my mind is— important point, that is inflation. my mind is going into overdrive. interest rates at 11%. i hadn't heard that. interest rates at 11%. i hadn't heard that-— interest rates at 11%. i hadn't heard that. . �*, ., ., . , heard that. that's inflation. prices coin: heard that. that's inflation. prices auoin u- heard that. that's inflation. prices going pp and _ heard that. that's inflation. prices going up and interest _ heard that. that's inflation. prices going up and interest rates - heard that. that's inflation. prices going up and interest rates are - going up and interest rates are trying — going up and interest rates are trying to— going up and interest rates are trying to account for that and they have _ trying to account for that and they have been— trying to account for that and they have been rising and we don't know, but we _ have been rising and we don't know, but we think— have been rising and we don't know, but we think it will be longer than previously— but we think it will be longer than previously anticipated that the rates — previously anticipated that the rates will start to be high. so in terms of tap — rates will start to be high. so in terms of top interest _ rates will start to be high. so in terms of top interest rates, - rates will start to be high. so ini terms of top interest rates, you spook to all by saying 11% but they won't go that high. ihia. spook to all by saying 11% but they won't go that high.— won't go that high. no, we are talkin: won't go that high. no, we are talking about _ won't go that high. no, we are talking about 11% _ won't go that high. no, we are talking about 11% in _ won't go that high. no, we are talking about 11% in the - won't go that high. no, we are talking about 11% in the rate i won't go that high. no, we are talking about 11% in the rate of price _ talking about 11% in the rate of price rises _ talking about 11% in the rate of price rises and we are seeing rates at a higher— price rises and we are seeing rates at a higher level than we've seen for some — at a higher level than we've seen for some time.— at a higher level than we've seen for some time. those are the most searched for _ for some time. those are the most searched for questions _ for some time. those are the most searched for questions but - for some time. those are the most searched for questions but let's i for some time. those are the most| searched for questions but let's get some specific ones from viewers. we are asked, when inflation settles and comes down, will current prices stick and come down —— or come down? in other words, are the new higher prices permanent? it’s in other words, are the new higher prices permanent?— in other words, are the new higher prices permanent? it's a really good ruestion prices permanent? it's a really good question and — prices permanent? it's a really good question and an _ prices permanent? it's a really good question and an important - prices permanent? it's a really good| question and an important question, because _ question and an important question, because we — question and an important question, because we hear about inflation and the rise _ because we hear about inflation and the rise in— because we hear about inflation and the rise in the cost of living and we hear— the rise in the cost of living and we hear it— the rise in the cost of living and we hear it might settle down, but remember, those price rises you are feeling _ remember, those price rises you are feeling now— remember, those price rises you are feeling now are baked in, if you like. _ feeling now are baked in, if you like. into— feeling now are baked in, if you like, into the figures, so if inflation _ like, into the figures, so if inflation comes down to 5% or 2%, it doesn't _ inflation comes down to 5% or 2%, it doesn't mean prices are falling it 'ust doesn't mean prices are falling it just means that the rate of increase is slowing — just means that the rate of increase is slowing. so we will still feel the higher prices and the rate of increase — the higher prices and the rate of increase will be slowing, so the prices _ increase will be slowing, so the prices you — increase will be slowing, so the prices you see in the shops will not necessarily— prices you see in the shops will not necessarily be falling, it isjust the rise — necessarily be falling, it isjust the rise we will see. a necessarily be falling, it is 'ust the rise we will see. a question for ou the rise we will see. a question for you judith- — the rise we will see. a question for you judith- how — the rise we will see. a question for you judith. how long _ the rise we will see. a question for you judith. how long will— the rise we will see. a question for you judith. how long will it - the rise we will see. a question for you judith. how long will it take i you judith. how long will it take forjeremy hunt's actions... actually, it's about mortgage rates, so i will ask you, kevin. the question from sarah is how long will it take for the action to bring down mortgage rates. she says it's about to go up by 60%. it’s mortgage rates. she says it's about to go up by 6096-— to go up by 60%. it's not an immediate _ to go up by 60%. it's not an immediate effect _ to go up by 60%. it's not an immediate effect on - to go up by 60%. it's not an immediate effect on that. l to go up by 60%. it's not an immediate effect on that. aj to go up by 60%. it's not an i immediate effect on that. a typical fixed rate — immediate effect on that. a typical fixed rate mortgage at 6.5%, that's not something we've seen for 14 years— not something we've seen for 14 years and — not something we've seen for 14 years and it won't be immediate, the fall, but— years and it won't be immediate, the fall, but we _ years and it won't be immediate, the fall, but we will have to wait and see if— fall, but we will have to wait and see if and — fall, but we will have to wait and see if and when it does come. but as i see if and when it does come. but as i said _ see if and when it does come. but as i said before, — see if and when it does come. but as i said before, the expectation is that the — i said before, the expectation is that the rises we have seen will slow, _ that the rises we have seen will slow, if— that the rises we have seen will slow, if not stop. the that the rises we have seen will slow, if not stop.