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Your neighbour's roof might be driving up your energy costs, according to an expert. Read this and the rest of today's personal finance and consumer news below - and watch Money blog reporter Jess Sharp on the modern payment method that could hit your mortgage chances.

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Your neighbour's roof may be pushing up your energy bills

Your neighbour's roof might be driving up your energy costs this autumn, according to an expert.

Jeff Berzolla, chief executive of Instant Roofer, warns terraced or semi-detached property owners are particularly at risk.

Poor roof insulation or damaged tiles in your neighbour's house can allow heat from your home to escape through shared loft spaces and wall cavities, he says.

"Think of it like trying to heat a house with the windows open," says Berzolla. 

"When there's inadequate insulation next door, your warm air finds a way to escape through connected spaces. Your boiler doesn't know the difference - it just knows it needs to work harder to maintain your target temperature."

The problem becomes worse if your neighbour has missing or broken roof tiles, creating gaps that allow cold air to circulate.

These tiles, as well as moss and clogged gutters, can also compromise shared drainage systems and increase humidity levels across connected homes.

"We see this constantly in our assessments," says Berzolla.

"When gutters overflow or drainage fails on one property, it affects the whole row."

Even the colour of their roof can have an effect, with a light-coloured one reflecting heat that could warm the area around both properties.

If you think solar panels will help keep bills low, make sure to take note of any tall roof extensions, dormer windows or poorly planned installations next door too, adds Berzolla.

How to get extra legroom on a flight without paying extra

We all know there's extra legroom near the emergency exits, but did you know the amount of space in standard seats varies within planes?

Often, simply sitting on the right-hand side will get you extra room.

We looked through the seating plans of 11 popular airlines to work out where the standard seats with the most legroom are.

Some planes used by Ryanair, easyJet and other major airlines have seats with an extra inch of legroom on one side.

Other airlines, such as British Airways, can offer more on certain rows.

Here, we run down the roomiest spots with each airline - and explain how to do the research yourself before any flight via seating plans on AeroLOPA...

Ryanair

On Ryanair's Boeing 737-800s, you can get an extra half-inch of legroom by sitting in the right standard seats. 

Passengers in seats D, E and F in rows 3-15 enjoy a seat pitch that is 29.5 inches, compared to 29 inches on the left-hand side of the same rows.

You can book these seats for as little as £4.50 per flight, according to the Ryanair website. 

This compares to £12 for "extra legroom" seats. 

Ryanair told Money: "Your average seat pitch is 29 inches, which is one inch more than industry standard of 28 inches.

"All Ryanair passengers can choose their preferred seat if they so wish at prices which start from £4.50. If passengers don't wish to select a seat, then they will be allocated a seat free of charge."

easyJet

You can gain an extra inch if you sit on the right-hand side of an easyJet Airbus A 321neo. 

Seats D, E and F on rows 3-17 have a 29-inch seat pitch, compared to those on the left between rows 30 and 40, which have 28 inches of room. 

If you're travelling on an Airbus A320-214, you'll get half an inch more room on the right-hand side in rows 14 to 29. 

You can check in 30 days before your flight. EasyJet's website said picking a standard seat starts at 99p. Its extra legroom seats start at £7.99. 

EasyJet told Money: "EasyJet's fleet includes a range of aircraft with between 156 and 235 seats and the majority of our aircraft have a minimum seat pitch of 29 inches. For customers who like to choose where they sit on the aircraft or select a seat with extra legroom, we provide them with the choice to do this for a small fee, starting from £0.99." 

Norwegian

You need to pay close attention to the type of plane you are flying in to make sure you get the best standard seats. 

If you are travelling on a Boeing 737-800 with 189 seats or a Boeing 737-Max 8, generally the front 3-14 rows on the right-hand side have an extra inch of room compared to the left-hand side.

In the Boeing 737-800 with 186 seats, the left-hand side between rows 2 and 13 has the seats with the most legroom.

Norwegian includes seat reservation in all its tickets, apart from LowFare tickets. If you have this option, selecting your seat starts at £9.99. 

Norwegian told Money: "Seat pitch and legroom vary slightly between our aircraft, as they operate different configurations. Importantly, we do not charge extra solely for additional legroom. 

