Where you live is a vital part of your wellbeing and general happiness, but it can very often feel overwhelming and like a drain on your finances. With rising house prices and letting agents and landlords charging excessive fees or fines, it can seem like the wild west out there. Luckily Bea was able to sit down with housing journalist Vicky Spratt. She set up the campaign #MakeRentingFair, which was integral in the passing of the Tenants Fees Act 2019. Vicky explains why this act was so necessary, exactly what the act means for tenants and their wallets, as well as running through some of the problems that can arise while renting.

Kalpana explains what a guarantor is and why someone might need one.

For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline.

You can join the conversation with the hashtag #Money101Pod. Kalpana is on Twitter @KalpanaFitz, Vicky is @Victoria_Spratt, Ally is @AllyMcCrae and Bea is @beaduncan_.

The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.