Although people may avoid talking about their finances in polite company, that doesn’t mean they aren’t thinking (and fretting) about them. Canvas8 spoke to 20 men and women from across the UK to find out how good they are at sticking to a budget and tracking their spending.

Between crippling student debt, rising house prices and little disposable income, Gen Yers have got it pretty tough. And they’re not feeling any more positive about the future. Despite many having enrolled in further education, they have the most negative attitudes towards employment.

With the pound’s value weaker now than it was at the peak of the financial crisis in 2009, money woes are hitting hearts just as hard as wallets, causing 72% of Brits to pinch pennies. Canvas8 sat down with 20 men and women from across the UK to find out what they cut back on when money’s tight.

People who manage their finances online still aren’t benefiting from the money they’re saving their banks. Loot wants to change this, offering students an app and debit card combined with personalised advice and retail offers. But can it really help the 80% of university-goers who fret about debt?