"Seats with more space are typically found in the front rows or by the emergency exits. These can be selected either by booking a Flex or LowFare+ ticket, or by adding them during the booking process for an additional fee." 

British Airways 

If you're travelling long haul on a British Airways Boeing 787-8 Type 78E, rows 22-24 and rows 31 to 34 in the HJK seats offer more legroom.

You'll get a seat pitch that is 32.4 inches big, compared to 31 inches for the majority of other standard seats. 

Try to avoid seats in ABC in rows 23 to 25 - these have the least amount of space at 30.5 inches. 

If you are doing a shorter flight, you might find yourself on an Airbus A320 or an Airbus A320neo. If so, avoid row 30, it has the smallest amount of space at 28 inches - one inch fewer than other standard seats. 

If you're on an Airbus A321 type 21V and don't want to pay to sit in the Club Europe section, sitting in rows 15 to 22 will get you the most room at 30.1inches. 

This compares to 29 inches in other standard seats. 

AER Lingus

You can gain up to 1.5 inches by picking the right seat on an Aer Lingus plane. 

If you're travelling on an Airbus A321-253NX, rows seven to 13 in the economy section give you the most room at 32 inches. 

But, if you're in rows 22 to 34, you're better off being on the right-hand side in seats DEF because these also give you 32 inches of space, compared 30.5 inches in the seats on the left. 

The same rule applies if you are travelling on an Airbus A321-253NY. 

You can select a specific standard price for a fee starting at €4.99 (£4.30). 

Jet2

Standard seats on Jet2's Airbus A321 CEO planes have a pitch of 28.5 inches. 

But if you have a seat on the left-hand side between rows 28 and 38, you might want to consider swapping because you only get 28 inches. 

Jet2 says on its website that you can select your preferred seat for a "small charge". 

WizzAir

While the side of the plane you sit on doesn't make a difference to your legroom, the row you select does. 

Standard seats in rows two to 11 have 29 inches of room, while rows 14 to 31 have 28 inches on the airlines' Airbus A320-232 planes.

If you're travelling on an Airbus A321-271NX, the standard seat pitches have more variation. 

In rows two to six you get 29 inches, in rows seven to 17, 20 to 23, and 30 to 40, you get 28 inches. 

In rows 24 to 28 on the left-hand side, you get 28 inches, but if you sit on the right, you'll get 29 inches. 

WizzAir confirmed the dimensions were correct and noted that they can vary depending on the seat models used on each aircraft. 

We also checked American Airlines, Emirates, Tui and Virgin Atlantic, but there were no changes in the legroom offered by different standard seats. 

How to check this yourself? 

Hopefully, we have done a lot of the legwork for you - but if the airline you're travelling with isn't on this list, here's how to check this information yourself. 

First, to save you the time of going through every type of plane your airline uses, check what aircraft you'll be flying on. 

This information might be on your booking reference, but if not, you should be able to find it on the airline's website. 

Then you can visit AeroLOPA, an online portfolio of aircraft seating plans, to find the type of plane you are travelling in. 

Scroll to the bottom of the plan to find the information about seat sizes and look for the seat pitch.

Waitrose rolls out new rewards scheme for shoppers nationwide - including freebies and money off

A new rewards scheme is being extended to all of Waitrose's supermarkets, nationwide, after an initial two-month pilot across 74 stores.

The initiative rewards shoppers who sign up for Waitrose's MyWaitrose loyalty programme with up to three 'Little Treats' a month - either free items or money off their shopping.

Shoppers who reach the spending thresholds of £50, £100 and £250 will have vouchers automatically appear in their online accounts or on the app.

Rewards during the pilot included roses,  frozen pizza and up to £5 in vouchers. 

The chain said the response from customers to the trial had been "overwhelmingly positive".

Ending access to video games online may be against the law, MP says

Video game developers may be breaching consumer protection law by taking games offline, making them unplayable, an MP has said.

Labour's Mark Sewards said regulations prohibit traders from hiding information that consumers need to make an informed purchase, but developers "almost never" explain how long games will remain available.

