Your money

How to judge festive sale offers and avoid the hype

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

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

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

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

Whether you’re left with a couple of tricky people to buy for, or you’ve not even begun, our experts can help you get the perfect gifts for the right prices