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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.

Going green used to be presented as a way of saving money, but the stark reality that dealing with climate change will mean us spending more is dawning. The carrot of £5,000 grants to help people ditch gas boilers and install air source heat pumps or other more eco-friendly heating was dangled by the Prime Minister this week. There was a hefty caveat though, there is only enough cash for 90,000 being made available and it seems like the rest who want to get greener heating will need to foot hefty bills themselves. People can stall but eventually the stick will come, with banks encouraged to only give the best mortgage rates to those with efficient homes. Likewise, another carrot was dangled in the form of green savings bonds from NS&I, so savers could put their money to work helping the nation’s green projects. Once more, there is a big caveat: the rate on the three-year bonds is a measly 0.65 per cent. That compares to the best standard three-year savings fix of 1.81 per cent. Maybe Kermit was right, it’s not easy being green. But will our good intentions overcome the higher costs and lower returns and people be willing to pay the price for going green? On this week’s podcast, Georgie Frost, Lee Boyce and Simon Lambert, discuss green bonds and better alternatives and greener homes, their costs and whether there is also better options that we are being presented with right now. Plus, we had closure on the axing of the triple lock this week, with an inflation figure that set the next state pension increase, and bitcoin hit a record high. And finally, Lee explains the This is Money headline of the week: ‘I fished my daughter's third birthday present out of a skip’

Is it better to leave the heating on low all the time, or switch it on in smaller bursts? Does an electric heater cost less to heat a room? Is the electric blanket cheaper than a kettle-filled hot water bottle? On this week's podcast, Georgie Frost, Grace Gausden and Simon Lambert, tackle the burning questions of our time (well, the common energy saving ones people often debate at least). The team reveal a cunning way to work out when you can use Avios points to book flights. Plus, Simon explains why he's not a crypto investing genius, why you probably aren't too and what the point of regularly reminding yourself that you aren't an investment guru in crypto, shares, or anything else is. And finally, a This is Money reader recently moved home and doesn't have a doorbell and their landlord won't provide one, do they have to... and exactly who is this reader?

With inflation on the rise, homeowners nearing the end of their mortgage deal could be tempted to lock in for longer – especially with murmurs of a base rate rise. It comes as rates continue to fall, even on tracker deals. What are the pros and cons on a two, five and even a 10 year fix, and does the flexibility of a tracker mean it could be a worthy option to consider? Lee Boyce, Helen Crane and Georgie Frost discuss what those remortgaging and home buyers need to consider when getting a new home loan. And landlords haven't been left behind in the mortgage battle either. There is now a sub-1 per cent buy-to-let mortgage rate – and sticking with the property theme, yet another huge monthly bump for prices. Elsewhere, should you sell old Premium Bonds to buy a new set for 'better luck' and just how much have lockdown savers poured into the NS&I product? Lastly, how about a career change as an… HGV driver? We look at what salaries are on offer and how to train as a lorry driver.

The week began with an energy crunch, as households woke up to the problems sending gas prices spiralling - and the impact that could have on their bills. It ended with a needless rush on petrol, as people were told there was no need to panic buy fuel… and some promptly panic bought it. The petrol issue we’re told is to do with a shortage of HGV drivers to deliver fuel, the gas problem is unfortunately far more complex. The immediate impact for households is that some are finding their energy supplier has gone bust and they are being transferred elsewhere, others are discovering they can’t switch, and many are staring down the barrel of a potential big imminent price cap rise followed by another next spring. In this podcast episode, This is Money’s energy and consumer correspondent Grace Gausden explains what’s happening and Georgie Frost and Simon Lambert discuss the implications with her. In the second part of the podcast, Tanya Jefferies joins to talk about the National Audit Office report into underpaid women’s state pensions, which highlighted her and our columnist Steve Webb’s work in exposing the fiasco, Tanya updates us on their investigations and what may happen next. And finally, there’s a new bank in town: Chase. Well it’s actually a very old one, because it’s JP Morgan launching current accounts in the UK under the Chase brand. It’s got 5% interest, with a catch, 1% cashback and some nifty features. Is it worth getting?

