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In this episode Denise Lewis and Dominic Littlewood present from Liverpool, where they meet a former police officer and army veteran who has been left struggling to maximise his money since a life-changing incident outside his home. Personal finance expert Sarah Pennells attempts to get his bank balance back in the black, beginning with simple changes to his household expenses and credit card bills.

There is also a look at the long-established regional dishes that are as cost-effective as they are tasty and, as exclusive research for the programme reveals why so many people run out of money long before payday, there is advice on how to make a budget stretch further.

And, with the increasing use of contactless cards rather than cash, an impulse spender is challenged to live without her plastic for a week.