IDEAL HOME’S COLUMNIST AND EDITOR OF MONEYWEEK.COM KALPANA FITZPATRICK SHARES HER FINANCIAL WISDOM

LET COUNSELLOR KEREN LIGHTEN YOUR LOAD

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Once cash-strapped and drowning in debt, Stacey Duguid sets out on a mission to gain abundant riches and financial freedom. All she has to do is imagine it…

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

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,