<div>The Bank of England <a href="https://www.thisismoney.co.uk/money/mortgageshome/article-13028685/Bank-England-holds-rates-5-25-means-mortgages-savings.html">held base rate once again at 5.25 per cent</a>, the fourth hold in succession – but this time, it was a genuine split by MPC members.

So, when will we start seeing rates fall – and will inflation really be at the target 2 per cent by April?

This week, Simon Lambert, Lee Boyce and Georgie Frost discuss what another interest rate pause means for you – and what that means for savings and mortgage rates, along with investors.

Where do you stand on the smart meter debate? With This is Money readers getting in touch to <a href="https://www.thisismoney.co.uk/money/bills/article-13028313/I-no-inclination-smart-meter-says-LEE-BOYCE.html">say they’re stuck with faulty devices</a>, are they worth having?

Lee says he still has no plans to get one of the marmite devices while Simon believes they can be worth it, especially for those who are rubbish at submitting meter readings.

We also go back to school and have a maths lesson from Mr Lambert to reveal the <a href="https://www.thisismoney.co.uk/money/pensions/article-11644599/Six-maths-lessons-learn-richer.html">six real world calculations you should have in your arsenal to improve your financial health.</a>

And we get on the money therapist’s couch to discuss the <a href="https://www.thisismoney.co.uk/money/saving/article-13032487/My-husband-resents-splashing-joint-account-making-miserable-Money-psychotherapist-VICKY-REYNAL-replies.html">pitfalls of getting - and over-using - a joint bank account</a>… should a partner ever be made to feel guilty for spending?</div>


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Why would the Bank of England cut rates this year?

This is Money Podcast