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Kim McAllister asks what would you do if you could afford a year out. Money Coach Eileen Adamson talks us through the techniques of creating a vision board and starting a spending diary to help you reach your goal. The mature students at Glasgow University explain the sacrifices they had to make in order to be able to afford to return to the classroom. Eileen shows the importance of calculating and monitoring your net worth. Mike Holmyard from Citizens Advice Scotland says it鈥檚 time to start digging your way out of persistent credit card debt. Pensions guru Kevin Hollister has a step by step guide for planning an affordable old age.