The Hey Big Spender! interactive discussion was broadcast on Wednesday, 28 January, 2004 at 2200 GMT.
If you had a question on how to cope with your debts, or needed some vital money saving advice, our experts were there to give you unbiased advice.
Money Box Presenter Paul Lewis was joined by financial journalist Martin Lewis and Teresa Perchard of Citizens Advice.
Presenter Paul Lewis
Paul Lewis is the presenter of BBC Radio 4's Money Box, and also presents Money Box Live on alternate weeks.
He turned full-time to writing and broadcasting on finance in 1986. Since then, he has won numerous awards.
Recently, he was the only broadcast journalist named in the Money Marketing list of people with "power and influence in financial services".
He also writes regularly for several newspapers and magazines.
Martin Lewis, money-saving expert
Martin Lewis spends his life focusing on how to cut bills without cutting back.
A broadcaster and journalist, he has a weekly slot on ITV1's This Morning, regular phone-ins on BBC Radio 5 and BBC Radio 2, and a column in the Sunday Express.
He also runs his own money-saving website.
Teresa Perchard, Citizens Advice
Teresa Perchard is Director of Policy at Citizens Advice.
She is also a long-standing member of the government's Over-indebtedness Task Force.