it's laziness, or if it's just lack of knowledge,

0:21:340:21:37

or lack of interest.

0:21:370:21:39

There's more important things for me to do.

0:21:390:21:41

The way I see it is, if I want more money, I do overtime.

0:21:410:21:44

That's how I cover the costs of things.

0:21:440:21:46

-Angela?

-Yes, it is.

0:21:490:21:50

-Hello.

-Hi. I'm Simon. Nice to meet you.

0:21:500:21:52

We sent in Simon Read to administer some financial first aid.

0:21:520:21:56

What if I told you that if you spent four hours looking at your

0:21:560:22:00

finances, you could save yourself £1,000 a year?

0:22:000:22:04

Wouldn't that be preferable to doing 70 hours of extra work?

0:22:050:22:10

Yeah, definitely.

0:22:100:22:11

Show me how to do it.

0:22:110:22:14

And that's exactly what Simon did.

0:22:140:22:16

Helping her cut down on food bills, bank charges,

0:22:160:22:19

and to find a better energy deal.

0:22:190:22:22

You could probably save £306 a year, which is roughly about £25,

0:22:220:22:27

£26 a month.

0:22:270:22:29

You need to just buck your ideas up and see what's around you and make

0:22:290:22:32

-the most of it.

-But Simon also wanted to help Angela cut down on her overtime,

0:22:320:22:37

so she could spend more time with her son, Toby,

0:22:370:22:39

which is why he brought in mortgage expert Paul Dorward to have a look

0:22:390:22:43

at her biggest monthly expense.

0:22:430:22:45

So if we drop the term down even further, to 20 years,

0:22:450:22:49

the payments are about £430.

0:22:490:22:51

So, a little saving on what you pay now, but you've shaved...

0:22:510:22:54

-Yeah, over five years.

-So, that's incredible.

0:22:540:22:56

You'd save five years of repayments, that's five years extra interest,

0:22:560:23:01

and it's still cheaper than what you're paying right now.

0:23:010:23:04

Paying at the moment, yeah.

0:23:040:23:06

By switching deals, we've saved Angela a staggering £31,000 and,

0:23:060:23:11

even better, it meant she could retire five years earlier than she'd planned.

0:23:110:23:17

It was all about work before.

0:23:170:23:18

That's all it was.

0:23:180:23:20

How many overtimes can I get in?

0:23:200:23:22

How many hours can I fit in?

0:23:220:23:24

How much more money can I earn to have a better standard of living?

0:23:240:23:27

Whereas, now, I'm managing

0:23:270:23:30

without the overtime.

0:23:300:23:32

And that means more time and energy for Toby.

0:23:320:23:35

We spend more time together.

0:23:350:23:37

We go and do cinema and stuff like that.

0:23:370:23:40

It's made us a lot closer.

0:23:400:23:42

-Two, one...

-Go!

0:23:420:23:44

She's also got a new hobby.

0:23:440:23:46

Because of the show and the money I've saved,

0:23:470:23:50

it's allowed me to join the gym and change the lifestyle that I had

0:23:500:23:54

to a much healthier, better lifestyle.

0:23:540:23:57

I think it's safe to say that I'm happier...

0:23:570:23:59

Go, Angela!

0:23:590:24:00

..more content, more relaxed.

0:24:000:24:04

The biggest thing for me was my mortgage.

0:24:040:24:06

Last two. You can do it, Angela. Come on.

0:24:060:24:09

I'm now not just a paramedic and a mum, I'm actually me,

0:24:090:24:15

as an individual, and I've got a bit of a life.

0:24:150:24:17

And Angela has another reason to be happy.

0:24:170:24:20

My personal life's changed...loads.

0:24:200:24:25

I've got really positive friends that I've met from the gym.

0:24:250:24:28

I've met a nice man at the gym and the future looks good.

0:24:280:24:32

She's also set herself a new goal -

0:24:340:24:37

tackling a lifelong ambition to climb Mount Kilimanjaro,

0:24:370:24:41

so far raising over £7,000 for a brain injury charity in the process.

