Money matters and personal finance - presented by Which?

This week: 0870 numbers and how to avoid them, top tips on investing in gold and last minute Christmas shopping advice.

In this week's podcast: christmas present ideas for children, and where to get the cheapest deals on toys in 2010. Plus, should you bother buying emergency insurance to protect against flooding, bursting pipes and broken boilers? And don't miss this week's money saving tip: how to save money on gas, electricity and petrol this season.

In this week's podcast: why gift cards may not be worth giving this Christmas, sneaky shop tricks the OFT is clamping down on - and how to get great deals shopping online this season, in four easy steps.

In this week's podcast: why you shouldn't bother using first class stamps when posting christmas cards, plus boiler room and landbanking investment scams and how to spot them. And don't miss this week's money saving tips: where to find best value champagne and Christmas puddings this season.

This week: how to find the cheapest mp3 music downloads and where to listen to music for free - as well as tips on how to make sure your download collection is insured. Also, winter insurance risk: how to protect yourself from flooding, storm damage and Christmas crime. Plus, get 20% off at ASOS and discounts at an array of high street stores.

Considering a structured investment or deposit product? Find out from our experts why they're unsuitable for many consumers, and why we think most people should steer clear of them. Also this week, get the lowdown on the best credit cards to use for cashback and 0% deals this Christmas, plus get a free pizza when you donate £1 to Oxfam with the latest Pizza Express voucher.

Protection insurance comes in various forms: but what sort of cover should you have in place? We explain why life insurance, income protection insurance and critical illness cover are worth considering. Also this week, get news of energy price increases and how to switch suppliers - and find out about a new debit card that will offer free overseas spending from January 2011.

Child Trust Funds are to be phased out, but the government has revealed it will launch Junior Isas to replace them in 2011. We find out how they'll work, and what their benefits will be. Also this week, we look at the best personal finance software packages for managing your money and explain why Nationwide debit card users need to be careful when spending abroad from 1 November.

The Great British Savings Scandal was revealed this week - so are you among the savers losing out on £12bn in interest? If so, don't let your bank fob your off with a poor rate; we reveal how you could get a best rate account and make the most of your money. Also this week, we find out whether pet insurance is worth paying for, and offer money saving tips for Halloween and winter shopping.

Which? PPI campaigner Lucy Widenka explains why there's no reason to put off reclaiming cash. Plus top tips for tipping abroad and cost cutting smart phone apps

Online privacy is of growing concern for many people - and the comparison websites some of us use when buying financial products aren't always treating our email addresses in the way we might expect. Which? researcher Dan Moore reveals why you need to be vigilant when giving them your details. Elsewhere this week, we explain why identity theft insurance is a pointless product, and tell you where to get 20% off a haircut and colour at a high street salon.

From cash back websites where spending via certain web links can save you money to investing in unusual areas: wine, coins and art. This week the Which? Money team also look at the costs of using a PAYG mobile phone compared to an old fashioned phone box.

Credit and debit card surcharges could be adding up to 200% to the cost of goods and services. We investigate the charges, asking why they're imposed and what you can do about them. Also this week, should you go for a fixed or tracker mortgage? Plus, how to save money on pet medicine.

Avoiding a pension shortfall can be easier with careful planning - making the right choices earlier can help boost the value of your pension on retirement. We also uncover the sneaky tricks some insurance companies use to extract more of your hard-earned cash.

HMRC's PAYE tax mistakes: what to do if you're affected and how to ensure you've paid the right amount of income tax. Plus, how to start investing in corporate bonds and a smart way to save on magazine subscriptions.