重要な April changes to your personal 財政／金融s 含むing NI 引き上げ（る） and 'no fault' 離婚s on the This is Money podcast

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This week has seen a number of changes to our personal 財政／金融s in the wake of energy 法案 and 会議 税金 rises, along with a number of 重要な 公共事業（料金）／有用性s such as broadband and 動きやすい 契約s.

It also 示すs the start of a new 税金 year and with it a 国家の 保険 rise, a meagre 明言する／公表する 年金 引き上げ（る） and the start of new 'no fault' 離婚 system.

Georgie 霜, 物陰／風下 Boyce and Helen Crane run through what these changes 潜在的に mean for you and why they're important.

Renting is 始める，決める to get cheaper than mortgage 返済s for the first time in 14 years によれば a 熟考する／考慮する.

This could signal 'trouble ahead,' as the data shows that when this happens, often a 後退，不況 follows すぐに afterwards. We discuss why.

The pandemic にわか景気 could also leave high-収入 homeowners 罠にかける and unable to move, if they've overstretched themselves to buy.

They may be unable to remortgage as 貸す人s consider their squeezed incomes during the cost of living 危機.

And finally, with the energy price cap 急に上がるing, are there gadgets that could help you save money? 物陰／風下 comes with a 警告 with his own 'smart' thermostat.