Buying a home is legendarily one of the most stressful events in life so today on Money Box Live we're going to try to take some of the pressure off by talking you through how it should work.

Obviously there's much more to it than finding your dream house and a lot that can happen between viewing a property and getting the keys.

We talk to first-time buyers on the property hunt in Stockport in Greater Manchester, and our panel of experts, Simon Gammon, Head of Finance at Knight Frank and Beth Rudolf from the Conveyancing Association joins Felicity Hannah to take questions from listeners.

Presenter: Felicity Hannah Producer: Craig Henderson/Sarah Rogers Editor: Sarah Rogers

This episode was first broadcast on Weds 9th October 2024.

In a special programme broadcast live from the Atrium in Quay House at MediaCityUK, Paul Lewis discusses a momentous change in the way banks treat customers who have money stolen from their bank accounts by what is called Authorised Push Payment Fraud.

In 2023 a record number of people lost hundreds of millions of pounds to thieves who tricked them, manipulated them and then drained their bank accounts.

On October 7th new rules will come into force which mean nearly all transfers will be covered, so that victims will be refunded in the vast majority of cases up to a limit of £85,000.

Money Box gets hundreds of emails from people who've lost money to scams and frauds and this will be life changing for those who find themselves a victim of this kind of crime.

To mark this change, the team will be joined by a panel of experts and people who've lost thousands of pounds in these sort of scams.

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Catherine Lund and Jo Krasner Studio Producer: Sarah Rogers Studio Managers: Pete Smith, Matthew Dempsey and Cameron Ward Editor: Jess Quayle

(First broadcast 12pm Saturday 5th October 2024)

This month the new government will reveal its plans for the nation's finances in the Budget.

We've been told 'difficult decisions' lie ahead as the Chancellor Rachel Reeves seeks to plug what she says is a £22bn black hole left by the previous government.

There's been plenty of speculation around Capital Gains Tax, Inheritance Tax and pensions tax relief - but what are they and who pays them?

Our email inbox has been full of questions from listeners - so on this weeks Money Box Live we will be answering as many as we can.

Felicity Hannah is joined by Elsa Littlewood, Tax partner at accountancy and business advisory firm BDO and Kirsty Stone a financial planner at The Private Office.

We also have a new way to get in touch, WhatsApp Money Box on 03306 783183.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

(This episode was first broadcast on Wednesday the 2nd of October 2024)

A new report given exclusively to Money Box is calling for more help for working families on Universal Credit. The University of Bath’s Institute for Policy Research wants the government to raise earning thresholds for extra help like free school meals, NHS prescriptions, council tax support and NHS dental help. The government says it's committed to supporting low-income families by extending the Household Support Fund by £421 million. It also told us its commitment to reviewing Universal Credit so people receive the support they need, saying it is taking "bold action" to help people into work so they can gain financial independence and break down the barriers to opportunity.

Banking Hubs should start offering more help for customers with advice on scams, getting online and creating Power of Attorneys according to the former chair of the watchdog, the Financial Conduct Authority. Charles Randell, who’s now a member of the Financial Inclusion Committee, says banks need to invest more in the hubs as bank branch closures continue to hit communities with more than 6,000 having closed since 2015. UK Finance, which represents banks, says significant ongoing investment is being made to support customers with access to cash and day to day banking needs.

What changes could the Chancellor make to ISAs and Dividends in her October Budget?

And energy prices go up next week - what does it mean for you and how does it work?

Presenter: Paul Lewis Reporters: Dan Whitworth and Catherine Lund Researchers: Emma Smith and Jo Krasner Editor: Jess Quayle

(First broadcast 12pm Saturday 28th September 2024)

Across the UK freshers are heading off to university, many leaving home for the first time and most of them are paying for at least some of that with their student loans.

Graduates in England leave university with average debts of around £48,500 according to the Student Loans Company.

Tuition fees vary depending on where you live in the UK. Last year students in England were told they'd be paying back their loans longer than the graduates who came before them.

So, this week we're looking at how much a degree really costs. Felicity Hannah will be joined by Tom Allingham from Save the Student and Kellie McAlonan, Chair of the charity the National Association of Student Money Advisers.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

(This episode was first broadcast 3pm on Wednesday 25th September 2024)

People are missing out on nearly two billion pounds' worth of discounts on water bills and broadband, according to Citizen's Advice. Social tariffs give lower prices to people on low incomes, but the charity says there's a "postcode lottery" when it comes to what people can get. The government says more than 1.3 million households in England and Wales benefitted from £200m worth of help with water bills in 2022/23 and that it's working with broadband providers to raise awareness of social tariffs. Industry groups say many customers choose low-cost broadband over social tariffs and the number of households getting help paying for water should double by 2030.

How might the Chancellor change tax relief on pensions in the upcoming budget?

More than 11 million people used Open Banking in July - that figure was up by 12 percent on the month before. We'll discuss how it works.

