Podcasts from Share Radio Morning with Sarah Pennells related to Personal Finance

The start of the new tax year earlier this month didn't only mean changes to taxes and the introduction of a lifetime ISA, it also resulted in some big changes to benefits. Critics say that some of these changes will leave families much worse off. And some of the changes, such as the introduction of the so-called 'rape clause' are pretty controversial.

Retirement can often be the trigger for a big purchase, whether it's a new kitchen or a brand-new car. But what happens if the car you buy develops a major fault or the kitchen turns out to be fitted by cowboys? What are your rights and when can you make a company refund your cash? Sarah spoke with Sylvia Rook, who's lead officer for fair trading at the Chartered Trading Standards Institute; Martyn James, who's from the complaints website Resolver; and Kate Jobson, who's a consumer law expert at Citizens Advice.

The Competition and Markets Authority has recently brought in new rules for car rental firms to make their pricing clearer for customers. Hidden costs, such as insurance and young driver surcharges, are often not included and customers should be given a clear "drive away" price. So are companies sticking to the rules? Share Radio's Jinan Rahma has been finding out.

It's just over a month until the launch of the government's tax-free childcare scheme, which will give parents up to £2,000 towards the cost of their childcare. The scheme will go live on April 28th and will be available initially for parents with the youngest children. Meanwhile later this year, the amount of free childcare that parents will be able to get will increase to 30 hours a week in termtime compared to the current limit of 15 hours a week. So, how can you find the childcare that's right for you and your budget and how do you apply for the new tax-free childcare? This week Sarah Pennells is joined by Lynn James who's the founder of money blog Mrs Mummypenny and Chris Davis, head of the Customer engagement team at HM Revenue and Customs.

New data suggests less than a third of us check terms and conditions before sharing personal data, which could leave us open to having personal information fall into the wrong hands, being shared amongst unknown groups. Share Radio's Tom Hill spoke to Neil Aitken, Spokesman for Payments UK, to find out more.