— that the rises we have seen will slow, if not stop. the same question from two people. — slow, if not stop. the same question from two people, john _ slow, if not stop. the same question from two people, john and _ slow, if not stop. the same question | from two people, john and raymond, as a pensioner, will i get help with the cost of living increase other than the energy price cap? there is some further— than the energy price cap? there is some further money _ than the energy price cap? there is some further money coming - than the energy price cap? there is some further money coming to i some further money coming to pensioners, depending on whether you are on, i have found it, sorry, the winter fuel payment and if you are on the winter fuel payments, you can get an extra £300 for your household which will be paid with your normal payment from november 2022 and that's in addition to any cost of living money. but for pensioners, i would say, get a benefit check and make sure you are on the right benefits and getting everything you're entitled to which may passport you into the sorts of cost of living payments in the future. how do you get a benefit check? getting advice from a professional and if you are able to access online on the citizens advice website there are benefit cheques you can use yourself or access your local services, citizens advice or another agency and some councils do their own advice services. is it quite common people are entitled to benefits that they don't know they can get? i benefits that they don't know they can aet? ., , benefits that they don't know they can ret? benefits that they don't know they can aet? .,, ., ., benefits that they don't know they can aet? ., ., can get? i was looking at a case study yesterday _ can get? i was looking at a case study yesterday and _ can get? i was looking at a case study yesterday and somebody. can get? i was looking at a case i study yesterday and somebody was struggling with paying their bills and we — struggling with paying their bills and we did a benefit check and they had an— and we did a benefit check and they had an entitlement to a personal dependence payment, so we are helping — dependence payment, so we are helping them apply for that. there's an estimated 850,000 people entitled to pension credit. that is a top up to pension credit. that is a top up to the _ to pension credit. that is a top up to the state — to pension credit. that is a top up to the state pension and a gateway to the state pension and a gateway to some _ to the state pension and a gateway to some of — to the state pension and a gateway to some of those other payments that we mention. they are still going unclaimed,... that is a lot of peppte _ unclaimed,... that is a lot of peppte ~_ unclaimed,... that is a lot of people- -_ unclaimed,... that is a lot of people. . unclaimed,... that is a lot of --eole. . ~ . , ., ., ., people. . what is it worth and what is the broad — people. . what is it worth and what is the broad brush _ people. . what is it worth and what is the broad brush for— people. . what is it worth and what is the broad brush for how - people. . what is it worth and what| is the broad brush for how someone knows if they are eligible? thefie knows if they are eligible? these are low income _ knows if they are eligible? these are low income pensioners, i knows if they are eligible? these are low income pensioners, top i knows if they are eligible? these i are low income pensioners, top up knows if they are eligible? these are low income pensioners, top up to your state _ are low income pensioners, top up to your state pension and it's really important — your state pension and it's really important i guess for the work of family— important i guess for the work of family and — important i guess for the work of family and friends, because they are the ones _ family and friends, because they are the ones who are probably going to say, hang _ the ones who are probably going to say, hang on a minute, you can claim this benefit, — say, hang on a minute, you can claim this benefit, because let's face it, it is a _ this benefit, because let's face it, it is a confusing picture and that's why people like judith spend a lot of time _ why people like judith spend a lot of time with people going line by line through their finances and budgets — line through their finances and budgets to try and work out what they are — budgets to try and work out what they are entitled to. if budgets to try and work out what they are entitled to.— budgets to try and work out what they are entitled to. if someone is watchin: they are entitled to. if someone is watching at _ they are entitled to. if someone is watching at home _ they are entitled to. if someone is watching at home and _ they are entitled to. if someone is watching at home and think- they are entitled to. if someone is watching at home and think it i they are entitled to. if someone is i watching at home and think it might apply to one of their loved ones, they should be asking those questions. they should be asking those questions-— they should be asking those ruestions. �*, ., , _, they should be asking those ruestions. �*, ., , _ , ., questions. it's a complex system and we are trained _ questions. it's a complex system and we are trained to _ questions. it's a complex system and we are trained to help _ questions. it's a complex system and we are trained to help with _ questions. it's a complex system and we are trained to help with that, i questions. it's a complex system and we are trained to help with that, so l we are trained to help with that, so absolutely. brute we are trained to help with that, so absolutel . ~ , ., ., ., absolutely. we should also mention before moving _ absolutely. we should also mention before moving on, _ absolutely. we should also mention before moving on, we _ absolutely. we should also mention before moving on, we now- absolutely. we should also mention before moving on, we now know i absolutely. we should also mentionl before moving on, we now know that the pension is going to go up in line with the rate of inflation which has been confirmed today. it was taken away but it's back again now. i was taken away but it's back again now. .., was taken away but it's back again now. .. , ., was taken away but it's back again now. .. i. ,., , ., now. i can tell you in pounds and ence now. i can tell you in pounds and pence what _ now. i can tell you in pounds and pence what that _ now. i can tell you in pounds and pence what that means. - now. i can tell you in pounds and pence what that means. if i now. i can tell you in pounds and pence what that means. if you i pence what that means. if you received — pence what that means. if you received the new state pension, people — received the new state pension, people who have retired since april 2016. _ people who have retired since april 2016. your— people who have retired since april 2016, your weekly payment will go to 'ust 2016, your weekly payment will go to just above _ 2016, your weekly payment will go to just above £200 and if you are on the old _ just above £200 and if you are on the old state pension, your weekly payment _ the old state pension, your weekly payment will go up to about £156, so that is— payment will go up to about £156, so that is what— payment will go up to about £156, so that is what you are going to get. a bit of— that is what you are going to get. a bit of clarity — that is what you are going to get. a bit of clarity after a lot of speculation in the last few days. thank— speculation in the last few days. thank you — speculation in the last few days. thank you for those questions, john and raymond, and i hope there was helpful advice arising from them. jack lord says the cost of living seems to be higher in my area than others. is the rising uniform across the country? what is the sense on that one —— the rise in prices? ida. that one -- the rise in prices? no, it's not uniform _ that one -- the rise in prices? no, it's not uniform across _ that one —— the rise in prices? iirr. it's not uniform across the country, certainly with energy providers, depending on where you live, you can be charge different rates and there is the price cap now but it does vary. is the price cap now but it does va . , , . , ., is the price cap now but it does va . ,' . ,., vary. different rates for energy? until the price _ vary. different rates for energy? until the price cap _ vary. different rates for energy? until the price cap came - vary. different rates for energy? until the price cap came in. i vary. different rates for energy? i until the price cap came in. why? vary. different rates for energy? i untilthe price cap came in. why? it was to do with _ untilthe price cap came in. why? it was to do with the _ untilthe price cap came in. why? it was to do with the way _ until the price cap came in. why? it was to do with the way energy comes to you as a final end consumer. prices are also different in shops. you can see it if you go to these particular brands where you might go to a shop in one area of your town and there a same brand in a different area that might charge different area that might charge different prices. we different area that might charge different prices.— different prices. we all see it. it's different prices. we all see it. it's worth _ different prices. we all see it. it's worth asking _ different prices. we all see it. it's worth asking why - different prices. we all see it. it's worth asking why that i different prices. we all see it. it's worth asking why that is i it's worth asking why that is happening. it it's worth asking why that is happening-— it's worth asking why that is haueninu. , ., ., happening. it is in rural areas when ou are happening. it is in rural areas when you are stuck _ happening. it is in rural areas when you are stuck with _ happening. it is in rural areas when you are stuck with one _ happening. it is in rural areas when you are stuck with one shop - happening. it is in rural areas when you are stuck with one shop in i happening. it is in rural areas when you are stuck with one shop in no l you are stuck with one shop in no way of getting anywhere else and you might be a pension on a low income and you have no way of shopping anywhere else and that is what you are looking at and you don't have a vehicle to take you there and you cannot afford the delivery charges but they do charge different prices at different shops. it is but they do charge different prices at different shops.— at different shops. it is not 'ust the geography. i at different shops. it is not 'ust the geography. h i at different shops. it is not 'ust the geography, it is i at different shops. it is not 'ust the geography, it is your i at different shops. it is notjust i the geography, it is your personal circumstances. if you are on a low income. _ circumstances. if you are on a low income. it's— circumstances. if you are on a low income, it's likely, given it's the essentiats— income, it's likely, given it's the essentials at the moment that are driving _ essentials at the moment that are driving the — essentials at the moment that are driving the rising costs, food, fuel. — driving the rising costs, food, fuel, energy, actually your personal inflation _ fuel, energy, actually your personal inflation rate is likely to be higher— inflation rate is likely to be higher if— inflation rate is likely to be higher if you are on a low income, and we _ higher if you are on a low income, and we have — higher if you are on a low income, and we have a calculator on the bbc website _ and we have a calculator on the bbc website where we can put in some of your details — website where we can put in some of your details and give some estimate as to where — your details