It can get pretty tough in January with Christmas bills flooding through the nation's letterboxes, so the financial journalist and Angellica Bell are on hand to help navigate new regulations relating to overdrafts. Plus, there is a look at consumer rights when asking for a refund.

As January, the toughest month for many people, continues, the financial journalist and Angellica Bell look at what solutions there might be for cutting mounting debts, including comparing the pros and cons of loans and credit cards.