What makes a good consumer story to take up the cudgel on and fight a reader’s corner – and why don’t companies and organisations just do the right thing? A year ago, This is Money started its Grace on the Case column, where reporter Grace Gausden fights for reader’s rights and tries to solve their problems each week. Over those 12 months, roughly £381,000 worth of victories have been racked up – more than £1,000 a day. On this week’s podcast, Grace takes us behind the scenes of the column and talks about the cases she has tried to help with. She joins Georgie Frost and Simon Lambert to discuss the biggest issues that have emerged, and how things have played out when This is Money took on firms and organisations for readers. Also, on this week’s podcast, do you know how much tax you pay? Most people only have the vaguest idea based on their headline rate, but what percentage or amount do you actually pay, and where are the sneaky glitches in the tax code that catch people out. Plus, the LitterLotto where you can win money by putting stuff in the bin, whether Black Friday is a con or a golden opportunity, and finally, would you swap items in your shopping or lifestyle to beat inflation?

Inflation hit its highest level in a decade this week off the back of soaring energy costs and petrol prices. Why is the cost of living on the rise, when will interest rates go up, and how will all this affect the pound in our pocket? This week, Georgie Frost, Lee Boyce and Mike Sheen take a look at the 4.2 per cent CPI figure and how it is becoming harder to ‘inflation proof’ your finances. It looks like the state pension triple lock could be doomed – that 3.1 per cent rise pencilled in for next year doesn’t look generous considering the rise in the cost of living. There is a special delivery for Royal Mail shareholders while major banks are not only shuttering branches, but are increasingly telling customers to serve themselves. And finally, TSB is the latest bank to offer a prize draw, is it a good alternative to Premium Bonds or simply a gimmick.

Savings rates are on the rise but even if you do find a best buy, don't get complacent because inflation is running hot too. In this podcast, Lee Boyce, Georgie Frost and Simon Lambert look at why savings rates are rising, whether interest rates will follow suit and quitehow long it might be before we get back to a normal situation of a savings account consistently beating inflation. Simon discusses whether attack may be the best form of defence in the form of stock market investing - and why the 'just buy bitcoin' comments shouldn't be entirely heeded. Plus, could you or would you want to live off grid? What would it entail? And would it actually save money?

Did the Bank of England bottle raising interest rates or should a rate rise have never been on the cards in the first place? Inflation is mounting but hiking the base rate will do little to tame soaring energy prices, an oil price spike or the supply crunch. On the other hand, the emergency 0.1 per cent base rate arrived at the start of the coronavirus crisis and the economy looks far better now than was expected then. So where should rates be? And did the Bank of England make the wrong decision for the right reason? On this week’s podcast, Georgie Frost, Tanya Jefferies and Simon Lambert dissect the Steady Eddie move that got the Bank of England labelled an ‘unreliable boyfriend’ again. Plus, our pension agony uncle Sir Steve Webb joins the podcast to discuss state pension delays and what has happened since he and Tanya Jefferies exposed the situation. And finally, it’s time for some council tax rants… just why is the tax so seemingly crazy and in terms of fixing it, should we be careful what we wish for?

On Wednesday, Chancellor Rishi Sunak delivered another Budget alongside a Spending Review. Much of what it contained had previously been revealed, including the forthcoming National Insurance hike, frozen income tax bands, triple lock suspension and a flurry of information over the weekend. Georgie Frost, Simon Lambert and Lee Boyce run the rule on the latest Budget and updated figures on inflation and base rate predictions, alongside where the economy is at… and potentially heading. The Chancellor didn't reinstate the Universal Credit uplift, instead lowering the taper while also rising the minimum wage to £9.50 an hour – will that help working families? With a cost of living crisis that seems to be looming with petrol, food and energy prices rising, were there any measures to help combat this? Could base rate really reach 3.5 per cent by 2023, and should homeowners be worried about potentially rising mortgage costs? And what about the threat of rising inflation, now predicted to be plus-4 per cent next year? There was an update about cladding and changes to short haul flight taxes alongside a promise to fix a tax quirk that deprives low-paid workers of pension cash which is paid to better off colleagues – but not until 2025.