Switching supermarkets is a simple way to save money. Prices vary widely between retailers, especially on staples like bread, milk and fresh produce, so shifting this part of your weekly shop to disco

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

Three for two, buy one get one free, vouchers if you spend a certain amount – there are so many tempting offers from supermarkets today it’s hard to keep track. But while they might appear to be good

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

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’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,