Money Box

BBC Radio 4

The latest news from the world of personal finance plus advice for those trying to make the most of their money.

  1. 12 HR AGO

    Energy Bill Battle and Restrictive Covenants

    When it comes to keeping our homes warm nearly all of us rely on just a handful of big energy suppliers. And during the winter, especially with the cold temperatures, we rely on those suppliers to do their job. When they don't customers can firstly complain to their supplier but, if they're still not happy, they can take their complaint to something called the Energy Ombudsman. It's a free, impartial service and gets thousands of complaints every year. In most cases, when the ombudsman makes a decision, that decision is followed to the letter, quickly, by suppliers. But in some cases that doesn't happen - we investigate one listener's battle over a £1,700 bill. HMRC has told MPs it's going to take more care in how it handles its effort to crack down on fraud and error, after a mistake which led to thousands of families wrongly losing their Child Benefit. It was the Scottish government's Budget this week and there were quite a few changes promised for people's pockets, we'll round up the details. And, there's a huge amount to think about when buying a home, from sorting the mortgage to getting quotes for removal companies, but one thing you might not be expecting is that your new home might come with rules telling you what you can and cannot do with it. Restrictive covenants are binding conditions written into the actual property deeds or contracts. What can you do to protect yourself from any financial impacts? Presenter: Felicity Hannah Reporters: Dan Whitworth, Eimear Devlin and Phil Simm Researcher: Jo Krasner Editor: Jess Quayle (First broadcast 12pm Saturday 17th January 2026)

    25 min

  2. 3 DAYS AGO

    Money Box Live: Inheritance Tax

    There's a topic that often appears in the Money Box inbox, inheritance tax. It's money paid by the estate of someone once they die, as long as the total value of all their property, possessions, cash and soon pensions are worth more than a fixed threshold set by the government. At the moment Government figures say just 5% of estates actually pay the tax, so relatively low, but there are changes coming in this year and next which could increase that number. Questions around who pays it and how much it is as well as the rules around passing on wealth to loved ones are never far away from the top of our in tray. So, today we'll answer as many as we can. Joining presenter Felicity Hannah this week is Clare Moffat, pension and tax specialist at the mutual life, pensions and investment company Royal London and Nina Sperring, wealth protection solicitor and partner at the law firm Price, Slater, Gawne. Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle Senior News Editor: Sara Wadeson (This episode was first broadcast at 3pm on Wednesday the 14th of January 2026)

    28 min

  3. 7 FEB

    Child Benefit and Credit Cards

    More than 60% of parents who lost their child benefit because the tax office believed incorrectly they'd moved abroad, were in fact eligible for the benefit, which is worth at least a hundred pounds a month. As we've reported on this programme before, the mistakes were made after travel data was used to conclude parents had permanently left the UK, but actually many of them had simply been on holiday. The scale of the mistake has been shown in a written question raised in parliament, where the government revealed that 63% of payments were wrongly suspended. HMRC has apologised to customers who had their Child Benefit suspended incorrectly. It also told us that it estimates that £270 million of Child Benefit payments were incorrectly claimed in 2024-25 – with unreported residency changes a leading cause. Credit card borrowing rose at the fastest annual rate for almost two years in November. The new data from the Bank of England shows that outstanding credit card balances rose to nearly 78 billion pounds, which is up almost 12 per cent on November the year before. What might be behind that rise? And the pension ruling which could help boost your pension by 720 pounds every year. Presenter: Felicity Hannah Reporters: Dan Whitworth and Jo Krasner Researcher: Eimear Devlin Editor: Jess Quayle (First broadcast 12pm Saturday 10th January 2026)

    25 min

  4. 4 FEB

    Money Box Live: Women's Finances

    It's 50 years since the Sex Discrimination Act meant all women could take out mortgages and loans without needing a man to approve it. In this programme we'll take a look at how things have changed for women's finances since then and what challenges they still face. From the cost of childcare to lower wages and pension pots. Felicity Hannah is joined by Penny East, Chief Executive of the Fawcett Society, which is a gender equality and women's rights charity, and Louise Claro, Managing Director of Circle Financial Services and an independent financial adviser. Presenter: Felicity Hannah Producers: Sarah Rogers and Catherine Lund Editor: Jess Quayle Senior News Editor: Sara Wadeson (First broadcast at 3pm Wednesday 7th January 2026)

