Gifts are not just for Christmas. Make the joy last a little longer with these buy now, appreciate later ideas

I always think the end of one year and the beginning of another is an invitation – a gentle, hopeful invitation to begin again. But before you answer the invitation, I think it’s wise to take a minute

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...

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

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

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