and give some estimate as to where your personal inflation rate is _ as to where your personal inflation rate is. �* , ., ., rate is. and there is tailored guidance — rate is. and there is tailored guidance for _ rate is. and there is tailored guidance for people - rate is. and there is tailored guidance for people in i rate is. and there is tailored | guidance for people in terms rate is. and there is tailored i guidance for people in terms of rate is. and there is tailored - guidance for people in terms of what they can look out for to help their own situation on the website. absolutely, a whole host of stuff on there _ absolutely, a whole host of stuff on there. �* ., absolutely, a whole host of stuff on there. . ., ., ~ g , there. adrian yorke. my benefit has been cut by — there. adrian yorke. my benefit has been cut by nearly _ there. adrian yorke. my benefit has been cut by nearly £1300 _ there. adrian yorke. my benefit has been cut by nearly £1300 and i've . been cut by nearly £1300 and i've cut back on everything i can. how am i supposed to get by? the cut back on everything i can. how am i supposed to get by?— i supposed to get by? the first thin i i supposed to get by? the first thing i say _ i supposed to get by? the first thing i say is — i supposed to get by? the first thing i say is get _ i supposed to get by? the first thing i say is get some - i supposed to get by? the first thing i say is get some advice. | i supposed to get by? the first i thing i say is get some advice. it's never too late, and the odyssey depends when the decision was made to cut his personal independence payment benefit but i would say, get some advice, find out if it can be challenged. —— and it obviously depends. he potentially has up to 13 months to do that, and for ourselves in gateshead, we have a running rate of 80% success of these benefits that have been turned down or altered and when we come along and help people to challenge those decisions, our success rate is 80% overturned and people get benefits but back in place, sol overturned and people get benefits but back in place, so i strongly suggest he gets advice. i willi but back in place, so i strongly suggest he gets advice. i will ask the question _ suggest he gets advice. i will ask the question why _ suggest he gets advice. i will ask the question why again? - suggest he gets advice. i will ask the question why again? why i suggest he gets advice. i will ask the question why again? why is i suggest he gets advice. i will ask| the question why again? why is it that people have to go through that process and end up with this final outcome? if they didn't come to you, they wouldn't get that. thea;r they wouldn't get that. they wouldn't and _ they wouldn't get that. they wouldn't and it's _ they wouldn't get that. they wouldn't and it's about i they wouldn't get that. ire: wouldn't and it's about people they wouldn't get that. iie wouldn't and it's about people not understanding how to fill in the form in the first place perhaps, so anybody thinking about applying now, get help in applying the first place so you get detail needed on the form correct and then make sure you are gathering the right medical evidence because in order to consider your disability they need to understand your disability and the best way of doing it is by presenting medical evidence from a medical professional. abs, evidence from a medical professional.— evidence from a medical professional. evidence from a medical rofessional. ., ., , ., , professional. a lot of these forms are complex. _ professional. a lot of these forms are complex, so _ professional. a lot of these forms are complex, so it's _ professional. a lot of these forms are complex, so it's good - professional. a lot of these forms are complex, so it's good to i professional. a lot of these forms are complex, so it's good to get i are complex, so it's good to get some guidance. {cf} are complex, so it's good to get some guidance.— some guidance. 40 odd pages. guidance is _ some guidance. 40 odd pages. guidance is good. _ some guidance. 40 odd pages. guidance is good. get - some guidance. 40 odd pages. guidance is good. get some i some guidance. 40 odd pages. i guidance is good. get some support. let's talk about isas. tony wants to know about savings. will there be better saving rates available in the next few months?— better saving rates available in the next few months? again, difficult to tell what the — next few months? again, difficult to tell what the future _ next few months? again, difficult to tell what the future will _ next few months? again, difficult to tell what the future will hold, i next few months? again, difficult to tell what the future will hold, but i tell what the future will hold, but i tell what the future will hold, but i guess _ tell what the future will hold, but i guess there is some good news here because _ i guess there is some good news here because savers for a decade have been _ because savers for a decade have been living, as everyone has come up with a _ been living, as everyone has come up with a period — been living, as everyone has come up with a period of very low interest rates, _ with a period of very low interest rates, very— with a period of very low interest rates, very little return on their savings — rates, very little return on their savings but it's a bit more competition about now and those rates _ competition about now and those rates have — competition about now and those rates have risen and that is the good _ rates have risen and that is the good news. the idea you can shop around _ good news. the idea you can shop around a _ good news. the idea you can shop around a bit — good news. the idea you can shop around a bit more for a decent savings — around a bit more for a decent savings rate or a better savings rate, _ savings rate or a better savings rate. much _ savings rate or a better savings rate, much better than if you left in an— rate, much better than if you left in an account, and there are lots of them, _ in an account, and there