A very warm welcome to This is Money and Share Radio podcast. I'm Georgie Frost. You can catch me every weekday from 9 until one on digital in London online at share radio.co.com. And if you've a smartphone or a tablet through the Share Radio mobile app. In the studio with me today for our weekly catch-up is editor Simon Lambert Bagg,

joined by personal finance editor Rachel Rickard Strauss.

And coming up, how do you solve a problem like tax credits?

To pull ourselves out of debt, we should not be forcing those working families into it. Well, the team will explain what the chances plans for slashing the welfare bill mean for low-income households.

Also, after an 18-month inquiry we're being told, the current account market isn't competitive enough,

but rather than recommend a breaking up of the big four banks, it's us the consumer being told to switch.

The danger is that the banks become complacent. They use their current account holders as a source of

profit and don't give them adequate reward for their business.

We also have a host of seasonal property stories as we say goodbye to British summertime

as the evenings get darker and temperatures

plummet, up go our energy bills but so too, burglaries. The team will tell us what you can

do to save on energy and protect your belongings. Also with government cuts to subsidies for solar

panels, does it make sense to buy even though they may have saved people hundreds of pounds

already? We also take a look at the situation for first-time buyers as they go head-to-head with buy-to-let landlords. There's a lot of competition for the sort of property that first-time buyers like to buy. What's the solution? Well, being urged to win hearts and minds of sellers as the average asking price for first-time homes goes up almost

10% in a year, we'll tell you how. What is equity release? Could it be the right choice for you?

And also on the agenda with Simon and Rachel today. Now, we all have memories of our old cars.

Perhaps you had your first road trip in it, had its own name, furry dice, or you stole a little kiss in it, or perhaps more. Have you ever wondered what happened to it, after you sold it all those years ago? Well, now is your chance to find out after the government launched a new vehicle MOT history website. It's not really what it's for, car stalking. It's to give us a chance to check our vehicles on the second-hand market before we buy.

But it will also become a tool for automotive nostalgia.

Ah, the memories. So I've been asking today, I want to know your first car, the memories.

Do you have any idea where it is now? A very good morning, Simon, a very good morning, Rachel.

Good morning. Simon, are you one for automotive nostalgia? Yeah, definitely. My first car

was a Peugeot-205 and I loved it. It was a great car. It was a wonderful little car. And I actually

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