How to judge festive sale offers and avoid the hype

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

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

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...

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

Buying gifts for everyone can cause panic, especially on the special pre-Christmas discount days like Black Friday and Cyber Monday. But don’t solely rely on them for your bargain shopping – as most r