are lots of them, which — in an account, and there are lots of them, which pay very little or no interest — them, which pay very little or no interest. that said, back to inflation, _ interest. that said, back to inflation, the rising cost of living, _ inflation, the rising cost of living, that eats away at any savings _ living, that eats away at any savings that you have, the buying power— savings that you have, the buying power of— savings that you have, the buying power of the savings is obviously tower— power of the savings is obviously lower because prices are rising, so i've lower because prices are rising, so we given — lower because prices are rising, so i've given you a bit of good news, but maybe — i've given you a bit of good news, but maybe a little bit of bad news within _ but maybe a little bit of bad news within it — but maybe a little bit of bad news within it. ., ,., but maybe a little bit of bad news within it. ., ., within it. the other part of the icture within it. the other part of the picture is _ within it. the other part of the picture is people _ within it. the other part of the picture is people are - within it. the other part of the picture is people are spending j within it. the other part of the i picture is people are spending their savings often on the basics because they are having to find extra money in any way that they can. have you got any figures on what is happening with savings on that front? ila. got any figures on what is happening with savings on that front?— with savings on that front? no, to be honest- _ with savings on that front? no, to be honest. but, _ with savings on that front? no, to be honest. but, of— with savings on that front? no, to be honest. but, of course, - with savings on that front? no, to be honest. but, of course, we i be honest. but, of course, we simptify— be honest. but, of course, we simplify this sometimes to savers and borrowers but of course most people _ and borrowers but of course most people are — and borrowers but of course most people are savers and borrowers so while _ people are savers and borrowers so while they— people are savers and borrowers so while they might be getting a little more _ while they might be getting a little more return on their savings, they are also— more return on their savings, they are also facing higher mortgage costs— are also facing higher mortgage costs or higher costs on their personal— costs or higher costs on their personal loans. we all, ourselves, often have — personal loans. we all, ourselves, often have quite complex financial situations. — often have quite complex financial situations, as has the nation as a whole _ situations, as has the nation as a whole. , , ., situations, as has the nation as a whole. , , . ., situations, as has the nation as a whole. , . ., ~ ., situations, as has the nation as a whole.�* , . ., 4' ., , whole. judy asks, do we know why the government — whole. judy asks, do we know why the government scaled _ whole. judy asks, do we know why the government scaled back _ whole. judy asks, do we know why the government scaled back has _ whole. judy asks, do we know why the government scaled back has helped i government scaled back has helped with energy bills and what will happen after next april? we know there will be a review. igrgfe happen after next april? we know there will be a review.— there will be a review. we know there will be a review. we know there will be a review. we know there will be _ there will be a review. we know there will be a _ there will be a review. we know there will be a review _ there will be a review. we know there will be a review and i there will be a review. we know there will be a review and it i there will be a review. we know i there will be a review and it looks like it will be there will be a review and it looks like it will he means tested, so for people on low incomes potentially they will get the help needed rather than this blanket approach happening at the moment where everybody gets the same amount of money on their discount of their energy bills. 50 that's as much as i know and i don't know if kevin has more to add. we do know if kevin has more to add. we do know some — know if kevin has more to add. we do know some forecasts _ know if kevin has more to add. we do know some forecasts about _ know if kevin has more to add. we do know some forecasts about how - know if kevin has more to add. we do know some forecasts about how high the typical— know some forecasts about how high the typical energy bills will go and asjudith_ the typical energy bills will go and asjudith said, really important to stress _ asjudith said, really important to stress that— asjudith said, really important to stress that this is a typical bill for a — stress that this is a typical bill for a typical usage, not just yours, you could — for a typical usage, not just yours, you could pay more than that. so some _ you could pay more than that. so some consultants were saying in april— some consultants were saying in april it _ some consultants were saying in april it could be an annual bill of 4350 _ april it could be an annual bill of 4350 odd — april it could be an annual bill of 4350 odd pounds next winter, £3700 a year. forecasts are obviously dependent, so much, and events and, as we've _ dependent, so much, and events and, as we've seen — dependent, so much, and events and, as we've seen for the last year there — as we've seen for the last year there can _ as we've seen for the last year there can be huge swings in what happens — there can be huge swings in what happens to your energy bills and if we compare them now to where they were a _ we compare them now to where they were a year— we compare them now to where they were a yearago, we compare them now to where they were a year ago, it's about £1200 for a _ were a year ago, it's about £1200 for a typical— were a year ago, it's about £1200 for a typical bill. we were a year ago, it's about £1200 for a typical bill.