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Is Universal Credit a universal disaster? We explore this week’s budget announcement and how it might affect you. Will people be left high and dry over Christmas? Lee Hatton from The Law Centre NI will be with us in the studio.

For one Ballymena woman, the hunt to find the perfect hot air brush turned into the cold air of customer service. We speak to Hazel who realised she bought the wrong product and couldn’t get a refund from boots! Jimmy Hughes will be in studio to comment and we may have some good news for Hazel…

Also, how’s your pension looking? Are you strolling into a comfy retirement or screaming at your scheme ‘where’s the money?’ Pensions Ombudsman Anthony Arter has timely advice when it comes to our twilight years.

Plus we speak to a Derry/Londonderry pensioner who was delighted to have her heating system upgraded from oil to gas by the Housing Executive but it’s done nothing but leave her hot under the collar with cold feet...