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Interest rates have been raised for the first time in more than three years - and it could be good and bad news for you. Here are three ways the increase to 4% from 3.75% could affect you. Rate-setters at the Bank make changes to interest rates to fulfil their role of keeping price rises at a steady level. Higher rates are meant to encourage people to spend less, reducing demand for goods and services and limiting price rises. This impacts businesses in two ways - less money to spend among their customers may mean they sell less, but also the cost of borrowing to invest as a company goes up.

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'Painful' years ahead, think tanks warn, as living standards set to fall People are facing a painful and depressing few years ahead, economic think tanks have warned, after forecasts showed growth in living standards grinding almost to a halt. Typical working-age households would see their disposable income fall by £1,050, or 3%, between now and 2029, according to the Resolution Foundation, while the Institute for Fiscal Studies (IFS) said the current decade would be the worst for household income growth on record. Chancellor John Healey said his Budget offered breathing space, but said the government could never remove completely cost of living pressures. The UK's official forecaster said its latest economic forecast painted a pretty grim picture. The Office for Budget Responsibility (OBR), blamed the difficult financial situation facing the UK on higher borrowing costs and inflation caused by the US-Iran war.

Will I get the £100 energy payment and when will I receive it? Up to 20 million households in England will get a £100 payment to help with their energy bills this winter, Chancellor John Healey has announced in his Budget. Here's what you need to know about the payment. For many people, the £100 on offer is a lot of money, but it's worth considering the context. A typical yearly energy bill is forecast to jump by £276 in January, according to consultants Cornwall Insight.

Families facing cost-of-living pressures are being offered some help, or breathing space as Chancellor John Healey is calling it. The help comes as prices are rising faster than expected with annual energy bills in particular likely to increase by around £300 or more in January. If you are living in a home in council tax bands A to D in England, you will receive a one-off £100 Household Energy Payment from January, funded by extra tax on banks. It will be paid directly into your bank account. You can find your council tax band by looking on your annual bill, or by looking on the government's website, external - although that was struggling to cope with traffic after the announcement.

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