This episode is sponsored by the M&S credit card.

Oh, here we go. This has got your name all over at this.

What do you mean?

Because you absolutely love Marks and Spencer. Oh well, I do. You know, food, clothes, home stuff. They've got it all, Chris. It's one of those places where you nip in for one thing and then you come out with like a lush jumper and a tasty snack. It's class. and I don't hear you complaining when I bring you home a little treat

That is fair I actually love that

Well now there's even more reason jump out and a tasty snack. It's class. And I don't hear you complaining when I bring you home a little

treat. That is fair. I actually love that. Well, now there's even more reason to go because they've relaunched their loyalty program Sparks. And every time you shop there, you can earn money into your digital Sparks wallet to buy the things you love at M&S. And if you take out an MNSS credit card as a Sparks member, you can supercharge your

Sparks rewards. That means when your M&S credit card is linked to Sparks, you'll enjoy benefits like

anniversary discount and the best birthday treat. So whether it's your weekly food shop, some piggy

bits for the weekend, or the perfect gift you need to get sorted, with the M&S credit card,

you'll have even more ways to earn into your Sparks wallet.

Discover the MNS credit card at marks and Spencer.com.

24.9% APR representative variable.

Marks and Spencer's PLC is a credit program, not a lender.

Credit is subject to status.

You must be 18 or over and a UK resident to apply.

Can't sleep. Bills are almost double. Pension comes in on a water rate or heat.

That's a few pounds. Three times a new man on your pension.

What did I just work all those years for?

Just a bit of breathing space.

New government policies are making every day easier,

like increasing the new state pension to up to £241 and 30 pence a week.

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