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

HOW TO CLAIM FOR FLIGHT DELAYS

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,

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 Dear Sue, the holiday season is always so scarily expensive. What’s your best budgeting advice for making these next few weeks manageable? Sue says... A Budgeting and planning are crucial to avoid o

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