His comments came as part of a Westminster Hall debate sparked by an online petition signed by nearly 190,000 people that urged the government to stop publishers from disabling video games. 

A similar European petition has more than 1.4 million backers.

"What's happening in this space could be perceived as a breach of consumer protection from unfair trading regulations," said Sewards.

Another Labour MP, Warinder Juss, added: "We do not accept our mobile phones being switched off whenever a company produces a new model and wants us to buy a new model.

"So why should we allow thousands of pounds worth of games being made unplayable because new games have been introduced?"

Culture minister Stephanie Peacock said the government will consider asking the Chartered Trading Standards Institute to develop guidance to ensure manufacturers clearly tell players that games could be deactivated when they are purchased.

Buy McDonald's to get money off your next holiday

You can now save money on your holiday booking by eating at McDonald's. 

Holiday company Expedia has teamed up with the fast food giant to offer customers up to 9% off the cost of their trip. 

Here's how it works. 

From now until 20 January 2026, My McDonald's Rewards members get one point for every penny spent. 

Once you've earned 2,500 points, you can get 5% off your next Expedia hotel booking. 

Once you've earned 4,000 points, you can get 9% off your booking. 

Bookings must be made by 31 July 2026 and cost a minimum of £110 to use the deal. 

Customers are limited to earning touch vouchers each. 

You can read the full terms and conditions here

Here's how you redeem the reward: 

  1. Go to My Rewards section of the McDonald's app;
  2. Check you have enough points to redeem;
  3. Exchange your points for the discount of your choice;
  4. Click on the link below your unique coupon code. This will redirect you to Expedia. The booking must be made through this link;
  5. Search for your desired destination and select an eligible property;  
  6. On the checkout page, select the pay now option and input your code; 
  7. You will also receive an email with your unique discount code and the instructions on how to book your trip.

Of course, it's important to check other sites to see if you can get a cheaper deal before committing to booking with Expedia. 

Trader played by Christian Bale in The Big Short bets on when AI bubble will burst

By Sarah Taaffe-Maguire, business and economics reporter

US trader Michael Burry, who was played by Christian Bale in the Hollywood film The Big Short, has effectively bet that the current AI bubble will burst. 

Bale portrayed Burry in the 2015 movie because the investor bet on a US housing market slump before the 2007-2008 financial crash - effectively predicting the biggest economic shock of the 21st century so far.

This time, Burry appears to think that the share price of two major beneficiaries of AI investment will drop, and he's hoping to cash in. 

Those two companies are the software company Palantir and the world's most valuable company, computer chip maker Nvidia. 

Both have been massive beneficiaries of the wave of AI investment, as investors bought tech stocks in the hopes of eventually cashing in on the anticipated transformative effects of the technology. 

Tech valuations have soared to the point where Nvidia became the first company to be worth $5trn, while Palantir's share price has grown 400% in the last year. 

Burry, however, has, through his fund, now purchased a financial contract for millions of dollars of shares, giving him the right to sell the stock at a set price within a certain time period.

It means he can benefit from share price falls by selling his stake at the higher set price. 

The full details of the contracts have not been published, so we don't know when the set time period for selling begins and ends, nor what price Burry's investment firm, Scion Asset Management, has agreed to sell the shares at. 

But the move has focused minds on when the current AI boom will end.

Government urges Ofcom to crack down on mobile phone bills after 'disappointing' O2 price rise

The government has called on Britain's communications regulator to crack down on mobile phone bills after O2 announced a surprise mid-contract price hike.

Technology Secretary Liz Kendall told Ofcom it needed to go "further, faster" than its January decision to force network providers to clearly explain their pricing policies.

In a letter to Ofcom chief Dame Melanie Dawes, she said O2's move to change its mid-contract increase from £1.80 to £2.50 was "against the spirit of your previous changes on pricing, and all the more disappointing given the current pressures on consumers".

She pointed out that, given the increase is above the levels specified in the contract, O2 customers can leave free of charge within 30 days.

Kendall urged Ofcom to conduct a "rapid review" on how easy it is for customers to switch providers.

"If companies are determined to increase pricing, it is beholden on us to make sure that customers are able to go elsewhere as easily as possible," she wrote.