0:24:410:24:46

On September 16th, I will attempt to climb Kilimanjaro, which...

0:24:460:24:51

hopefully, the gym has put me in good stead for

0:24:510:24:54

and I'll be stood at the top of that summit.

0:24:540:24:57

And we're all hoping that Angela will reach the dizzy heights she's aiming for. Nice work, Angela.

0:24:570:25:03

And, joining me now is Angela for a lovely cup of tea and a chinwag.

0:25:070:25:11

I've got to say, a lot has changed in the last year, hasn't it?

0:25:110:25:13

It has. Up until last year, I was just settling for everything and,

0:25:130:25:18

you know, being loyal to people that I thought I were comfortable with.

0:25:180:25:21

You're talking about companies there, aren't you,

0:25:210:25:23

-when you're not shopping around?

-Yeah, I didn't shop around.

0:25:230:25:26

No, it's misplaced loyalty, isn't it?

0:25:260:25:28

So, I would definitely say, "Look after your own pocket."

0:25:280:25:34

Money doesn't make everything better, but it gives you more choices.

0:25:340:25:37

So, by having a bit more money, I can make different choices,

0:25:370:25:40

to do different things.

0:25:400:25:42

I decided to take Toby on holiday,

0:25:420:25:44

and we went to the travel agents,

0:25:440:25:47

and every price that were coming back was far too expensive.

0:25:470:25:50

I just feasibly couldn't afford it at all.

0:25:500:25:53

We were just leaving the shopping centre and we were just passing the

0:25:530:25:58

cruise shop. And she just said, "You know,

0:25:580:26:00

"there's a cruise just come up as a special offer."

0:26:000:26:02

It was a one week, all-inclusive cruise round the Med.

0:26:020:26:05

-Wow!

-For 599 each.

0:26:050:26:08

When we got there, it was just amazing.

0:26:080:26:09

The room was brilliant, and I could not believe I'd got it for £600.

0:26:090:26:13

It was absolutely amazing.

0:26:130:26:15

It were brilliant. It was a really, really good holiday.

0:26:150:26:17

-Did Toby enjoy it?

-He loved it.

0:26:170:26:19

That's got to be one of the best bargains I've had for a holiday...

0:26:190:26:22

-Yeah, that is.

-..with the best outcome.

0:26:220:26:24

That is. I'm quite envious actually.

0:26:240:26:26

Angela, I've got to say, it's absolutely amazing seeing you again.

0:26:260:26:29

You're looking wonderful, you've lost weight,

0:26:290:26:31

you've joined the gym, you've got a fella,

0:26:310:26:32

you've saved money, you've been on cheap holidays.

0:26:320:26:35

Toby's happy, you're happy, you've got a great big smile on your face.

0:26:350:26:38

-It couldn't get much better, could it?

-No.

-Good luck for the future.

-Thank you.

0:26:380:26:41

See if you can beat that one, Denise.

0:26:410:26:43

Well, I'll certainly have a go, Dom, with the help of a very savvy guest.

0:26:460:26:51

Have a cauli with Wally, there now.

0:26:510:26:53

Well, another familiar face back from last series is my favourite travel expert

0:26:550:26:58

Simon Calder. I want to talk summer holidays.

0:26:580:27:01

-Yes.

-Is it too late to get a deal?

0:27:010:27:04

It's going to be very, very tricky,

0:27:040:27:05

particularly if you are flying from an English airport,

0:27:050:27:09

or a Welsh airport, to Spain, Portugal, Italy, Croatia, Greece.

0:27:090:27:14

And that's because there is so much demand going into those places.

0:27:140:27:19

Prices are going through the roof, but there are things you can do.

0:27:190:27:23

Tell us, what can you do at this stage?

0:27:230:27:25

If you're in the north of England, and you think,

0:27:250:27:28

"Love a holiday," just wait till the second half of August.

