As part of the BBC's Money Matters roadshow, Radio 4's Money Box Live was broadcast from the Trafford Centre in Manchester.
Presenter Paul Lewis was joined by a panel of guests including mortgage broker Ray Boulger, debt experts Beccy Boden-Wilks and Sandie Lock and financial advisor Graham Hooper.
Find out more about the BBC's Money Matters roadshow.
Find out more about Money Box Live on the programme website.
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