'I moved after 25 years because of price changes'

Customers were quick to share Kendall's sentiment on X.

One wrote:

"After 25+ years with O2 (I was a customer when they were 'Cellnet'!), I moved from them to Giffgaff yesterday because of this!"

Others posted:

"I've just cancelled sim-only deal. Only renewed it in September. My contract said it would rise £1.80. O2 quickly changed the rules. I wasn't told they could be changing the goal posts."

"I was with O2 but have switched to Mozillion (which uses EE network).

"Was going to be paying £19 a month after the increase, now paying £4.50 for almost identical package.

"If O2 want to lose customers they're going the right way about it."

O2 defends price changes

"The changes we have announced in no way breach any regulatory rules," an O2 spokesperson told Money.

"We appreciate that price changes are never welcome, but demand for mobile connectivity is greater than ever, and any price change customers see on their bills is greatly outweighed by the £700m we invest each year into our mobile network to meet this growing demand. 

"We have written directly to customers about this change, and they are able to exit without penalty if they wish." 

Aldi opening 16 new stores in time for Christmas - here's the full list

Aldi will open 16 new stores in time for Christmas.

The new shops will start trading between 6 November and 12 December.

Aldi, which is the country's cheapest supermarket according to Which? data, has also announced it's looking to recruit 4,500 new workers.

Scotland, Staffordshire, Essex and London are among the areas where Aldi will launch new stores.

The UK's fourth-largest supermarket chain has confirmed that it plans to open 40 stores annually as part of a wider £1.6bn investment plan over the next two years.

Aldi already operates more than 1,050 stores across the country.

Here's the list of 16 stores opening by 12 December:

  • Philadelphia, Tyne and Wear

  • Pendle Drive, Litherland/Sefton, Liverpool

  • Gallamore Lane, Market Rasen

  • McGavigans Road, Kirkintilloch, Scotland

  • Queens Park Avenue, Billericay

  • Kentish Town, London

  • Dundee Road, Arbroath

  • The Green, Cheadle

  • Boghall Road, Baillieston

  • Old Shoreham Road, Hove

  • Pershore Market, King George’s Way, Pershore

  • Riverside Retail Park, Yate, Gloucestershire

  • Northallerton, North Yorkshire

  • Harefield Road, Uxbridge

  • Daventry, Northamptonshire

  • Old Kent Road, London

What do you think constitutes a 'working person'?

Last week, Paste BN obtained an internal definition of "working people" used by the Treasury.

This is important because Labour pledged not to increase the tax burden on working people in its manifesto.

According to the report from deputy political editor Sam Coates, those earning £45,000 or less qualify as "working people".

We want your view. In the poll below we've included options for the median UK salary (£37,430), the apparent Treasury definition, the higher income tax rate (£50,270), and three further options taking you up to the additional rate (£125,140).

Ministers tight-lipped on TV licence price hikes - but we've crunched numbers to work out what it could be

Speculation is growing over how much the TV licence may rise in April.

Several newspapers have suggested the annual cost could hit £182 next year.

The Department for Culture, Media and Sport told us: "No final decision has yet been made on the exact level of next year's licence fee. We will set this out in due course."

Despite this, the government has given us useful hints about how the cost of TV licences will be calculated going forward.

Back in April, prices rose to £174.50 for a colour television - up £5 on the year before. (A black and white licence, which costs £58.50, is also available but very few people have one these days - in 2019, only 6,586 households did.) 

The increase was based on the average Consumer Price Index reading from October 2023 to September 2024, which was 2.96%.

Last November, Culture Secretary Lisa Nandy confirmed the government planned to use this calculation for the next two years at least - taking us up to when the BBC's Royal Charter expires at the end of 2027.

So... what does that mean for April 2026?

Well, because CPI data is in from October 2024 to September 2025, we now know the figure that would be used if the government sticks to its word.

The average across this 12-month period is 3.15%, which would result in the licence fee hitting £179.99.

While the extra cash would boost the BBC's coffers, it could prompt some Britons to cut the cord.

Figures show the number of active TV licences fell by 300,000 in the year to March - with the levels of evasion rising to 12.5%.