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Join Georgie Frost, Simon Lambert and Lee Boyce to help you cope with the trials and tribulations of a Christmas where little is certain. What happens to your money if your show bookings are cancelled? Plus, they discuss fine wines and what kind of Christmas spread your pension pot might buy. Also - is there a role for wealth taxes?

Premium Bonds are probably Britain’s best loving savings product but are they worth holding? The savings lottery delivers 100% government-backed protection, a theoretical 1% return – dependent on luck – and relatively easy access to your cash. But a new report this week highlighted just how unlikely people are to win big prizes. In fact, unless you have a sizeable amount in bonds, you should expect a long wait for anything over £25. But does the study stack up? What about all the readers telling us they’ve won lots? And does it matter that you’d have to wait ages to win £50 or more – or are those uninspiring regular £25 prizes a much more useful source of returns? Georgie Frost, Adrian Lowery and Simon Lambert dig into Premium Bonds, looking at the odds, the study on big prizes, what our readers have told us, and also how many people hold. Plus, interest rate rise chatter has stepped up a gear this week. Is a hike really imminent? Also under discussion: are the energy saving measures you can take to try to cut your bills, as the price spike sends more providers bust and threatens household finances? As Meghan and Harry get the ethical invest bug, we a look at ESG, greenwashing and how to invest to make an environmental impact. And finally, the topsy-turvy Covid world has thrown a new curveball: one-year-old used cars are now more expensive than brand new ones. How does that work? The team try to explain and reveal the used cars rising in value the most.

On 31 August '21 The Share Foundation hosted a virtual event for young people in Wales, to help them find money that the government put away in a Child Trust Fund for when they reached 18. All young people born in the UK from 1st September 2002 should have one of these accounts, but huge numbers don't know anything about them! With Welsh-speaking help from Jac, this audio podcast of the virtual event tells you all about your good fortune, and invites you to register at https://findCTF.sharefound.org so that Sharefound can help link you with your money. Please share! And if you want to join a virtual event yourself, please visit https://www.sharefound.org/ctf-virtual-events and register for your choice of date: they're taking place each fortnight.

As Simon Rose takes a well-earned break, we re-visit a programme first broadcast in March 2017 when Share Radio was a national DAB station. From April 2017, zero emission cars have been the only vehicles exempt from road tax. Despite growing interest and increasing pressure to move away from polluting vehicles many were still reluctant to make the jump. So just what are zero emissions cars and what should you consider when making the switch from petrol? Tom Hill looks at the current state of zero emissions technology and the challenges facing the industry hearing from a range of experts and commentators

When it comes to state pensions, there has been plenty of talk in recent weeks about the triple lock and what could mean next month when it comes to an uplift. However, more than 2 million receive less than £100 a week in state pension payments – is there a way to boost it? Tanya Jefferies, Lee Boyce and Georgie Frost discuss and reveal the common reasons why you might not receive the full state pension. Sticking with the pension theme, we talk through a case of an ex-Judge who faced a hefty 'advice' fee when he made a decision on a drawdown pot. Spain is still the top choice for those planning to retire overseas – but has the pandemic and Brexit put more people off a life in the sun? Lee reveals why it is now time to be chasing savings rates again and his tips for making sure a challenger bank you've never heard of is a good spot for your cash.

Adam Cox is joined by District Senior Veterinary Surgeon from Vets Now, Lara Wilson, to discuss the veterinary staffing shortages caused by COVID and how this has impacted the approximately 12 million pet owners in the UK. They look at how the staffing shortages have affected wait times and reductions in registered vets, in addition to how the issues can be combatted. https://www.vets-now.com

As Britain's streets are filled with drivers whizzing deliveries around, there's a new top scam in town. Parcel and package delivery scams are the most common type of 'smishing' text messages, a report said this week. Fraudsters are sneaking into people's text messages, pretending to be couriers that missed you while you were out, or need to arrange or rearrange a delivery. Click the link and you could end up being scammed. This is being enabled by the wave of online deliveries in the pandemic, as online shopping stepped up a number of gears, and the somewhat chaotic way some drivers are delivering those parcels: who doesn't recognise the 'leave it on the doorstep and run away tactic'? Lee Boyce, Georgie Frost and Simon Lambert look at what uou can do to avoid falling victim, what are the risks if you do, and can we do anything about the rise in fraud? Also, its squeaky bum time for the triple lock. Wages are officially up 8.8% and the reference month for pension increases is rapidly approaching, so what will Chancellor Rishi Sunak do? Will a bumper increase for the state pension arrive, or the breaking of a manifesto pledge? Plus, the 'blink and you'll miss it' mortgages, as top rates hang around for a very limited time - and the chip shortage that means people are struggling to buy new cars and sending the price of used ones soaring. And finally, is the current account battle back on? As Nationwide bungs people £100 to sign up, the team take a look.

Simon and Georgie investigate some key personal finance issues ..

Adam Cox is joined by Danial Daychopan, CEO and Founder of Plutus, to discuss all things cryptocurrency. They explain what some of the jargon means, why crypto is becoming more widely used and what the future may be for the currency. Danial also talks about Plutus, and how it aims to bring crypto to everyday transactions. https://plutus.it

From October, millions of households can expect to pay even more on their energy bills. Ofgem is raising the energy price cap for the second time in a year, due to rising wholesale costs. The cap is now at a record high and it means those who are on a standard variable tariff, or a prepayment meter, could be facing hundreds of pounds added to their annual bills. Lee Boyce, Grace Gausden and Georgie Frost take a look at the price cap, what it means and how -potentially - to beat it. When it comes to future technology, will we soon see the death of the landline to be replaced by phone calls over wi-fi? Additionally, with growing numbers of households – especially rural ones – turning to satellite broadband, we explain how it works and the potential costs. When it comes to current accounts, we tend to stay loyal. But those who have switched, Starling Bank and Virgin Money have been the most popular destinations. It's a tale of two different switching mentalities – those who want branches and bribes, and those who simply want a sleek app and good customer service. Lastly, Grace on the Case launched 10 months ago. In that time, our senior reporter Grace Gausden has managed to claw back a total of nearly £206,000 for readers. She takes a look back at some of her most satisfying wins and her passion for helping This is Money readers achieve a fair result from a variety of different firms.