What are the financial foundations you need so that you can then start living a richer life?

On this episode of the This is Money Podcast, Georgie Frost, Lee Boyce and Simon Lambert discuss what they think are the essential building blocks for taking control of your finances.

From budgeting to protecting your family, what are the things you absolutely must do? 

They share what they've done right... and what they have done wrong and still slip up on.

Meanwhile, the new year has seen the row over pubs and business rates blow up, with the Prime Minister and Chancellor rumoured to be about to have to do another U-turn. 

What went wrong, why didn't they listen straight after the Budget and are publicans right to feel aggrieved?

Bank shares have been on a tear, but is there still time to invest as Lloyds breaks through the symbolic 100p mark for the first time since its financial crisis plummet?

And what would it take for you to turn your home into a zero bills house - and is it worth the cost?