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On the phone-in:

Scots are facing an "uphill battle" to access their cash after a large number of bank and cash machine closures according to consumer organisation Which? Research found 339 Scottish bank branches had closed their doors since 2015, while 290 ATMs had been withdrawn in the past year. An earlier report by the organisation suggested that the UK could become a cashless society in the next 15 years.
Are you prepared to go cashless?

Also on the show...

FOOD WASTE
The campaign group urging you to ask for a doggy bag after your valentine's meal. And the new Scottish food app trying to commercialise food waste. We look at the more creative ways to stop wasting food. Yvla Haglund is a Food Waste Campaign manager for Zero Waste Scotland, Billy Anderson is the Founder and CEO of GetFed and Eilidh McLeuvhlin is Zero waster coordinator at Locavore.

LEARNING TO SING
Described as a 'natural anti-depressant', we know that singing is good for you physically, mentally and socially....but what if you're tone deaf? Can anyone learn to sing? Lu Berry from Angelic Sounds and Hannah is a Member of the Harmony Choir.

D DAY VETERAN
The 97 year old injured on the D-day beaches who is only now telling his story, 75 years on. Glasgow based William Glen, wrote his D-day memoir after his grandson Fraser Maclean encouraged him to write his memories down.

ASK THE VET
After a French Mayor issues a 'barking ban' in village following complaints - how can you stop your dog from barking? Equine flu and Resident vet Ross Allan takes your calls on 08085929500.

SUBSCRIPTION BOXES
Razors, contact lenses, cheese toasties and sex toys – the range is endless and the subscription box market is booming – but are consumers getting a good deal?

MAKE UP
The male grooming industry is valued at over £40 billion and more and more of that figure is now coming from cosmetics. Why are more men wearing make-up? Susie Scarlet is a Make Up Artist.

CAN YOU NAME THE PLACE?
Clue 1: Today's place has had two names. The first contained a biblical personal name; the second contains an Anglo-Norman personal name.