Start right now! It’s the best way to keep calm, make informed choices, allow a little flexibility and spread the cost. You’ll be able to reap the rewards of being super-organised nearer the time. Set

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

How to judge festive sale offers and avoid the hype

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

The pressure is on to snap up glitzy gifts for loved ones, but it can leave many of us out of pocket by January. Here’s some ways to get more bang for your buck on Christmas gifts this year...

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...