0:27:280:27:32

In Glasgow, for instance, the schools all go back on the 15th of August,

0:27:320:27:37

which means, guess what?

0:27:370:27:38

Prices from Glasgow Airport, from Edinburgh,

0:27:380:27:41

sink at the same time they're going through the roof from Manchester and

0:27:410:27:45

Leeds-Bradford and Newcastle and so on.

0:27:450:27:48

So, just taking yourself north in order to fly south can save you hundreds

0:27:480:27:53

of pounds if you're a family.

0:27:530:27:55

And, if I wanted to book somewhere tomorrow,

0:27:550:27:58

what would your suggestion be?

0:27:580:27:59

Look east. That's where you're going to get the value.

0:27:590:28:02

I reckon, one of the greatest beach destinations in the summer

0:28:020:28:07

is Poland.

0:28:070:28:09

Nobody seems to want to go there.

0:28:090:28:10

-Really?

-Oh, absolutely! The Baltic Coast. Have a look!

0:28:100:28:14

It's pure hundreds and hundreds and hundreds of miles of just golden sands.

0:28:140:28:20

But over the German border, all these places which I can't begin to pronounce -

0:28:200:28:24

they look like really bad hands at Scrabble -

0:28:240:28:27

but it's well worth seeking them out.

0:28:270:28:30

Have a look at a guidebook. Pick out your favourite resort.

0:28:300:28:32

Top tips again, Simon.

0:28:320:28:34

Let's see if we can go and help the people of Stockport.

0:28:340:28:36

Oh, OK. Right. Let's go and meet them.

0:28:360:28:38

How much in advance do you book your currency and where do you buy from?

0:28:390:28:42

Ooh. I tend to go wherever's closest, really.

0:28:420:28:44

I mean... Where did I get it from last time?

0:28:440:28:47

-I think we just went to a bureau in the centre of town.

-Oh!

0:28:470:28:49

-Is this not what you want to hear?

-No, it's not what he wants to hear.

0:28:490:28:52

Anything like that, which is an exotic currency, so the Hungarian forint,

0:28:520:28:57

the Polish zloty, all those currencies, do not get them here in future, please,

0:28:570:29:01

because you will find you get a terrible rate.

0:29:010:29:04

Just take sterling notes. They've got loads of bureaux de change

0:29:040:29:08

in all those places and just shop around and get the best deal there.

0:29:080:29:11

We're going down to south Wales for £58.

0:29:110:29:15

-What, all of you?

-Return. And we're taking her cousin as well.

0:29:150:29:18

-No!

-Very nice.

-On the train?

-Yeah, on the train.

0:29:180:29:20

That's fantastic. You must have booked that eight years ago.

0:29:200:29:24

Maybe not quite that, but I always try for the maximum.

0:29:240:29:27

-Cuba. I'm going to Cuba this year.

-What have you done about your holiday money, for example?

0:29:270:29:31

-Do it on a card, basically. I use my card.

-No.

0:29:310:29:33

They don't do cards in Cuba.

0:29:330:29:36

You're going to need to change some money into local pesos.

0:29:360:29:39

So, if you don't have local money, then you're basically just going to

0:29:390:29:42

be ripped off, because you're going to pay 20 times what you need to.

0:29:420:29:46

Enjoy your beverages, ladies.

0:29:460:29:48

-So nice to talk to you.

-It was nice to meet you.

0:29:480:29:52

Earlier on, we met high-flying supermum Nikki,

0:29:540:29:57

who loved treat herself and her family.

0:29:570:30:00

So, can we rein in that spending in time for her wedding?

0:30:000:30:02

Nikki Richards has a job with a bank that takes her all over the world,

0:30:060:30:10

two children and an imminent wedding to her Jamaican fiance, Anton,

0:30:100:30:14

to manage. It's no wonder

0:30:140:30:16

thinking about her spending habits sometimes takes a back seat.

0:30:160:30:20

You are aware that our wedding is in less than three weeks, right?

0:30:200:30:23

-Yeah.

