Just 23 sleeps until the big day – make sure you’re not wasting cash in the run-up to Xmas. Financial strategist Laura Linden, of Feisty FD (feistyfd. com), shares some savvy reminders...

We help you make savvy choices, so your hard-earned goes that bit further

Q I’ve got a big night out planned and I’d love a new outfit. How can I do it for less? A The ideal situation would be having a friend the same size as you with a stylish wardrobe you could borrow fro

Q I’d like to help others this Christmas but my budget is limited. Do you have any tips? A There are lots of ways to help others that don’t involve money. Are there any local charities near you lookin

Could you be in line for a cash boost this festive season with these tips? 1 REAP IN RENT While it’s important not to overstretch yourself for Christmas, earning some extra money at this time of year

There are ways to give money without liability for inheritance tax, says Paul Lewis