Cost of living Q&A: Get tips on mortgages, bills, savings and tax changes

From stubbornly high bills to uncertainty over interest rates, the pressure on household finances isn’t easing any time soon. The Bank of England has held rates at 3.75 per cent, with global tensions – including the conflict in Iran – keeping inflation risks alive and delaying hoped-for cuts. For many, that means mortgages staying expensive and any real relief still feeling out of reach.

And just around the corner, another shift: the new tax year begins on 6 April.

That brings a raft of changes that could quietly reshape your finances. Dividend taxes are rising, the working from home allowance is being scrapped, and key thresholds and allowances remain tight.

For savers, it’s a last call to use this year’s ISA allowance before it resets – with future cash ISA limits set to shrink. At the same time, higher minimum wages will boost incomes for some, even as costs continue to climb elsewhere.

In short: a lot is changing, and not all of it is obvious.

I will be answering your questions live – cutting through the noise to explain what it all actually means for your money. Whether it’s your mortgage, rent, bills, savings, tax or day-to-day spending, I’ll help you understand what’s happening now, what to watch in the weeks ahead, and what you can do about it.

No question is too big or too small – whether you’re trying to get ahead of the new tax year, make your money go further, or just sense-check your next move.

Submit your question now, or join us live on Tuesday 24 March between 12pm and 1pm GMT for the Q&A.

If you’re struggling to post, please make sure you are logged in to a registered account on independent.co.uk. Register or log in here – then return to this page to submit your question!

If you want more tips and tricks sign up for the Independent Money newsletter and get the insight you need to take control of your finances and make your money work smarter.