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Kim talks to developer Cally Russell about Mallzee – the fashion app that will save you a fortune on your summer wardrobe. Mike Holmyard from Citizen’s Advice Scotland takes us through the changes to overdraft charges. Colin MacIntyre explains how being made redundant from the oil and gas industry gave him the opportunity to build his own business. He has advice for others who want to be their own boss. Cat Livesey from the fraud prevention team at RBS has a step by step guide to avoid financial scams. Mhoraig Green from Citizen’s Advice Scotland tells us what to look out for when signing a lease. Money Coach Eileen Adamson says it’s time to start planning your financial calendar for the year ahead