In this episode, Andrew & Pål will be investigating why people don’t save on a regular basis and the challenges of encouraging a regular savings habit. We will be speaking with James Kelly a relationship manager at the Money & Pensions Service an arms-length body that works to ensure that people have guidance and access to info to help them make effective financial decisions over their lifetime, including pensions guidance, debt advice and money guidance & Matt Bland who is the CEO of Coop Credit Union based in Manchester that provides loans and savings to members and employees of the Coop Group and a range of other coops.