-Listen, you're just too relaxed, babe, like!

0:30:230:30:26

SHE LAUGHS

0:30:260:30:27

Personal finance expert Simon Reid has already freed up

0:30:270:30:31

some of Nikki's hard-earned cash,

0:30:310:30:33

by cutting back on her grocery bills and beauty treatments.

0:30:330:30:37

So, it would reduce the cost per month

0:30:370:30:39

from £90-£100

0:30:390:30:41

to just £9 or £10 a month.

0:30:410:30:43

That's unbelievable! I could save so much money.

0:30:430:30:46

But there's still plenty for Simon to do,

0:30:480:30:51

because Nikki's just gone and splashed out on a lavish hen do,

0:30:510:30:55

complete with a pricey designer cake.

0:30:550:30:57

And now she's ready to get financially fit

0:30:570:31:00

in time for her wedding.

0:31:000:31:01

Push your legs out to the floor.

0:31:010:31:03

Nikki's hired personal trainer Chigs for regular workouts.

0:31:030:31:07

And while Nikki's busy burning the calories,

0:31:070:31:09

Simon's back to see if he can stop her burning cash.

0:31:090:31:12

So, tell me about these personal training sessions.

0:31:160:31:19

Firstly, what are they for?

0:31:190:31:21

With the wedding coming up, I wanted to be superfit,

0:31:210:31:23

-fit into my wedding dress, you know?

-Of course.

0:31:230:31:25

So, I booked three months' sessions

0:31:250:31:28

-with him, for about £1,000.

-Yeah.

0:31:280:31:30

And then that was supposed to be it.

0:31:300:31:32

And now I'm considering, after the wedding, to maybe continue.

0:31:320:31:36

It's an awful lot of money, Nikki. It's an awful lot money.

0:31:360:31:39

So what I'm going to suggest to you is some ways to carry on with this

0:31:390:31:42

fitness programme, but saving a bit of money in the process.

0:31:420:31:45

We should all keep fit.

0:31:450:31:46

So, Simon, what's the trick to doing it without breaking the bank?

0:31:460:31:50

What I'd like you to consider is swapping your real personal trainer

0:31:500:31:53

for an online personal trainer.

0:31:530:31:56

Now, I know it sounds a bit odd but, you go online now,

0:31:560:31:59

you can get actual programmes - personalised programmes -

0:31:590:32:01

and they can all be for free.

0:32:010:32:04

Top advice, Simon.

0:32:040:32:05

Most personal trainers charge around £30 an hour,

0:32:050:32:08

but there are plenty of apps and computer games

0:32:080:32:10

that can give you a fitness plan for a lot less, or even free.

0:32:100:32:14

I think the virtual personal trainer's good.

0:32:150:32:17

I could actually dig up an old games console that I have,

0:32:170:32:19

because that has a virtual trainer on that, and I can do it

0:32:190:32:22

-in the comfort of my own home, especially with the kids.

-Yes.

0:32:220:32:24

-You need to be self motivated to do it.

-Oh, yeah.

0:32:240:32:26

-You've got that in you, haven't you?

-I have, yeah.

0:32:260:32:29

If Nikki swaps half of her sessions for a virtual version,

0:32:290:32:33

she gets the best of both worlds

0:32:330:32:35

and could save £166 a month.

0:32:350:32:38

-All that's saving you money, really, that's my plan.

-Yeah.

0:32:390:32:42

And keeping you as fit and healthy as you are now.

0:32:420:32:44

I'm starting to like you now!

0:32:440:32:46

After that workout, it's not surprising that Nikki's

0:32:480:32:51

feeling a little peckish.

0:32:510:32:53

-Lobster, prawns. Squid.

-Lobster.

0:32:530:32:55

-Yeah, I love lobster.

-That's why I've got no money.

0:32:550:32:59

Simon's called her family together

0:32:590:33:01

at their favourite Italian restaurant.

0:33:010:33:03

Well, wasn't that a lovely meal?

0:33:030:33:05

-It was, yeah.