— for a typical bill. we had no idea it would be _ for a typical bill. we had no idea it would be like _ for a typical bill. we had no idea it would be like this. _ for a typical bill. we had no idea it would be like this. global - for a typical bill. we had no idea i it would be like this. global events are a big factor _ it would be like this. global events are a big factor in _ it would be like this. global events are a big factor in this _ it would be like this. global events are a big factor in this as _ it would be like this. global events are a big factor in this as well. - are a big factor in this as well. john— are a big factor in this as well. john roberts says, millions of people rely on heating oil to heat their homes airways and the government doing more to help them? they are getting some help from the government. i can't answer why. i can give you, if i can find my notes. ' :: :: can give you, if i can find my notes.- yes, _ can give you, if i can find my notes.- yes, £100, - can give you, if i can find my notes.- yes, £100, so | can give you, if i can find my - notes.- yes, £100, so people notes. £100. yes, £100, so people notes. £100. yes, £100, so people not in the traditional _ notes. £100. yes, £100, so people not in the traditional gas _ notes. £100. yes, £100, so people not in the traditional gas and electric are getting £100 of rebate. why it is less, i guess that is policy that they made decision about. ~ . , policy that they made decision about. . ., , ., , , about. what is happening with heatina about. what is happening with heating oil— about. what is happening with heating oil costs? _ about. what is happening with heating oil costs? it _ about. what is happening withj heating oil costs? it fluctuates uuite a heating oil costs? it fluctuates quite a lot. — heating oil costs? it fluctuates quite a lot, but _ heating oil costs? it fluctuates quite a lot, but it's _ heating oil costs? it fluctuates quite a lot, but it's going - heating oil costs? it fluctuates quite a lot, but it's going up, i quite a lot, but it's going up, hehce — quite a lot, but it's going up, hence the _ quite a lot, but it's going up, hence the £100 support but the realty— hence the £100 support but the really important issue in northern ireland _ really important issue in northern ireland where about 68% of the population in heating oil in rural areas. _ population in heating oil in rural areas. so — population in heating oil in rural areas, so it's a key issue there and is being _ areas, so it's a key issue there and is being watched very closely. one would _ is being watched very closely. one would imagine, again, that is part of the _ would imagine, again, that is part of the treasury review as to what will happen in april.— will happen in april. clive brown. am i correct _ will happen in april. clive brown. am i correct in _ will happen in april. clive brown. am i correct in assuming - will happen in april. clive brown. am i correct in assuming that - will happen in april. clive brown. i am i correct in assuming that if the chancellor freezes the personal allowance for income tax, then the 10% increase will only be 8% in real terms? 10% increase will only be 896 in real terms? 1096 increase will only be 896 in real terms? , ., terms? right, iwill try to calculate _ terms? right, iwill try to calculate in _ terms? right, iwill try to calculate in my _ terms? right, iwill try to calculate in my head. - terms? right, iwill try to calculate in my head. it. terms? right, i will try to - calculate in my head. it might take a while _ calculate in my head. it might take a while. what we can say is, you have _ a while. what we can say is, you have some — a while. what we can say is, you have some toing and froing on income tax rates _ have some toing and froing on income tax rates and — have some toing and froing on income tax rates and whether it will be cut or hot _ tax rates and whether it will be cut or not how — tax rates and whether it will be cut or not now and we are back to it is not going — or not now and we are back to it is not going to — or not now and we are back to it is not going to be cut, but we do know that the _ not going to be cut, but we do know that the thresholds at which you pay the different rates of income tax have _ the different rates of income tax have lreeh— the different rates of income tax have been frozen, and so, in economics _ have been frozen, and so, in economics it's called fiscal drag, and it— economics it's called fiscal drag, and it means i should get a pay rise you move _ and it means i should get a pay rise you move into a higher income tax threshold, — you move into a higher income tax threshold, and clearly you will be paying _ threshold, and clearly you will be paying more in income tax and effectively you've done nothing different, really. that is why that question— different, really. that is why that question is— different, really. that is why that question is being answered in that way _ question is being answered in that way it— question is being answered in that way it will— question is being answered in that way. it will take us a little bit longer to do the sums on that one. thank— longer to do the sums on that one. thank you. — longer to do the sums on that one. thank you, kevin and judith. what is clear is so many of you have so many questions and lots of difficult choices are being made and what we are hearing is there is a lot of advice out there if you need it, so you can go on the bbc news website and there are all sorts of signposts for advice and some tools that mean you can put in your personal details and work out what your personal situation is and where there might be some help available that you perhaps did not know about. thank you for your questions and we will stay in sunderland through the afternoon, looking at the cost of living. we will go to westminster now and as we saw at pmqs earlier, liz truss the prime minister said quote, i am a fighter, not a quitter and she also said it was the right thing to do to get on with the job. she says she was somebody who was prepared to