Put your money saving questions to our finance expert, Sarah Pennells of Savvywoman.co.uk

The beginning of the year is always the time to think about how to save money in your home. Your post-Christmas bank statement has arrived, the heating bills are in, even your new year's resolution of dropping a dress size might come at a little black dress-sized cost.

Replay our money-saving tips and advice webchat with finance guru Sarah Pennell. Regularly appearing on BBC Breakfast and editor of finance website Savvywoman.co.uk, Sarah has top tips on everything from budgeting basics to saving money on your home insurance. 

Click the play button below for our reader questions and Sarah's useful answers.

Want more of her tips? Check out her website, Savvywoman.co.uk, for bags of useful advice.