Money matters

Q My kids say their packed lunches are boring. Do you have any tips for cheap ways to improve them? A Consider keeping a selection of different types of bread in your freezer, such as pittas and bagel

Q I’d like to help my teenager learn about money. Do you have any tips on where to start? A The good news is there’s loads of help online. For example, HSBC has resources aimed at ages from young chil

We help you make savvy choices, so your hard-earned goes that bit further

Expert advice from money-saving champion Mel Hunter on consumer rights and how to squeeze the most out of life for less

Q I like to tip in restaurants when I’m on holiday. Do you have any advice on how much to leave? AIt really does vary. In some countries it’s not expected, whereas in popular tourist spots in the USA

Perhaps you’ve been a bit loose with your summer spending or back to school has brought you down to earth with a bump. Either way, autumn is the perfect time to give your finances a health check so th