Martin Lewis looks at how to save as a first time buyer. Lifetime ISAs can get you up to £1,000 a year free from the state towards your deposit, but Martin says some “shouldn’t bother”. Martin explains why almost everyone who hits 18 should put a pound in one right now. We look at Smart Meters… and it’s less than 100 days to Christmas… so the ‘Tell Us’ is all about your past Christmas financial problems, so others can learn from them. And this week’s Mastermind is an important listen for anyone who’s had a flight cancelled on them - or cancelled it themselves - this summer or in years gone by.