so here to answer your questions is claer barrett, the personal finance editor at the financial timesnd saving money. thanks both of you for coming in this evening. just one to start with on tax from tom matthews. will my tax threshold rise with this budget? there are very few tax trades in this budget. normally we are very busy working out the nitty—gritty, so we are busy working out the nitty—gritty, so we are basically told the person allowa nce so we are basically told the person allowance before you pay tax stays the same. 12 a half thousand pounds. the only change is not really a big change. the threshold that pays national insurance payments will increase to nine and a half thousand. that means you get to keep a little bit more of your take—home pay at, and the government said today the average worker will be better off £100 per year. not loads and loads of money, but it will bell if it -- and loads of money, but it will bell if it —— benefit the wealthy workers more. where is the poorest 10% of workers will only see a £30 of increase. not very much. other than the big increase