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They say money can't buy you happiness, but being completely broke does tend to wipe the smile off most faces. Luckily Late Night Woman's Hour has assembled a panel of money experts to help, and they've shared their top tips for improving your bank balance.

They are Iona Bain, who founded the Young Money Blog after her prized (and full) piggy bank was stolen, Steph Hayter, the chief exec of The Money Charity, Otegha Uwagba of Women Who, whose head is very much screwed on in the finance department, and journalist Marisa Bate - whose 'complicated' relationship with money makes her the perfect person to tell others exactly what NOT to do.

For a more in depth exploration of women and their cash, and lots more great advice, download the Late Night Woman's Hour podcast on Money.