front up and take tough decisions. one such decision for the government is whether or not to raise pensions in line with inflation or a cost of living, known as the triple lock guaranty that is in place at the moment and was in the 2019 conservative party manifesto and there had been slightly confusing suggestions in the last 24 hours or so. earlier my colleague and need to ask the observer columnist and chief political correspondent for the financial times for their reactions. it's a big financial commitment and it's also the latest and a few occasions with this new government where they leave this vacuum where members of government can say we are doing this unpopular or controversial thing and no one steps in and says they are not, so they get badly headlines per day or two when they did this with rental reform and then it was going to be dumped and it was up in the and they got the bad headlines and it's happening with attempts to water down environmental protections which the government says privately, we don't know whether stories are coming from. we don't really have plans to do that but they are not stamping it out and say we have a firm direction and it's not what you have read in the newspaper. it makes them look quite shambolic. a, have read in the newspaper. it makes them look quite shambolic.— them look quite shambolic. a strange kind of focus — them look quite shambolic. a strange kind of focus group _ them look quite shambolic. a strange kind of focus group drip _ them look quite shambolic. a strange kind of focus group drip feeding - them look quite shambolic. a strange kind of focus group drip feeding out i kind of focus group drip feeding out there to see what the responses and then pullback there to see what the responses and then pull back if the response is not favourable. do you think specifically that some of her own mps are saying there is no way they would vote to remove the triple lock on the prime minister has decided she has to make it clear today that she has to make it clear today that she is committed to it. it she has to make it clear today that she is committed to it.— she has to make it clear today that she is committed to it. it shows how weak her authorities _ she is committed to it. it shows how weak her authorities is _ she is committed to it. it shows how weak her authorities is and - she is committed to it. it shows how weak her authorities is and i - she is committed to it. it shows how weak her authorities is and i agree l weak her authorities is and i agree withjim~ _ weak her authorities is and i agree withjim. it's the sign of a chaotic administration if stories are getting _ administration if stories are getting put out there and the prime minister's _ getting put out there and the prime minister's official spokesperson doesn't — minister's official spokesperson doesn't know what the answer is when they are _ doesn't know what the answer is when they are responding to journalists and suggests an administration doesn't — and suggests an administration doesn't know what they are doing and doesn't _ doesn't know what they are doing and doesn't have a clear line. it does leave _ doesn't have a clear line. it does leave the — doesn't have a clear line. it does leave the conservatives in quite a serious _ leave the conservatives in quite a serious bind because the chancellor is committed to making these tax cuts, _ is committed to making these tax cuts, as— is committed to making these tax cuts, asjim said, it's a huge financial— cuts, asjim said, it's a huge financial commitment to raise pensions _ financial commitment to raise pensions by 10% in april but there will be _ pensions by 10% in april but there will be a _ pensions by 10% in april but there will be a lot of pressure on the chancellor and prime minister to ask if they— chancellor and prime minister to ask if they will— chancellor and prime minister to ask if they will do the same for benefits, working age benefits for low-paid — benefits, working age benefits for low—paid parents benefits, working age benefits for low— paid parents who get tax credits and the _ low— paid parents who get tax credits and the inflation data today shows they are _ and the inflation data today shows they are facing food prices going up try they are facing food prices going up lry almost _ they are facing food prices going up by almost 15% and they need benefits to -o by almost 15% and they need benefits to go up— by almost 15% and they need benefits to go up lry— by almost 15% and they need benefits to go up by that level so they won't be left _ to go up by that level so they won't be left worse off. so it's making these _ be left worse off. so it's making these commitments on pensions leaving _ these commitments on pensions leaving a — these commitments on pensions leaving a lot less resources to do the same — leaving a lot less resources to do the same for vulnerable working age adults— the same for vulnerable working age adults in— the same for vulnerable working age adults in the prime minister said she was— adults in the prime minister said she was worried about this and prime minister's _ she was worried about this and prime minister's questions today.— minister's questions today. people will be looking _ minister's questions today. people will be looking to _ minister's questions today. people will be looking to see _ minister's questions today. people will be looking to see what - minister's questions today. people will be looking to see what help . minister's questions today. people | will be looking to see what help the government is going to give them. gm, where do you think this leaves liz truss with her mps over the last couple of days i has been meeting backbenchers, so what do you think our position is right now and how vulnerable she is? she is in limbo and did a reasonable performance at prime minister's questions but the bar was set so low after friday where she looked absolutely shell—shocked and then walked away. today she was much better and more robust and had a few attack lines against labour by the fundamentals cr that if she is massively behind in the polls and most of her mps would love to get rid of her if they could find the mechanism and alternative for a better leader and in the background we have the cost of living crisis with rising mortgage rates and an energy support scheme that runs out in april and we have a labour party that will be very ruthless in blaming the tories are all of these things even when some of them are a factor, if not entirely of global trends. and some of them are a factor, if not entirely of global trends.