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...

Depending on your age, health and destination, finding travel insurance isn’t always easy. Rebecca Goodman looks at what it means for those who fall in the cracks

(whatever your budget!)

HOW TO CLAIM FOR FLIGHT DELAYS

Even the swankiest islands have a scattering of smaller, more affordable stays – if you know where to look. Luckily, Lucy Thackray does

Q I’ve tried the 50/30/20 method of budgeting, but found it too difficult. Is there an alternative? A50/30/20 budgeting involves allocating 50% of your income to essential spending like rent and food,