Rising bills and the cost-of-living crisis are forcing many to dip into savings pots, if they have one to begin with.

At the same time, with base rate rising to try and curb inflation, savings deals have become far better than they have been in the last decade.

This week, Georgie Frost and Lee Boyce are joined by a special guest: James Blower, AKA The Savings Guru, who gives his take on where savings rates are heading next.

With lesser known challengers paying the best rates, how do you know they’re any good? And should you fix now or wait?

He explains how savings rates set, why big banks are slow to pass on base rate movements and with savings deals improving, James explains why a cash Isa might be a good home for your money once more.

Elsewhere, times are tough with plenty of misery on the horizon thanks to rising energy bills. Latest predictions suggest the price cap could land somewhere between £4,000 and £5,000 a year.

Much has been said this week about households, but what about businesses which are slowly being crushed under the weight of rising costs?

Not protected by an energy cap, some hospitality bosses are said to be considering closing down due to unprecedented energy bills while three quarters are thinking about reduced opening hours.

And with household prices set to soar, a Don’t Pay UK movement has grown suggesting cancelling direct debits – but is that a wise idea?