This is an age-old problem. The simplest answer is to start with less, so decluttering is always the first step. Sort through your belongings and separate what you use daily from what you only need se

IF YOU’RE UPGRADING YOUR KITCHEN, CONSIDER SELLING YOUR OLD ONE, AND SWERVE A TRIP TO THE TIP IN FAVOUR OF EXTRA CASH

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...

NO-NONSENSE SOLUTIONS TO EVERYDAY HASSLES

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

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…