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.

The financial journalist and Angellica Bell offer advice to viewers about how to get the best deals possible on car and home insurance policies, some of the biggest bills to hit people's pockets. Plus, are you part of one of the 1.3 million households entitled to claim pension credit?