-I've really enjoyed it.

0:33:050:33:07

That's fantastic.

0:33:070:33:09

With her mum, grandma and best friend Tiffany gathered,

0:33:090:33:12

Simon's determined to get to the bottom of Nikki's attitude to cash.

0:33:120:33:16

I want you to tell me the truth

0:33:190:33:22

about what kind of spender Nikki is.

0:33:220:33:24

-She's impulsive.

-Impulsive.

0:33:240:33:26

If she sees something, she wants it, she gets it.

0:33:260:33:28

-Price doesn't really...

-Price doesn't...

-No, it's not going to

0:33:280:33:31

-be a factor.

-Doesn't really think about it.

-Not at all.

0:33:310:33:33

I think she spends more on her children than she does on

0:33:330:33:36

herself, to be fair.

0:33:360:33:39

But Nikki does spend

0:33:390:33:42

not wisely at all.

0:33:420:33:43

What would you say to that?

0:33:430:33:45

I think they're telling the truth, to be fair.

0:33:450:33:47

Normally, I'm always in a rush.

0:33:470:33:49

So, if I want something, I just want it now.

0:33:490:33:52

SHE LAUGHS

0:33:520:33:54

Generous Nikki's carefree spending -

0:33:540:33:57

particularly when it comes to her kids -

0:33:570:33:59

means she doesn't take advantage

0:33:590:34:01

of easy saving opportunities.

0:34:010:34:03

Last time you went to an Italian chain restaurant...

0:34:030:34:06

-Yes?!

-I've had a look at your spending.

0:34:060:34:08

You spent something like £89.75.

0:34:080:34:12

You've got a huge project in your house.

0:34:120:34:14

You need a lot of money. So, you actually need to think about

0:34:140:34:17

the way you spend money.

0:34:170:34:19

And there's a super easy way to cut your spending on dining out.

0:34:190:34:23

Most major restaurant chains offer regular deals, which are published

0:34:230:34:26

on their websites. You can print out vouchers

0:34:260:34:29

offering two-for-one meals and even free meals for the kids.

0:34:290:34:32

Next time you're eating out, check online for offers.

0:34:320:34:35

You might be in for some tasty savings.

0:34:350:34:38

You spent £89.75.

0:34:380:34:40

-If you'd used the voucher...

-Yeah.

0:34:400:34:42

OK, that meal would have cost you...

0:34:420:34:44

£67.35.

0:34:450:34:48

-Wow!

-If you did that every time you went out,

0:34:480:34:51

you'd save £20-odd.

0:34:510:34:52

-You'd start saving hundreds of pounds, wouldn't you?

-Yeah.

0:34:520:34:55

Simply using restaurant vouchers

0:34:550:34:57

could save Nikki around £2,160 a year,

0:34:570:35:01

and still allow her to be a super generous host.

0:35:010:35:05

-With that in mind, would you do it?

-Yes! Yes!

0:35:050:35:07

So, that's the main course done.

0:35:090:35:10

What's for pud?

0:35:100:35:11

Earlier on, Nikki confessed she likes to spend big on designer cakes

0:35:130:35:17

for family celebrations.

0:35:170:35:18

It's her way of saying thank you for all the childcare help she gets.

0:35:180:35:22

So, Simon sent her to meet cake decorator Collette

0:35:220:35:25

for a crash course in sugar sculpture.

0:35:250:35:27

But first they want to talk money.

0:35:270:35:30

How much do you actually spend on your cakes?

0:35:300:35:33

On average, I think it's about £150 to £200 per cake.

0:35:330:35:38

And I normally buy, like, birthday cakes.

0:35:380:35:41

And then we've got Easter, Christmas...

0:35:410:35:44

And everything else. So, probably around six or seven cakes a year.

0:35:440:35:48

-Wow.

-At average £150 to £200.

-Wow! That is quite a bit, Nikki.

0:35:480:35:52

-It is.

-But, today, what I'm going to do is actually

0:35:520:35:54

show you how to save some money.