- entirely of global trends. and a word on how — entirely of global trends. and a word on how you _ entirely of global trends. and a word on how you thought - entirely of global trends. and a word on how you thought keir i entirely of global trends. and a word on how you thought keir starmer did? i word on how you thought keir starmer did? ., ., , ., , word on how you thought keir starmer did? ., .,, ., , did? i thought it was a very good performance _ did? i thought it was a very good performance from _ did? i thought it was a very good performance from keir _ did? i thought it was a very good performance from keir starmer. | did? i thought it was a very good i performance from keir starmer. he had some _ performance from keir starmer. he had some really good lines in there and i_ had some really good lines in there and i liked — had some really good lines in there and i liked the line about talking about— and i liked the line about talking about how liz truss was questioning him about— about how liz truss was questioning him about the state of the country that liz— him about the state of the country that liz truss is heading up the opposition in waiting so there were good _ opposition in waiting so there were good lines — opposition in waiting so there were good lines like that and he got in all of— good lines like that and he got in all of the — good lines like that and he got in all of the key points and he started with a _ all of the key points and he started with a greatjoke all of the key points and he started with a great joke about liz truss's forthcoming book about liz truss, saying _ forthcoming book about liz truss, saying it's — forthcoming book about liz truss, saying it's out in december. is that the title _ saying it's out in december. is that the title of— saying it's out in december. is that the title of the book or is that when — the title of the book or is that when it— the title of the book or is that when it will come out? i think the labour— when it will come out? i think the labour team will be pleased about that pmqs. ., ., ., ., that pmqs. thanks to the team down in westminster _ that pmqs. thanks to the team down in westminster earlier, _ that pmqs. thanks to the team down in westminster earlier, couple - that pmqs. thanks to the team down in westminster earlier, couple of - in westminster earlier, couple of hours ago, giving their reactions to pmqs. let's get the weather with chris. todayis today is a much cloudier day, quite windy, and for some of you, there is rain around as well. the rain so far today has been heaviest across western most areas and this is the belfast area with thick cloud working its way in, low pressure in the south—west of the uk dominating the south—west of the uk dominating the weather picture and throwing up this band of rain across western areas but the rain is particularly heavyin areas but the rain is particularly heavy in northern ireland where there is the risk of thunderstorms mixed in with a clump of rain and they will work their way through as they will work their way through as they go through the afternoon, so heavy rain is widespread here. across wales, some patches of light rain, may be a few spots in the south—west but a lot of dry weather and cloud and gusty winds, into 30 miles an hour in land under 40s around some of the coastal areas. overnight tonight, another band of rain pushing northwards with a mild night for temperatures for many in double figures. tomorrow's forecast, a bit of a conundrum, because the area of low pressure in the south of the uk, this part of the weather front is developing a more push heavy rain across portugal, spain and then a big clump of heavy rain will work across the uk but there is some uncertainty about exactly where the heavy rain will be. some models keep the heaviest rain across eastern england whereas other models developed the system a bit more in the rain could be more widespread across parts of england and even scotland as well. either way, it is western areas that will have the best of the relatively dry weather but it will not be quite cloudy again and still brisk winds as well. for the end of the week, the low pressure is still there and is blocked from moving through by this area of high pressure across europe so this low stays spinning around slowly close to the british isles. friday, we see further bans on showers extending and some of the showers extending and some of the showers will be heavy, widespread and it will be quite windy and very mild. temperature is about 20 degrees in norwich, about 5 degrees above average for the stage of the year. the unsettled weather continues into the weekend with low pressure bringing fairly brisk winds and plenty of showers around as well and plenty of showers around as well and some of those showers continue to be heavy. goodbye. this is bbc news. i'mjoanna gosling live today in sunderland. the headlines... inflation in the uk has returned to the 40—year high it hit earlier this summer. the rate, as measured by the consumer prices index, is at 10.1%, driven mostly by rising food prices. and i'm ben brown at westminster, where liz truss told mps that she's committed to maintaining the triple lock on pensions but wouldn't say if benefits would rise with inflation, and she came underfire in herfirst pmqs since her economic u—turn. economic credibility, gone. and her supposed best friend, the former chancellor, he's gone as well. they're all gone, so why is she still here?