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Another rate rise to 3.5%, the ninth in a row; Simon Lambert discusses whether we're nearly there now. Plus, more energy saving tips amid the prospect that bills may not return to pre-pandemic levels until 2030. Georgie Frost, Simon Lambert and Helen Crane look at electric heaters vs. central heating, and they discuss an estimate that green home conversion may not pay off for 17 years. And finally - some people are still waiting for flight refunds going back to 2020.

Adam Cox is joined by Kevin Brown, from Scottish Friendly, to discuss new research which reveals parents’ ability to put money away for their children. They look how sensible it is to give children a Junior ISA as part of their Christmas financial gift, and how Junior ISA's can teach children about investing. https://www.scottishfriendly.co.uk/

Adam Cox is joined by tech and consumer expert Evelina Galli, from PriceRunner, to discuss how the cost-of-living crisis is affecting Brit's buying habits this Christmas. They discuss what products the public are buying more and less of this year, and Evelina gives her top tips for finding the best deals when Christmas shopping. https://www.pricerunner.com/

The mortgage crunch has stalled the pandemic property boom and sent house prices down, but could they fall 20%? The risk of a severe house price downturn of that magnitude was flagged by Rightmove founder and property market veteran Harry Hill. Hill’s CV includes setting up property giant Rightmove and selling estate agency group Countrywide for £1 billion a year before the 2008 banking crisis. Hill told the The Mail on Sunday and This is Money: 'My view on the housing market is that it's going down in every direction. Transactions are going to go down. Prices are going to go down.’ He added that a bad recession would mean ‘we could see 20% price reductions’. Could house prices fall 20% from here? Why would it happen? How bad would that be? Georgie Frost and Simon Lambert discuss the prospects for the housing market, how the rapid rise in mortgage rates is affecting it and what prospective home movers or first-time buyers should do. Plus, they are joined by a very special guest: Lee Boyce, now Money Mail editor, is back on the programme to discuss the Wooden Spoon award for the worst customer service of the year. Who are the runners and riders, what did they do wrong, and why does Simon nominate a couple of firms that aren’t even on the shortlist? Savings rates have been a rare bit of good new recently and Simon talks through the attraction of small building societies and how some are offering market beating rates, but you might struggle to secure them. And finally, it’s time for a second special guest, John Mayhead of classic car specialist Hagerty, who is joins Simon to discuss the insurer’s Bull List of ten classics it tips to rise in value next year. How do these classic cars get on the list, what makes them ripe for appreciation and what’s a Citroen BX doing rubbing shoulders with a Lamborghini Diablo?

Simon Lambert, Helen Crane and Georgie Frost take a close look at the Capital Gains and Savings tax changes on personal investments, while their guest Sir Steve Webb unwraps another error in state pensions. Plus — is this it for the boom in used car prices?

Adam Cox is joined by Gemma Mills, from JOMO Club, to discuss research that suggests how much alcohol Brits are planning on drinking this Christmas, and why people may be consuming less. She gives some ideas on alcohol-free alternatives, and what the "Joy of Missing Out" is. https://jomoclub.co.uk/

Savings and mortgage rates rocketed after what must now always be known as the 'ill-fated mini-Budget', but even as the Bank of England continues to raise rates have they already peaked. The top fixed rate savings deals have edged down from their highest levels - a five-year fix can no longer be had above 5%, for example, while the best two year fix is at 4.75%. So, if you want to lock into a good savings deal, should you grab one now? Or did rates simply race ahead of the Bank of England and the next round of base rate rises will bump them up some more? Georgie Frost, Helen Crane and Simon Lambert look at the potential future of savings rates and why even if they are slightly off their peak, you should still move your money from old accounts. But if a dip in the top savings rates is bad, the easing of mortgage rates is good news. Average two and five-year fixed rates rocketed all the way to above 6.5%. The best five-year fix is now down to 5.95%. But this is still way higher than it was, so where will mortgage rates settle and is it worth holding off? The team discuss that and the implication for both house prices and first-time buyers. And finally, an energy double header: on a serious note, the energy price cap (which we won't pay due to the energy price guarantee) has jumped again, this time to £4,279 for the average household over a year. If we won't pay that, why does this matter? And on a lighter note, what happened when Harry Wallop (who refuses to let his family turn the heating on) tried out a bunch of oddball devices designed to warm the person not the room, ranging from an odd foot warmer, to a heated gilet, and a wearable sleeping bag that makes you look a bit like a crazy caterpillar?

Adam Cox is joined by Evelina Galli, from price comparison site PriceRunner, to discuss new research which reveals Brits current shopping habits ahead of Black Friday. They look at if the World cup is likely to affect Black Friday sales, and Evelina advises on things to look out for to ensure Black Friday deals are legitimate. https://www.pricerunner.com/

‘Jeremy Hunt’s mini-Budget was like the tax part of the Corbyn manifesto with none of the benefits of the extra spending.’ That was This is Money editor Simon Lambert’s verdict on the Chancellor’s tax-hiking spree that painted a miserable picture of the years ahead, hit higher earners, and hammered small investors. In a blizzard of hikes – through threshold drops and stealth tax freezes – Hunt worked his way through a painful Autumn Statement, where good news was thin on the ground. The silver linings came from the government sticking by the pension triple lock and uprating benefits by inflation but the focus was on painful years ahead. Was this the right move? Why did Hunt feel the need to inflict tax pain – and spending cuts later on? How did we go from Rishi Sunak as Chancellor with a margin to hit his fiscal rules to Rishi as Prime Minister with a fiscal black hole? Georgie Frost and Simon discuss these questions and more and look at what the Autumn Statement means for people’ finances: How much more tax will you pay? How much will your energy bills rise by? Who came out best and who came out worst? And can Simon come up with a note of optimism to end the show on? — listen to this Autumn Statement tax raid special to find out.

Adam Cox is joined by toy experts, Suzie Howes and Nicola Bergot from Magicbox Toy Company, to discuss new research from the brand which reveals the perceptions of children using digital devices. They look at why children have moved towards digital devices for entertainment, and how more traditional toys can help children learn to be more imaginative and to express themselves. https://www.kookyloos.com/uk and https://www.magicboxint.com/