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

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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

A s this issue lands on your doormat, ...

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