Our finances have never been so sorely tested. Energy bills are increasing so are water bills and tax is also a worry among Mrs Mean listeners.

But that does not mean we have to accept the bad news without fighting back. There are lots of tips to save money on energy and water bills. Now is the time to check them out. Those trying to improve their financial positions also need to make sure that side hustles do not increase their tax bills.

New rules announced at the beginning of the year for people selling stuff on websites such as eBay, Vinted and Depop will increase the admin for the apps and websites but should not incur tax bills for most users. Check out the details and keep records to keep yourself safe.

Taking a lodger can also rescue a stressed family budget with £7,500 a year rent without incurring a tax bill, as lots of students and people starting their first jobs need better value accommodation than offered by private landlords.

Listen and save money.

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