Who gets the cost of living payment? When is the second cost of living payment? The Martin Lewis Podcast is here – and Martin has an urgent plea for anyone who hasn’t receive their £150 council tax rebate.

Martin and BBC Radio 5live’s Nihal Arthanayake talk returns, ‘pre-NUPPs’ and baboon bums.

They ask whether it is possible to cut back at Christmas?

Plus Martin’s advice on how to best protect your savings from inflation and what to do if you have an order with furniture site Made.com after it entered administration

Martin Lewis on why it’s financially crucial to prepare death, divorce and dementia. But don’t be down, there’s also advice on energy, cheap train travel and free beer.

The Martin Lewis Podcast is here, with a brand new sound. Martin and Nihal Arthanayake talk mortgages as listeners ask if they should stick with a longer fix or take a chance on variable rates. Martin’s got some special tips on how you might be able to top up your state pension and how to get some extra cash in time for Christmas. Plus, have you ever found a bone fide second-hand bargain?