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...

Q Does house insurance cover accidental damage to the building or contents? A Not necessarily. Which? analysed 78 home insurance policies from 35 providers and found just 28% of buildings insurance po

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

Helping you spend wisely and save more, with money expert Faith Archer

Budget changes may have left even the most level-headed of us feeling a little anxious. With so much under the spotlight, from taxes and benefits to energy support and pensions, the Chancellor’s Autum