PAGE 20 SPLIT PERSONALITIES Celia Imrie, Jonathan ...

SMART METER Are you a bit of a ...

• Three- or four-night family stay • All-inclusive ...

TWO WINNERS Win! W ant to make this ...

• Get puzzling and you could be heading for a two-night stay in Manchester – plus a Coronation Street Experience Star Tour with £200 spending money!

Christmas can be a really expensive time of year, but there are steps you can take to keep your costs down. Here’s how to do it… 1 CALCULATE BUDGET First, go through your finances and work out how muc