Who gets the cost of living payment? When is the second cost of living payment? The Martin Lewis Podcast is here – and Martin has an urgent plea for anyone who hasn’t receive their £150 council tax rebate.

Martin and BBC Radio 5live’s Nihal Arthanayake talk returns, ‘pre-NUPPs’ and baboon bums.

They ask whether it is possible to cut back at Christmas?

Plus Martin’s advice on how to best protect your savings from inflation and what to do if you have an order with furniture site Made.com after it entered administration