How many subscriptions do you have?

And how many do you really use?

Households right now are spending an average of £422 a year.

With the Lloyds Bank subscriptions manager on our app,

you can block or cancel the ones you no longer need in a few simple taps.

It's one of our many useful tools to help you stay on top of your money.

To find out more, go to Lloydsbank.com forward slash cost of living.

Lloydsbank by your side.

This is where the growth is for jobs in America.

This is where the innovation is.

All small businesses do not turn into giants, but some do.

It's the future.

So we come to a report that wage inflation for small businesses continues to incline.

Decline.

That's a good thing.

Also, the small business hiring remains strong.

So, yes, fear of recession.

Yes, big tech is making huge cutbacks in all aspects.

For the first time in 10 years or more, the giant firms, Apple, Google, Meta,

the names that you see frequently are laying off people or selling real estate

or looking to the bottom line and not the top line growth.

That's been true for the low interest rates of the last decade.

...