On this episode of the Money Matters podcast, we put all your burning money questions to Financial Adviser Jane Gow, who is founder of Clear Cut Chartered Financial Planners. You asked about a wide range of issues from when you should lock in interest rates on cash savings, to how to start a pension and whether to prioritise saving for a house or retirement in your 30s.

Danni and Laura also take you through their tax-year-end checklist, so you don’t pay too much tax or miss out on valuable allowances. They also have good news for parents relating to child benefit and free childcare hours.