0:35:540:35:56

-OK! That's good!

-By making your own cakes!

0:35:560:35:58

-Oh, God!

-Honestly, it's a lot easier than it actually looks.

0:35:580:36:02

-OK.

-And you're going to join in as well.

-Am I?

-Yes, you are!

0:36:020:36:05

We've got a nice, lovely chocolate cake that I made, prepared already.

0:36:050:36:08

-Yeah. And it smells lovely, I must say.

-Thank you so much.

0:36:080:36:11

A recent survey of mothers

0:36:110:36:13

found that just 8% baked birthday cakes for their families.

0:36:130:36:18

I am not very creative.

0:36:180:36:19

-I'm not very good!

-That's fine. Just give it your best shot.

0:36:190:36:22

At £200 a pop, Nikki's annual spend on cakes is £1,200.

0:36:220:36:27

But she won't have to fork out nearly that much

0:36:270:36:30

once Collette's through with her.

0:36:300:36:32

I'm a pro!

0:36:320:36:34

-My husband to be, he's a chef.

-Is he?

0:36:340:36:36

He bakes all the time.

0:36:360:36:38

-Amazing!

-He actually tells me off

0:36:380:36:40

for spending so much money on cakes

0:36:400:36:43

and all that kind of stuff. Cos he does say, you know, we can make it.

0:36:430:36:47

Absolutely.

0:36:470:36:48

That's good to know. Sounds like a good catch, our Anton.

0:36:480:36:52

And after just 45 minutes,

0:36:520:36:53

Nikki's ready to reveal her first designer cake.

0:36:530:36:56

And that's your completed cake.

0:36:560:36:59

-Yes!

-At a fraction of the price.

0:36:590:37:02

Fantastic job, Nikki! Well done.

0:37:020:37:05

-I thought it wouldn't look, like, as good as it does.

-Yeah.

0:37:050:37:08

But it actually does look like you can purchase it from the shop.

0:37:080:37:11

-Absolutely.

-It looks really professional.

0:37:110:37:13

Do you have any idea how much that cake actually cost to make?

0:37:130:37:16

Maybe around...£90?

0:37:160:37:19

-Go a bit lower.

-70?

0:37:190:37:22

Go a bit lower than that.

0:37:220:37:24

50?

0:37:240:37:25

To be honest, it cost no more than £25...

0:37:250:37:29

-Wow!

-for the whole amount.

0:37:290:37:31

Crikey! By switching to some home baking,

0:37:310:37:33

it's not only her cakes that will rise, but her savings, too.

0:37:330:37:37

Plus, there's the opportunity

0:37:370:37:39

for a new activity for her to teach the kids.

0:37:390:37:42

-I can see me doing it with the children...

-Sure.

0:37:420:37:44

At least twice a year, as opposed to, like, none, at the moment.

0:37:440:37:48

If Nikki replaced just two of her designer shop-bought cakes with

0:37:480:37:52

home-made ones, she could save £350 a year.

0:37:520:37:56

That's a good slice.

0:37:560:37:59

As Nikki's financial overhaul comes to an end,

0:37:590:38:01

Simon has returned for a final heart-to-heart.

0:38:010:38:04

So, Nikki, I've come to the end of my time with you.

0:38:040:38:08

I wanted to ask how you're feeling about your financial future.

0:38:080:38:12

I'm feeling really good, actually.

0:38:120:38:15

You highlighted some areas that I didn't even think of, to be honest,

0:38:150:38:19

like the beauty school.

0:38:190:38:20

And I like the idea about the restaurant app,

0:38:200:38:22

and just checking to find out about the deals and the vouchers.

0:38:220:38:25

-So I'm really happy. Really excited.

-Fantastic.

0:38:250:38:27

And I'm glad you're so positive about the future.

0:38:270:38:30

It's all about giving yourself the choice

0:38:300:38:33

of having the money to spend on

0:38:330:38:35

-what you want by not wasting it on other things.

