Share Sounds from Young Money presented by Sarah Pennells (1)

If you're a millenial - or younger - you're far more likely to use a peer-to-peer lender or crowdfunder than your parents' generation. The peer-to-peer lending and crowdfunding markets have grown rapidly and with a rise in the number of financial disrupters, traditional ways of investing and borrowing are being challenged. And others are choosing crowdfunding as a way of raising money for anything from paying off debts to tuition fees. Sarah looks at the pros and cons with her guests; Young Money champion Amelia Murray, Tom Woolf, founder of EdAid, Lucy Bott of Ratesetter and Tom Britton, co-founder of the Syndicate Room.

This week Sarah looks at how you can save money on your weekly shop, if you need to make your money stretch a little bit further. Saving money on your food shopping doesn't mean eating badly though and joining Sarah to discuss how to get the most for your pound are Kelly Eroglu from the Reduced Grub blog, Caroline Taylor from the All That I'm Eating blog and young money champion, Rachael Healy.

Have you been using your credit cards to get in on the black Friday deals, or perhaps some Christmas shopping? Credit cards can be extremely useful against fraud but can be a big problem if you aren't able to pay them off quickly. So should you bother, or are you better off without? To discuss this with Sarah she is joined by Young Money champion, James Connington, Andy Webb of becleverwithyourcash.com, Andrew Haggar of Moneycomms and Hannah Maundrell of Money.co.uk.

Struggling to get on the property ladder? Sarah Pennells and Young Money Champion Olivia Rudgard look at the pros and cons of shared ownership with experts Lynda Clark, Editor of First Time Buyer Magazine, Kush Rawal, Sales and Marketing Director at Thames Valley Housing, and Paula Higgins, Chief Executive of Homeowners Alliance. Sarah and Olivia also hear from Alex Campbell who's bought a shared ownership property in Phoenix Quarter in Dartford in Kent.

With a fortnight to go until Black Friday, the panel look at fraud and how to stay safe online. They look at how secure online banking is, and what steps you can take to ensure that you’re not a victim of fraud. Sue Dougan sits in for Sarah and is joined by Young Money Champion Amelia Murray, Harry Rose, money editor at Which?, Joe Hancock, Cyber Security Lead at Mishcon de Reya and Brian Laing of Last Line.

The Pensions and Lifetime Savings Association ran a challenge as part of its annual conference this year; two teams had to come up with ways to get people to save more for their retirement. Sarah is joined by some of the team members – who were all in their 20s and early 30s - to discuss the ideas they put forward.

As winter approaches, many young people living in shared houses will be switching on the heating for the first time. But how do you split heating bills without arguing – and how do you agree when to turn it on in the first place? Sarah also considers whether there are alternatives to having the heating on constantly, and looks at how to switch suppliers if your provider has raised its prices. Sarah is joined by Young Money Champion Rachael Healy and Ben Wilson of GoCompare.

After Lloyds and TSB cut the rates on their current accounts, Sarah and her guests look at where to get the best rates for current and savings accounts. With rates generally tanking since Brexit, are the high-interest accounts still worth it, and are there any alternatives to the high street banks? Is there any point switching accounts when rates across the board are so low? Sarah is joined by young money champion Amelia Murray, Hannah Maundrell of money.co.uk and Anna Bowes from Savings Champion.

Sarah covers the basics about stock markets, clears up some jargon, looks at different fund types and explains how and where you should open an Isa. Her guests today are Young Money Champion James Connington, Moneywise writer Tom Wilson and Richard Stone from the Share Centre.

Sarah and her guests look at why young people don’t save and invest. Is it really the case that millennials are clueless about money? What can they afford, and what are their best options for investing?