A panel of experts will analyse what he says and we want to hear your assessment too. Are you cheered or concerned by the state of the nation's finances? And how will it affect the way you spend or save your hard-earned cash? Also, looking ahead to the new tax year, we'll discuss the tax cuts which begin in April and the outlook for our personal finances over the next twelve months.

Guests:

Tina Riches, Chartered Institute of Taxation

Michelle Cracknell, independent pensions consultant

Jane King, independent mortgage adviser from Ash-Ridge Private Finance

Shirley McIntosh, Head of tax for Scotland at RSM accountants and tax advisers

Presenter: Paul Lewis

Producer: Sally Abrahams