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...

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

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…

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,

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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