Have you ever sold anything on Ebay, Vinted or Facebook Marketplace to make a bit of extra cash? Those who do may have been worried this week, as news that the websites will now be required to report sellers' activities to the taxman caused panic online.  So what are the rules - and is HMRC really going after people who sell the odd frock or mobile phone?  In this week's episode, Lee Boyce, Helen Crane and Georgie Frost explain what's really happening, how to tell if you are a 'trader' - and why most people having a clear-out of their old clothes won't need to worry.  Mortgage lenders have started 2024 with a bang, with the likes of HSBC, NatWest and TSB announcing rate cuts left, right and centre.  There is now a five-year fix with a rate of 3.94 per cent - so what does that tell us about how low the base right might go this year, and will these cheaper home loans start to drive up house prices again?  As we get back to reality after the festive break, we are also approaching Divorce Day. The first working Monday of the year is supposedly when unhappy couples are most likely to call it quits.  If that is you, we are on hand to explain what you need to know about splitting your property, pension and more with an ex.  Finally, Lee, Helen and Georgie discuss what they learned about their finances in 2023 - and the mistakes they won't be making again this year.