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After five years at a record low of 0.5%, interest rates are expected to start rising again in 2015, albeit gradually, as the economic recovery gathers steam.
But the figures are expected to start rising again when the government cuts the financial help it gives to borrowers who have lost their jobs.
UK rates have been on hold at 0.5% since March 2009, and are expected to start rising again in the first half of 2015.
Although annual deficits are shrinking fast, they are expected to start rising again in 2016 and to keep growing as the baby-boom generation retires.
It has remained constant since then, but is expected to start rising again for workers born in 1955 and after, who will reach full retirement age in a few years.
Secondary pupil numbers are expected to start rising from 2016 - from 2.7 million to 3.2 million in 2023.
Similar(52)
The mercury was expected to start to rise on Tuesday, increasing to 8C or 9C in western areas of the UK and 3C or 4C in central and eastern parts.
Deputy Governor, Sir Charlie Bean, in his last meeting before the Treasury Select Committee, said he expected pay to start rising more quickly in the second half of this year.
The market expects rates to start rising from February next year.
And while analysts expect rates to start rising later this year, the scale and timing of that rise will be a challenge.
But few analysts say they expect rents to start rising, or the free coffee to stop flowing, anytime soon.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com