-Yeah.

0:38:350:38:39

If Nikki put all of Simon's suggestions into place,

0:38:390:38:42

she could save...

0:38:420:38:46

..bringing her grand total

0:39:030:39:06

of yearly savings

0:39:060:39:08

to £7,562.

0:39:080:39:10

I feel I could definitely have made wiser choices in the past.

0:39:120:39:16

I have not been as wise as I could be with the money that I've had.

0:39:160:39:20

So I will be changing that for the future.

0:39:200:39:25

The dream home is now a reality.

0:39:260:39:29

I'm really, really excited about

0:39:290:39:31

what is next for me and the family.

0:39:310:39:34

And Nikki has a very good reason for not being here in person.

0:39:410:39:45

She's currently in Jamaica, four days into married life.

0:39:450:39:48

But I'm pleased to say Nikki and her husband, Anton,

0:39:480:39:51

have taken time out of their honeymoon to join us.

0:39:510:39:54

Firstly, congratulations to the happy couple!

0:39:540:39:56

-Thank you!

-What's it like over there at the moment?

0:39:560:39:59

I bet it's beautiful, is it?

0:39:590:40:00

It's amazing, Dom, it's absolutely beautiful.

0:40:000:40:03

The weather is great, it's hot.

0:40:030:40:05

The beach is amazing.

0:40:050:40:08

Anton, can I just say, when Nikki arrived,

0:40:080:40:11

-did she have a suitcase full of tea bags?

-Excuse me?

0:40:110:40:14

Oh, she hasn't explained that yet, have you, Nikki?

0:40:140:40:16

You're going to need to later!

0:40:180:40:19

Nikki, you were keen to curb your spending habits,

0:40:210:40:23

because you said Anton was a real saver.

0:40:230:40:25

I ain't going to buy what I don't need.

0:40:250:40:28

I guess this is why it was important to do the show,

0:40:280:40:31

that you are both on the same page starting married life.

0:40:310:40:34

Yes, I think it's very important. I think it's a wonderful thing.

0:40:340:40:38

I've already implemented one of the things, and I've started to write

0:40:380:40:41

things down instead of just going straight ahead and spending.

0:40:410:40:45

And it's helping a lot.

0:40:450:40:48

She's been doing great.

0:40:480:40:49

What's the biggest lesson you've learned?

0:40:490:40:51

I think planning is the biggest lesson,

0:40:510:40:54

and especially starting married life,

0:40:540:40:57

and we don't know what the future may bring.

0:40:570:41:00

-If we're going to have an extended family...

-Ooh!

0:41:000:41:03

We need to make sure...

0:41:030:41:05

-Ooh!

-Aww!

0:41:050:41:07

We need to make sure we're not wasting money, obviously,

0:41:070:41:10

so it's important to plan ahead, I think.

0:41:100:41:13

Will you keep up the good work from now on?

0:41:130:41:15

Definitely. I haven't got a choice. He won't let me.

0:41:150:41:17

I'll make sure that she does.

0:41:170:41:20

I'll definitely make sure she does.

0:41:200:41:22

Nikki, Anton, thanks very much and good luck with married life.

0:41:220:41:25

-Thank you!

-Good luck.

0:41:250:41:27

-Cheers, guys.

-See you.

0:41:270:41:30

If you're looking for advice on how to curb your spending,

0:41:300:41:32

or save up for a holiday or even a honeymoon, e-mail us...

0:41:320:41:35

But if you're after some simple budgeting tips,

0:41:380:41:40

here's a good place to start.

0:41:400:41:42

Our website has everything you need to sort your spending.

0:41:430:41:47

We've teamed up with the Money Advice Service to bring you

0:41:470:41:51

easy-to-use money-saving tools to plan your budget,

0:41:510:41:54

calculate the cost of your car or credit cards

0:41:540:41:57

and give your money a complete health check.

0:41:570:42:00

Download them...

0:42:000:42:02

Travel expert Simon Calder has joined us again to answer questions

0:42:090:42:12

from some of the people we've met today.

