This week, Joel's filling in for Lucy, who is unfortunately stranded in the snow, fighting off yetis to stay warm. She'll be back soon!

You're not alone if you're a bit disappointed by the savings rates on offer these days. According to Moneyfacts, a basic-rate taxpayer now needs a savings account with a 3.37% interest rate to beat inflation (or 4.5% for higher-rate taxpayers). In other words, the value of the money in your savings account is shrinking.

When you apply for credit - whether it's a loan, credit card, overdraft or mortgage - you'll be quoted an interest rate. This is usually the APR (Annual Percentage Rate) - in other words, how much interest you'll pay over a year (plus any other fees)

The high street's big names aren't the only ones going under. Almost 9,000 companies in England & Wales entered 'liquidation' in the first nine months of last year. Who's affected?

The best way to get out of debt will depend on how well you're coping with it. Whatever situation you're in, this guide could help.