BBC Sounds, Music, Radio Podcasts.

Hello, you're about to listen to a BBC podcast, and I'm Ed Gamble, host of another BBC podcast, The Traitors Uncloaked.

But my show is available only on BBC Sounds, just like Ellis and John's Saturday bonus episodes,

The Pop Top Ten podcast with Scott Mills and Rylan, and comedy specials

from the likes of Harriet Kemsley, Susie Ruffle and Rommashranganathan. However, and maybe I'm biased,

it's really all about the traitors uncoaked. So for a whole bunch of exclusive scoops and

podcasts, listen only on BBC Sounds. Hello, in today's Moneybox podcast, forget the gym, the language

class and the diet. What New Year's resolutions should savers be making?

2026, I just want to like be better with my money, you know, not spend as much out getting food

with my mates and having nothing to show for it the next day. And with the Bank of England

cutting rates at the end of last year, what are the best deals?

As energy prices rise, so do energy bills scams.

And listeners have been asking what the new rules for pensions and inheritance tax will mean, will explain all.

But first, a big change.

That's how HMRC has described a major transformation starting in April to how

sole traders and landlords report their income and expenses. The tax office has told Moneybox

that self-assessment has to be modernised to reduce errors and allow them to collect more of what's

owed to the Treasury. It's called Making Tax Digital, and this first wave is going

to affect about a million people who have a turnover, that's the business's gross income,

above £50,000 a year. At the moment, self-employed people put the details of their business

accounts into their tax return just once a year on the government's own website or even on paper.

But from April, they must use commercial software instead, which sends summaries to HMRC

...