    28 min

  5. 31 JAN

    Making Tax Digital and Savings Rates

    "A big change" - that's how HMRC has described a major transformation starting in April, which affects the way sole traders and landlords report their income and expenses. The tax office has told Money Box that self assessment has to be modernised to reduce errors and allow them to collect more of what's owed to the Treasury. It's called Making Tax Digital and this first wave is going to affect about a million people who have a turnover above £50,000 a year. At the moment, self-employed people put the details of their business accounts into their tax return once a year on the Government's own website or on paper. But from April the new system will force them to use commercial software which sends quarterly summaries to HMRC and then repeats all that information in their end of year tax return to which they must add any other taxable income details. We'll speak to HMRC about that. According to the financial data firm Moneyfacts, since the Bank of England cut the interest rate to 3.75% in December around a third of providers have dropped their rates on their savings products. Where are the best deals? As energy prices rise, there's a warning about the scammers trying to trick you into giving away your data. And new research suggests only 1 in 4 people know about a big change coming for pensions and inheritance tax. We'll answer listener questions. Presenter: Felicity Hannah Reporter: Dan Whitworth and Jo Krasner Researcher: Eimear Devlin Editor: Jess Quayle (First broadcast 12pm Saturday 3rd January 2026)

    25 min

  6. 24 JAN

    Can You Make a Creative Job Pay?

    The creative industries add around £124 billion to the UK economy according to government figures, but for actors, painters, or even influencers, making it pay can seem impossible. The actor Christopher Biggins joins the programme to share how he's managed to work in the arts for more than 50 years as well as exactly what you can earn from Christmas Panto. We'll also discuss how there's more than just booking the gig, people should also consider setting money aside to pay taxes and think about paying into a pension. Plus we'll hear from an illustrator, content creator and a theatre group working to improve access to the arts through 'pay what you can' classes. Felicity Hannah is joined by Jack Gamble, Director at Campaign for the Arts and Vicks Rodwell, Managing Director at The Self-Employment Association, IPSE. Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle Senior News Editor: Sara Wadeson (This episode was first broadcast on Saturday the 27th of December 2025) Photo Credit: Simon Hadley

    29 min

  7. 17 JAN

    Mortgages, Silver Marriages and Warren Buffett

    This week the Bank of England cut interest rates to the lowest level for more than two years. The decision to cut Bank Rate to 3.75% came after new figures also showed inflation had slowed, falling to 3.2% in the year to November. What will that mean for mortgages in 2026? Financial advisors say there's been a rise in older couples getting married because of changes to the rules around inheritance tax and pensions. We'll speak to a couple about their recent decision to tie the knot. Arguably the most successful investor of all time, Warren Buffett, will retire at the end of this month after sixty years as the CEO of the American company Berkshire Hathaway. What will his legacy be? And festive messages from just a handful of the listeners we’ve helped over the past 12 months. Presenter: Felicity Hannah Reporter: Dan Whitworth Researcher: Eimear Devlin and Jo Krasner Editor: Jess Quayle (First broadcast 12pm Saturday 20th December 2025)

    25 min

  8. 14 JAN

    Money Box Life: Blended Family Finances

    Life can sometimes get very complicated and messy so can our finances, so we're doing something a bit different to our usual Money Box Live. Introducing Money Box Life where we're looking at the finances of blended families. What we mean is family groups with some children from one parent, some from another and maybe a child or children together thrown into the mix as well. The number of families living this way is on the increase with some reports suggesting as many as 1 in 3 are blended. So how do people manage it? From birthday presents to who goes on holidays with whom to making a will. And how do the children feel about it all? Joining Felicity Hannha is Jo Thurston, a parenting coach and advisor for Parent Talk, which is the free online support service from the charity Action for Children and Liz Wyatt, Family Lawyer and Partner at Anthony Collins Solicitors. Presenter: Felicity Hannah Producers: Sarah Rogers and Helen Ledwick Editor: Jess Quayle Senior Editor: Sara Wadeson This episode was first broadcast of Wednesday the 17th of December 2025.

    29 min
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About

The latest news from the world of personal finance plus advice for those trying to make the most of their money.

Information

  • Creator
    BBC Radio 4
  • Years Active
    2007 - 2026
  • Episodes
    699
  • Rating
    Clean
  • Copyright
    © (C) BBC 2026
  • Show Website
    Money Box

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