0:42:120:42:14

Toby says his plane has been delayed for two hours,

0:42:140:42:17

can he claim compensation?

0:42:170:42:19

Sorry, Toby, if it had been three hours late arriving,

0:42:190:42:23

and it was the airline's fault, well, yes,

0:42:230:42:25

you could have claimed compensation under European rules.

0:42:250:42:29

So long as you are flying from a European airport or on a European

0:42:290:42:33

airline anywhere in the world.

0:42:330:42:35

As it is, two hours late, I'm afraid,

0:42:350:42:37

you might get a free cup of tea while you're waiting,

0:42:370:42:40

but that's your lot.

0:42:400:42:41

-Sorry, Toby.

-Gary says,

0:42:410:42:42

how can I save money on my mobile phone bill when I go abroad?

0:42:420:42:45

We all want to know that one.

0:42:450:42:47

Gary, don't take your mobile phone abroad!

0:42:470:42:49

You can take it abroad if it's going in Europe,

0:42:490:42:52

because last month they cleared away roaming charges.

0:42:520:42:56

But if you're going to Turkey, Morocco,

0:42:560:42:59

Florida, Dubai, be very afraid.

0:42:590:43:02

And I make all my calls on things like Skype or FaceTime.

0:43:020:43:06

Those enable you to communicate for nothing,

0:43:060:43:09

-as long as you have found some Wi-Fi.

-Margaret says,

0:43:090:43:12

I regularly use the train to visit friends and family across the UK,

0:43:120:43:15

but the train fares are getting more and more expensive.

0:43:150:43:18

How can I get cheaper fares?

0:43:180:43:20

-I agree with her.

-Well, here's what you have got to do, Margaret.

0:43:200:43:23

Plan in advance and be very flexible.

0:43:230:43:25

Avoid those nasty peak-hour trains,

0:43:250:43:28

and, of course, if you need to and fares aren't low enough,

0:43:280:43:32

then go for split ticketing.

0:43:320:43:34

That's where, for instance,

0:43:340:43:36

I'm heading from Stockport to London on not one ticket,

0:43:360:43:40

but a series of them, which will get me there for about £20, £30

0:43:400:43:43

cheaper than the normal straight-through fare.

0:43:430:43:46

I have a question from a certain Denise Lewis from Wolverhampton.

0:43:460:43:49

I don't know whether you know her. What would you do if your passport

0:43:490:43:52

has expired, and you've got 24 hours before you've to fly?

0:43:520:43:56

Well, first of all, don't panic - that will do no good at all.

0:43:560:43:59

Secondly, get onto the Passport Office.

0:43:590:44:01

Sweet talk them and say, "I've really got to come in in the

0:44:010:44:04

"morning, you've got to turn round my passport straightaway."

0:44:040:44:07

If you're an adult, then you can do that.

0:44:070:44:09

It's basically, well, almost double the normal passport price.

0:44:090:44:14

If, however, it's a child, anybody under 16,

0:44:140:44:18

I'm afraid that's going to be an awful lot tougher -

0:44:180:44:20

you have to allow a week for it.

0:44:200:44:22

-He's a wealth of knowledge, isn't he?

-He's a guru.

0:44:220:44:25

We love you, Simon. Some great advice there, Simon.

0:44:250:44:27

Thank you very much, and thanks to all of our guests today,

0:44:270:44:29

and of course to you at home, too.

0:44:290:44:31

Hopefully you've picked up lots of money-saving tips.

0:44:310:44:34

-Until the next time, bye-bye.

-Cheerio.

0:44:340:44:36

The team help a busy mum who just loves to splash the cash on pricey beauty treatments and personal training sessions. By suggesting some ways to pamper herself at a fraction of the cost, can the expert whip her into financial shape? Plus we catch up with some of the families who had a money makeover last series. One year on, the results are staggering.

There are plenty more hints and tips on how to transform your spending and finances at bbc.co.uk/rightonthemoney.