And, have you been affected by a scam? Ahead of a special programme on October 5th we'd like to know your experiences - email [email protected].

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Jo Krasner and Emma Smith Editor: Jess Quayle

(First broadcast 12pm Saturday 21st September 2024)

There are nearly 70,000 children in the UK who are in foster care.

Foster carers main concern has to be the children they look after, including many who have experienced neglect and trauma. But they are self-employed, so there are also financial considerations, from allowances and fees, to tax returns and receipts.

In this programme we'll hear from charities, foster carers and care leavers. We'll also discuss new analysis from the Fostering Network, which found foster carers face a post code lottery when it comes to fees they’re paid.

Foster carers are given an allowance to pay for clothes and food - but they're also usually paid extra on top to recognise their time and skills. Those fees aren't fixed though, and local authorities can each individually decide how much to award.

Using freedom of information requests the charity found 60% of local authorities across the UK are paying foster carers the equivalent of less than £5 an hour based on a 40 hour week. Local Authorities are given funding from central government and the devolved nations – the told us they are reviewing support for foster carers.

Felicity Hannah, is joined by Sarah Thomas, Chief Executive of The Fostering Network and Brenda Farrell, Head of Fostering at Barnardo's.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

(This episode was first broadcast at 3pm on Weds 18th Sept 2024).

Hundreds of thousands of disabled pensioners will be unfairly impacted by the cut in Winter Fuel Payment, according to two leading charities who've spoken exclusively to Money Box. Disability Rights UK and Age UK have both told us that disabled pensioners often have higher energy bills because of medical needs and sharp cuts to the number of people receiving the payment will disproportionally affect them more than others. The government says it's committed to giving pensioners the dignity and security they deserve in retirement but says given the state of the public finances its inherited it’s right that it targets support to those who need it most. It says its protecting disabled pensioners through extra disability benefits such as Attendance Allowance, Disability Living Allowance and Personal Independence Payments. And that over a million pensioners will also continue to receive the Winter Fuel Payment and those on the full new State Pension will receive over £400 boost through the triple lock.

How might the Chancellor target Inheritance Tax in the upcoming Budget? Latest figures show that the government received a record £7.7 billion from IHT in the 12 months to July, up over 5% on a year before.

And, what can be done to encourage self-employed people to pay into a pension?

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Catherine Lund and Jo Krasner Editor: Jess Quayle

(First broadcast 12pm Saturday 14th September 2024)

Figures given exclusively to Money Box Live show that almost two-thirds of people who called the National Gambling Helpline had gambling related debt. So what are the options and what support is available?

This week Felicity Hannah speaks to those affected by gambling, either themselves or through a family member. Joining her to talk about it are Nicholas Hill from the Money and Pensions Service which is sponsored by the Department for Work and Pensions and Raminta Diliso Head of Gambling Related Financial Harm at the Charity GamCare which is in part funded by the gambling industry.

If you've been affected by addiction - help is available at bbc.co.uk/actionline.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

(First broadcast 3pm on Wednesday 11th September 2024)

Hundreds of millions of pounds has been made available from the government for local authorities across the UK to spend on those most in need of financial help. Known as the Household Support Fund it's made up of £421 million for councils in England with another £79 million for devolved nations. Dan Whitworth meets Sam, who's 28 and got help from the fund via Stockport Disability.

A new report analysing the finances of people on low incomes who apply for loans has found a third were declined because of 'excessive gambling'. Salad Money is a social enterprise, providing credit to people earning between £25k and £35k per year. It says that out of 170,000 people who applied for loans in the first three months of this year, a third were turned down. We'll hear from the CEO of Salad Money, Tim Rooney.

The consultation which could mean fraud victims who lose more than £85k won’t get their money back when new refund rules come into force in October.

And what tax changes could the government make in its first budget? We’ll discuss Capital Gains Tax and how it might be impacted.

Presenter: Felicity Hannah Reporter: Dan Whitworth Researchers: Catherine Lund and Jo Krasner Editor: Jess Quayle

(First broadcast 12pm Saturday 7th September 2024)

Working parents and carers of children aged 9 months or over are now entitled to 15 hours of funded childcare a week during term time.

50 hours of nursery can cost around £14,000 a year, so it's a welcome relief for many. There had been warnings that parents would struggle to find places but the government says it is confident about meeting demand.

From next September, the offer is set to rise to 30 hours, and include children up to school age too.

Education Minister, Baroness Smith has said it'll be a challenge to meet that level of demand with the Department for Education estimating about 85,000 more childcare places and 40,000 extra staff will be needed by 2025.

On today's programme we will be hearing from parents as well as the CEO of Kids Planet, one of the countries largest providers. Felicity Hannah will also be joined by Jonathan Broadberry, Policy Director at the National Day Nurseries Association and Emma Broome, Chief Executive of children's charity Coram.

We'll also look at the new rules coming in to make childcare cheaper in Northern Ireland.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

(First broadcast at 3pm on Wednesday the 4th of September, 2024)