Money Box on New Year's Day looks at the major trends in 2011 for savers, investors, homeowners and for those trying to get onto the property ladder.
Inflation is still climbing. The CPI inflation rate - currently at 3.3% - has now remained above the government's 2% target by one percentage point or more for 12 months. So will interest rates need to go up this year to combat inflationary pressures?
While interest rate rises are good news for savers, especially those who rely on their nest eggs for a monthly income, rate hikes will hit many on variable rate mortgages.
If you want to take more of a risk, where should investors put their money to ensure they get returns well above inflation?
Join Paul Lewis and his expert panel as they shine the financial spotlight on 2011.
Melanie Bien, director at brokers, Private Finance
David Kuo, the Motley Fool
Justin Urquhart Stewart, Seven Investment Management
Andrew Hagger, Moneynet
and Henry Pryor, independent property consultant.
BBC Radio 4's Money Box is broadcast on Saturday at 1204 GMT and repeated on Sunday at 2102 GMT.