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Older people received another boost to the state pension this week taking the full rate to over £11,000 a year. This year's increase of 8.5% was thanks to the triple lock commitment - a guarantee the state pension will rise each year by the higher of CPI, wages or 2.5%. What does the future hold? While there is plenty of speculation the state pension may become means tested, in reality it could be incredibly hard to implement. Tanya Jefferies, Georgie Frost, Helen Crane and Lee Boyce talk state pensions – and how they compare to other countries. And sticking on the theme, there is another delay for the Government’s new online state pension top-up service. When will it launch? NS&I has a four-day IT meltdown that makes it a struggle for customers to log-in – and it suggests to one that she may have a ‘time drift.’ What does this bizarre explanation mean? Crane is on the Case once more, this time Eon is in the firing line after it insisted a part-time dance teacher used £95,000 worth of energy … in a month. And who on earth would hold an American Express card in their wallet with an APR 704.6%? Lee has the answer.

Just in the United Kingdom alone, it has been estimated that there is £200 billion lying unclaimed as dormant assets. Better analysis is needed, more use should be made of search facilities by families — but the money needs to be put to work, prioritising inter-generational rebalancing. The Dormant Assets Act 2022 is a major step forward by Government, and the Reclaim Fund will enable its provisions to be put into practice. This will become an increasingly important contribution to empowering disadvantaged young people as the birth rate falls. Background music: 'Sea of Ancestry' by Jesse Gallagher.

There's a warning for savers who's fixed term deals are coming to an end - don't take your eye off the ball now or risk having your returns wiped out in a matter of months. A year ago, there was a flurry of savers choosing fixed-rate bonds as they improved drastically. But if you don't act, the chances are it'll rollover into an awful rate. Helen Crane, Lee Boyce and Georgie Frost talk savings, just as we head into a new financial year. Also on the savings front, NS&I reveals the rate of the new British Savings Bond - is it worth it? And an ISA millionaire reveals all to This is Money on how he built up a seven-figure pot. Helen tackles another reader problem – this time, it's a case of the unwanted and unneeded SIM card costing a pensioner couple hundreds of pounds. And on the utilities front, Lee reveals how Ofcom saved him from a 75% rise in his monthly broadband costs, and why you should check if you're out of contract with your mobile phone. Mortgage approvals are up - but house prices nudge lower. What's going on? Meanwhile, research shows a record third of all homes are being bought by first time buyers – and they make up 89% of buyers in one Berkshire town. Lastly, entrepreneur Tim Armoo runs the rule over five money-making fads doing the rounds on social media – are any of them worth your time?

The Bank of England held interest rates again this week as inflation dropped once more. So, are we out of the woods yet? Will inflation keep coming back down towards target and the Bank of England soon seamlessly switch back to cutting rates? Or will central bankers be keen to hold onto higher rates, even if we get hit by a bout of disinflation? Georgie Frost, Lee Boyce and Simon Lambert look at what next for inflation and interest rates and what it means for your money. Also, should the Waspi women who saw their state pension age rise rapidly be compensated for the poor communication and how much of a victory was this week’s Parliamentary Ombudsman Waspi report a victory for them? As that happened, more news emerged on underpaid state pensions – as exposed by our Tanya Jefferies and pension columnist Sir Steve Webb, and the team update us on that. Plus, what’s going on with the chaos at HMRC and who is to blame for the failure to keep up with our increasingly tricky tax system. And finally, meet the Scambaiters – we find out what they do and why.

The debacle over widespread errors in the state pension that This is Money and Sir Steve Webb uncovered, continues. As of the end of October last year, DWP had paid out just under half a billion pounds to more than 80,000 people who’ve been underpaid. But what about those who have died? Tanya Jefferies, Lee Boyce, Angharad Carrick and Georgie Frost reveal the case where a letter was sent to the daughter of an 100 year-old man three years after he passed away, stating he had been unpaid state pension for two decades. Yet, despite the letter – months later, she was left hanging on what the DWP was actually going to do about it. And still on the state pension front, people continue to complain of top-ups chaos as the Government gets ready to launch a new online service next month. Sir Steve is calling on DWP and HMRC to get in more staff. You don’t need HMRC to have more staff to answer your call, oh no! You just need to be a VIP. Apparently there is a helpline, also known as Public Department 1 (PD1) which answers calls nine times quicker. We explain more. On the savings front, the FCA is launching a campaign to encourage savers to shop around – and if you rushed to sign up for a one-year fixed-rate cash Isa this time in 2023, Lee explains why you must act. Optional and mandatory service charges at hospitality venues – Georgie, Ang and Lee give their verdict. And finally, the price of bitcoin jumped beyond $60,000 this week. What’s behind the latest cryptocurrency surge?

Britain's disposable income has dropped substantially over the past 14 years compared to where it should be, according to a new report this week. The Centre for Cities said that the average household's disposable income has fallen £10,000 behind where it would have been if pre-2010 growth rates had been maintained. On average we have got better off, but we are well below what would have been expected. Georgie Frost, Lee Boyce and Simon Lambert look at what the problems could be, why aren't we getting richer quicker, why are we falling behind our international peers and what can be done. Plus, while our living standards aren't rapidly accelerating, house prices have and the average seller made more than £100,000 last year - are property inflation and the slowing in disposable income growth linked? Simon, thinks it's part of the problem. Savings rates have started to slip, so do dividend-paying investment trusts yielding 5% or more look like an attractive move? And finally, some tips on how to make the most of Avios points - but who on the team is the Avios winner, and who is the self-described Avios loser?

The UK sub-postmasters' scandal is not just an issue for politicians: it deeply questions the quality and integrity of corporate governance, auditors and the legal profession: for example, surely The Law Society should have monitored the quantum of convictions and cried 'wolf'? The huge quantum of unclaimed adult-owned Child Trust Funds is a similar massive injustice for young people from disadvantaged and low-income backgrounds. Politicians, account providers and regulators need to take urgent action to tackle the £2 billion challenge: however, The Share Foundation is crying 'wolf' in this case — but will people listen? Background music: 'Missing Persons' by Jeremy Blake

After a good year for Premium Bonds when the only way was up for the prize fund rate, savers got a blow this week as a cut arrived. The prize fund rate is being cut to 4.4% from 4.65%. That edges the average return - which you may or may not get - from Premium Bonds further below the best savings deals, so should you save instead? Or would many Premium Bond holders be better off investing? Georgie Frost, Lee Boyce and Simon Lambert discuss whether Premium Bonds stack up. Plus, as the US securities regulator approves bitcoin ETFs, is the price now headed for $200,000 as some suggest, or could this be enticing more naive investors into the volatile world of crypto that's been dogged by fraud? Later, Lee reveals his car insurance woes - and shares tips on how to deal with your own renewal quite pain-free. And finally, find out who on the podcast team is not drinking for January, who is taking an extremely haphazard approach to it, and who is planning to go all the way to Easter, as we discuss the no and low-alcohol beer boom and the ones we rate the best.

Georgie Frost, Simon Lambert and Tanya Jefferies discuss a new online service coming next Spring for state pension top-ups. Also, Simon looks at what's going on in the Bond market. There's also comment on premium bond values, and the team pick up a cause of local disputes: cameras in the back garden!